Tag Archives: Buying a new home

Borrow Smart, Repay Smart: Week 22 – How Do You Define Financial Safety?

Posted on May 26, 2020 by Trevor Hammond

No ones likes to consider the worst when it comes to their finances, but it’s good to be prepared for anything. As the old saying goes, “Prepare for the worst, but hope for the best”. At Sierra Pacific Mortgage, it’s … Continue reading →

Posted in life, money, mortgage, planning, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Financial Literacy: Safety, Liquidity and Return

Posted on March 25, 2020 by Trevor Hammond

Financial Literacy: Considering Safety, Liquidity and Return in the current market during the coronavirus outbreak. Continue reading →

Posted in Borrow Smart, Repay Smart, life, money, mortgage, planning, Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Concept #2 of Borrow Smart, Repay Smart – LIQUIDITY

Posted on November 8, 2019 by Trevor Hammond
Posted in Borrow Smart, Repay Smart, Uncategorized | Tagged , , , , , , , , , , , | Leave a comment

How to Prioritize Your Cash Flow

Posted on February 22, 2016 by Trevor Hammond

When it comes to planning your mortgage, the first mistake people make is not realizing that the real discussion must first be about money.  More specifically, cash flow.  “We live lives of cash flow,” is something I say nearly daily … Continue reading →

Posted in Blind Spot 3: Storing Money Efficiently, Uncategorized | Tagged , , , , , , , , , , , | Leave a comment

The 3-Legged Stool

Posted on January 18, 2016 by Trevor Hammond

  Whenever I am conducting a consultation with a new home buyer, I like to introduce what I call, the “3-Legged Stool”.  This becomes a crucial thinking tool for making smart home buying and investment decisions as it relates to … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Uncategorized | Tagged , , , , , , , , , , , , | Leave a comment

Did You Know that Appraisers are Monitored?

Posted on January 11, 2016 by Trevor Hammond

Did you know that appraisers are monitored by FNMA? Today, I’d like to highlight the plight of the appraisal world.  An appraisal is used to judge the property’s acceptability for the mortgage loan requested in view of its value and marketability. … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Uncategorized | Tagged , , , , , | Leave a comment

Are You Playing the Net Worth Game?

Posted on November 23, 2015 by Trevor Hammond

Too many people are playing the wrong game with money. I have devoted my career to helping home buyers and homeowners make smarter financial decisions to achieve their short and long-term goals.  I’ve become a student of cash flow and … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently, Uncategorized | Tagged , , , , , , , , , , , , | Leave a comment

Liquidity versus Home Equity

Posted on October 20, 2015 by Trevor Hammond

When learning how to apply financial planning concepts to the world of real estate and mortgages, there can be a bit of a learning curve.  But once grasped, a homeowner can feel extremely empowered and confident in the decisions they … Continue reading →

Posted in Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Finishing 2015 Financially Strong

Posted on October 12, 2015 by Trevor Hammond

We are in the fourth quarter!  In less than two short months we will be welcoming in 2016 and setting those ever popular New Year’s Resolutions.  For many people, money is at the heart of these annual goals, since many … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Blind Spot 3: Storing Money Efficiently | Tagged , , , , , , , , , , | Leave a comment

A Quiz to Help You Make SMART Borrowing Decisions

Posted on September 8, 2015 by Trevor Hammond

Making the right borrowing decisions when it comes to getting a new mortgage is critical.  As we teach every day when meeting with homeowners and new home buyers, how you handle the financing of your home impacts virtually every other … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently | Tagged , , , , , , , , , , , , , , , | Leave a comment