Financial Adviser

We help your clients secure the right mortgage without having to liquidate their investments. They keep more money in their portfolios, so that you can grow their wealth, all while saving on their mortgage.

How we create WIN-Win scenarios

House A

House B

Home Price

$500,000

Down payment

$100,000 (20%)

$25,000 (5%)

Interest rate

6.5%

5.375%

Mortgage Interest Paid

$499,974

$472,900

Mortgage payment

$2,478

$2,607

Highlights

-$75,000 less available to invest
-More interest paid

-$67,000 more to invest
-Large interest savings
-Better recasting position

What makes us different

Fast Pass

Our Fast Pass service does more than just speed up pre-approvals—it takes the admin work off your plate. We handle the paperwork, coordination, and communication with your clients, making sure everything is ready to go before they even make an offer. Buyers are seen as serious contenders, often as competitive as cash buyers, giving your client a better chance to close deals quickly. We help you stand out by enabling you to offer this done-for-you service.

Financially Engineering Loans

With an accounting and finance approach, we don’t just put out cookie cutter loans. Anyone can do a mortgage. As you can see above, the traditional 20% down isn’t the safer path as many people believe. We take a wholistic view of our clients to make sure they are maximizing their money (and keeping more in their portfolios). Sometimes it doesn’t make sense to put less down, and we take a look at all angles to determine the best path for your client.

Loans for Difficult situations

- Take your typical business owner. He is reinvesting all his cash into the business to grow, and he also writes off a lot for tax purposes. Traditionally, he won’t qualify for a loan, but we have options designed specifically for that.

- You have a trust fund client that doesn’t have high income, just a lot of assets. Instead of drawing from the portfolio to pay for the house, we can do a 1-1 mortgage loan on what they want to borrow instead of drawing against assets.

Proprietary Technology and Speedy Closings

Our app streamlines the entire process, keeping everything organized and transparent. This allows us to close deals faster than industry standards, reducing delays and ensuring your clients stay informed and confident every step of the way.

CLIENT JOURNEY

Here’s the typical client journey with referrals from our Financial Advising partners.

"Hey FA, I need to buy a house"

Client approaches their financial advisor about purchasing a home.

"Let’s get you a mortgage without touching your investments"

The financial advisor suggests keeping investments intact and recommends Mountain Mortgage as the lender.

"Let me introduce you to Paul"

Financial advisor connects the client with Mountain Mortgage through a three-way call or email introduction.

"We’ll find the best mortgage while keeping your portfolio growing."

You explain your approach to securing a mortgage that fits the client’s financial strategy.

"We’ve reviewed your finances and found the right loan options."

Mountain Mortgage, in consultation with the financial advisor, present tailored mortgage solutions.

"You’re pre-approved, and your investments are untouched."

Financial Advisors can present the pre-approval, keeping the process smooth and aligned with their financial goals.

"Congrats! You’ve closed on your home, and your portfolio is still working for you."

Financial Advisor wins.
Client wins.
Mountain Mortgage wins.