Hi, I'm Victor Emmel, Mortgage Advisor and Certified Mortgage Planning Specialists (CMPS®) with Homebird Mortgage. We exist to serve our clients by creating customized mortgage solutions to meet their housing and financial goals. We offer home purchase, refinance, and investment property financing, including Conventional, FHA, VA, USDA, Jumbo, home equity, and non-agency lending programs.

Mortgage Planning is the process of taking a consultative approach to help families carefully evaluate different mortgage loan options. This approach considers your overall mortgage, financial, and investment plan to minimize interest, improve cash flow, and reduce your overall tax burden.

Most mortgage companies are limited by only offering one mortgage loan solution without considering your financial goals. We present ways for our clients to build wealth through real estate and guide our clients in finding ways to enjoy life through financial freedom. Your mortgage is your single most significant debt, and your home is your single most important financial investment. That’s why mortgage planning should not be a do-it-yourself endeavor but rather a collaborative effort.