Ep 165: Are you mortgage ready?

July 10, 2019 By Michael Clark

In this series of the Let’s Talk Future Show we had on Troy Tiedemann and Don Almeida from Christensen Financial to discuss your money and how to handle it with regards to your home. We discussed topics such as foreclosure and bankruptcy, down payment assistance, what to do with your home in a divorce, buying a house from a family member, VA loans, and mortgage insurance.

Mortgage rates are at a surprisingly low rate and have been for some time now. This makes now one of the best times to refinance your mortgage and we believe the best way to do that is to get in touch with Don and Troy.

If you have any questions regarding the topics above, then visit their website at loansradio.com.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/ or members.

Raymond James is not affiliated with and does not endorse the opinions or services of 96.5 FM Radio (or) ESPN Radio 580AM or any guests of the Let’s Talk Future show. The Lets Talk Future radio show and 96.5 FM Radio (or) ESPN Radio 580AM are not affiliated with Raymond James. Opinions expressed during the show are those of the speakers and are not necessarily those of Raymond James.

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the US stock market. One cannot invest directly in an index. Past performance does not guarantee future results.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members. This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. Any communications received during the show, including text messages, are the property of 96.5 FM Radio (or) ESPN Radio 580AM, and are independent of Raymond James. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Michael Clark, CFP© and/or John McCann, Financial Advisor and not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. The information contained in this radio show does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion. RMD’s are generally subject to federal income tax and may be subject to state taxes. Consult your tax advisor to assess your situation. Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 plans before investing. This and other information is available in the issuer’s official statement and should be read carefully before investing. Investors should consult a tax advisor about any state tax consequence of an investment in a 529 plan. Investments mentioned may not be suitable for all investors. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The hypothetical examples in these radio shows are for illustrative purposes only and do not represent an actual investment. Actual investor results will vary. Past performance may not be indicative of future results. Raymond James is not affiliated with and does not endorse the opinions or services of any non-Raymond James speakers or of 96.5 FM Radio (or) ESPN Radio 580AM. Raymond James Financial Services, Inc. and its advisors do not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional. This is not a recommendation to purchase or sell the stocks of the companies mentioned.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

https://www.raymondjames.com/legal-disclosures