LTB Member, this document was written by David Kuiper and given to his Realtors and referral partners to send out to their clients.

Here’s how to use this document…

Edit this document in the highlighted places and then either drop some copies off to your referral partners and ask them to mail them out to their clients.

Dear Client:

As you probably know, interest rates have been falling throughout this year. And with mortgage rates at or near historic lows, the mathematics of refinancing at today's rates makes sense for most homeowners. There are special programs in place to assist you even if you have little or no equity in your home, due to declining market values. The time to act is now, as rates can move suddenly based on market conditions.

The decision to refinance your home loan isn't just a question of rates, points,

closing costs and loan programs. Refinancing can affect other aspects of your

financial picture – positively and negatively – including your liquidity, taxes, and overall debt and investment strategy.

As I don't have any professional expertise in this area, I refer my clients wishing to consider the benefits of refinancing to David Kuiper at First Place Bank. David has a wealth of knowledge and experience in helping clients make smart choices when selecting a loan program, regardless of whether it is a refinance or a purchase transaction. His overall goal is to help you integrate the mortgage you select into your long and short-term investment strategy and achieve your payment and equity objectives.

I recommend that all of my clients start with David’s Mortgage Fitness Checkup. This is a free service offered to my clients by David, and it only takes about 20 minutes. David will be able to help you make smart decisions about your mortgage now, and well into the future.

If you would like to take advantage of this exciting opportunity, understand first that I endorse it strongly. You may call David directly at 616.546-9250, and let him know you are one of my valued clients, and he will take it from there.

Warm Regards.