Troy has been a Mortgage Planner for over 9 years since his work as an Investment Advisor.

Troy graduated from Business School at UW-Madison with a degree in Finance, Investments, and Banking and takes a different approach to mortgage planning.  Unlike traditional “loan officers”, Troy is committed to managing his clients’ mortgages in order to build wealth by maximizing safety, liquidity, and rate of return.

Troy strives for the highest level of competence, integrity, and good stewardship in staying committed to his vision.  He furthers his education through industry designations such as Certified Mortgage Planner® (CMP) and Certified Mortgage Consultant® (CMC) as well as maintaining his Chartered Financial Consultant® degree (ChFC).

Troy approaches each business opportunity as a potential “Client for Life.”  This is not just a tag line used in hopes that clients will return, but rather it’s Troy’s commitment to ongoing management of his clients’ mortgages and other financial concerns.  He reinforces this commitment by providing clients with continual education and proactive communication as their lives and financial priorities change.  Although Troy meets most clients through referrals to friends, relatives, and co-workers during the loan process, he reinforces this unique commitment to his clients long after the closing of their first loan through regular mortgage updates, annual client reviews, and his advice that makes a difference.  It is evidenced by the positive reviews he receives from clients and their referrals to friends, relatives, and acquaintances.

Outside work Troy also enjoys church activities, volunteer work, playing and watching sports, and home remodeling.  A small town upbringing, an active church life, and a strong sense of work ethic are the foundation for Troy’s belief that it is his purpose to treat everyone fairly and offer his expert candid advice in all situations.

Shouldn’t I just be looking for the lowest rate?

Of course all lenders advertise “Low Rates”, “Flexible Loan Programs”, and “Great Service”.  If they didn’t, would they still be in business?  Since all lenders get mortgages from the same places, having “Low Rates” and “Flexible Loan Programs” are a business decision—NOT a competitive advantage.  On the other hand, a professional Mortgage Planner will make sure that you have the best mortgage for you now AND into the future.  Troy reviews a comprehensive assessment up front, so that he can work to EXCEED your expectations, not simply meet them.

How do I know I am getting the best mortgage?

As a Mortgage Planner, Troy will look at more than just income, assets and a credit report.  Troy reviews current investment and tax strategies, future changes such as promotions, family planning, autos, business start-ups, etc. because a mortgage is not a one-size fits all solution.  Each client has their own personal objectives, so developing the right mortgage plan can have a huge impact on other areas of a home owner’s life.

How do I know that my lender is informed?

While reading online news and articles is helpful, being connected with real-time mortgage news through industry specific services is the best way to keep up with all the changes in the market.  Additionally, access to real time Mortgage Bond quotes is a MUST in today’s volatile market.  A lender watching the wrong index such as the 10 Yr. Treasury Note and reading yesterday’s news on Yahoo is not qualified to advise clients on the biggest debt obligation on their balance sheet.  Would you trust your investment dollars to a stock broker that asked you to hold so he could look for yesterday’s closing price in the Wall Street Journal?  If not, then why would you trust an uninformed lender to advise when to lock your interest rate or what type of loan is best?

How important are qualifications / level of experience?

Your call here, but it only makes sense that you select a lender who is knowledgeable in all areas of financial planning and aware of the constant changes, not only in mortgage markets, but also income taxation and retirement planning.  Remember your mortgage is NOT an isolated transaction but rather an integral part of your long and short-term financial and investment objectives.  A small detail can have a huge impact!