By Jayson Stebbins Mortgage Professional

Jayson Stebbins is a 23 year veteran of the Mortgage Banking industry and an Accredited Mortgage Professional through the Mortgage Bankers Association . He grew up in Morgan Hill and currently lives in Gilroy . He is the local Branch Manager of Guild Mortgage , a 56 year old mortgage banking firm . His office is in Morgan Hill and serves all of Santa Clara , San Benito , and Monterey counties . You can reach Jayson and his Team at 408-782-8800 or at jstebbins @ guildmortgage . net

I have come to love one of the pages , which has the names of four business partners that over the years have proven to be customer focused and excellent service providers . The purpose of that list is to make sure that clients have surrounded themselves with the right people to help them be successful . This is the financial village to help them get where they want to go , achieve their goals , and do it as quickly and prudently as possible .

Now since they are already talking to me , they have a great Mortgage Loan Officer . So who else is in the village :

Trust Attorney

Once you own a home in California it is critical that your next step is to protect it . Putting your home into a trust and creating a will is a “ peace of mind ” event that should happen quickly after owning property .

Financial Planner

You have just made a very large purchase , and your financial life is different . Time to consul t with someone you can rely on to help you with the rest of your investments , whatever they may be .

CPA ( Certified Public Accountant ) Filing your tax return is more complex when owning a home . Make sure you have an expert working on this for you .

Insurance Agent

Many people default to their car insurance company when they insure their home . But shopping around is not a bad idea . It may be that buying or refinancing is the perfect time to make sure you are property covered , and that you are not paying too much .

That is the Financial Village , and every client we talk to gets a reminder to surround themselves with the right members of that village . And I have written about this in this space as well , but it bears repeating : don ’ t assume the internet is best . If you can shop and keep the business local , or at least allow for a local company to help you , you may be surprised that not only are the quotes competitive , but you have access the them at a much higher level than internet based companies or call centers .

Actually I should add one more person to that village : Your Realtor . I work with Realtors all the time in my business ... how could I forget them ? Well I didn ’ t , but most of the time when I meet a family they already have a Realtor so they are in process and well covered . But if not , I refer them to Realtors that would be a good fit and have that magic word : Local .

Putting together your village or your team is important , and getting all those people on your side and looking out for you creates a sense of stability and confidence in your financial world .

Jayson Stebbins is a licensed mortgage agent in CA for Guild Mortgage Company NMLS # 38463 ; Licensed by CA Disclosure : Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act . NMLS Company Unique ID 3274 ; Branch Unique ID 38480 . The postings on this editorial don ’ t necessarily represent the positions , strategies or opinions of Guild Mortgage Company or its affiliates . This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval . All loans are subject to underwriter approval , and are subject to change without notice . Equal Housing Lender .

GILROY • MORGAN HILL • SAN MARTIN JULY / AUGUST 2017 gmhtoday . com

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