Total Cost Analysis (TCA)  The TCA performs the industry's most powerful side-by-side analysis of the net cost of a loan over time. More importantly, it highlights two specific areas of the total loan cost. First, it measures the financial impact you would feel if you were to invest the savings of a given loan into an asset-accumulation account. Second, it demonstrates the power of repaying the loan and the savings.

Understanding the total cost of your mortgage means understanding the true cost. The only way to measure the performance of your mortgage is to assess all the various elements over time.

When time is factored into comparing loan options, it can greatly alter the difference between options and scenarios. A Total Cost Analysis allows you to determine which option is truly in your best interest based on the time you'll want to keep your loan. Small differences, properly managed over time, can mean many thousands of dollars in savings.

 

In most cases, the interest you pay on your mortgage is tax deductible (please see your CPA or other tax adviser for specifics).  Because your Total Cost Analysis report includes Tax Savings, you have a complete picture of the potential benefits your home provides in terms of taxes.

Financial goals are a personal element. Because most individuals see their mortgage as being separate from their other financial instruments, they can miss opportunities to accelerate their objectives.

We have the experience and the unique software specially designed to help illustrate how your mortgage will impact your financial goals. Whether it's paying off your home faster or increasing your savings and investment contributions, the Total Cost Analysis will show you the bottom line.