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Article - How the Wealthy Manage Home Equity to Safely and Conservatively Increase their Net Worth

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Baumann & Gruber offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide a wide array of products to fit the needs of your specific needs and strategy.
 
Equity Builder Mortgages
Section 163 Advantage Mortgages
Cash Flow Advantage Mortgages

Equity Builder Mortgages

Equity Builder mortgage programs are designed to allow the homeowner to more quickly and safely reach the point of being "debt free." These programs take advantage of the benefits derived from having equity in the home as well as those benefits derived from having a more diversified financial landscape.


Section 163 Advantage Mortgages

Section 163 Advantage mortgages are designed to extend the "efficient frontier" of personal finance and lower the overall cost of borrowing. This is done by maximizing the opportunities and effectiveness of mechanisms and structures often overlooked in personal finance, effectively eliminating the unnecessary financial losses experienced by most homeowners.


Cash Flow Advantage Mortgages

Cash Flow Accelerated mortgages increase the available cash flow and velocity of money for the household. Debt service requirements are often reduced significantly while simultaneously increasing the velocity of money and wealth creation.




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.