Welcome to the Web site of 
Joseph R. Vlasek.
Founder of 24/7 On Line Lending, Joe's articles have been featured in such notable publications as Colorado Springs Gazette Telegraph and his book "Secrets" of How To Buy The Home Of Your Dreams. As one of Colorado Springs Most Experienced Mortgage Lenders providing only the finest in Colorado Springs Mortgage Services, Joe's Insightful commentary goes to the very heart of what's happening in the financial markets that control lending and your ability to obtain financing. This commentary goes beyond the basics of how to choose a Mortgage Broker/Banker,
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  Colorado Springs Mortgage | Mortgage Planning Specialist | Colorado Springs Mortgage Services 

Looking For A Good Mortgage Lender?
www.MortgagePlanningSpecialist.com
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What Does A Mortgage Planning Specialist Do?
The mortgage planning process is different than “Simply Shopping” for a Mortgage. It is about your over all financial well being, it is not the traditional buyers approach of…Spending hours shopping over the phone and the web trying to save a couple of bucks a month or a few dollars in closing costs, only to find out at the closing table “there Really Was No Guarantee” just an estimate. You end up wasting your valuable time ‘Supervising” the mortgage company you’ve reluctantly chosen trying to get your deal done, while trying to figure out if this great product is good for you or great for the lender. 
The Mortgage Planning Process is about Relationship & It’s “All About You.” 
You will be given access to valuable financial advice and guidance that can literally save you hundreds of thousands of dollars. You will be working with a trusted professional who is committed, qualified, and equipped to deliver what they promise. You will experience a premium level of service whether you are in the market to buy a home, refinancing your mortgage, or making cash flow changes to enhance your lifestyle. We will evaluate your mortgage and debts in a defined financial plan of action to help you achieve your lifestyle goals and dreams. We can establish an ongoing high trust relationship with a team of financial advisors who can help you make necessary changes in your debt, cash flow, and home equity planning strategies.  This is a relationship process, not just a transaction. The Mortgage Planning Process will include the following procedures and steps. 
Establishing a client-planner relationship.
As a Mortgage Planniing Specialist I will ask you for information about your financial situation and your time frame for results and success. I will gather all the necessary documents before giving you the advice you need. I will properly explain or document the services Iwill provide to you. Explain how they will be paid and by whom. Mortgage planners are typically compensated through a commission structure set up with the lenders they work with. You Should, be candid, clearly explain how financial decisions are made in your household and include all the key decision makers in consultations with your mortgage planner. You should be prepared to share personal and financial information with your mortgage planner in order for them to be able to advise you on how best to achieve your goals.  
Evaluate your current financial status.
Your mortgage planner will analyze the information you provide to assess your current situation, He/She will discuss the options available for you to meet your goals. Depending on what services you have require, this could include analyzing your credit, your real estate equity, your debt situation and your cash flow. From this aquired information, your planner will Develop Mortgage and Debt Management recommendations and alternatives.
The mortgage planner will go over the recommendations with you to help you understand them so that you can make informed decisions. The mortgage planner will also listen to your concerns and revise the recommendations as appropriate.