Residential Financing and Refinancing

An effective way to build net worth and financial security is to properly manage your assets and liabilities together. By integrating smart home-financing strategies into your overall financial plan, you may be able to reduce expenses, increase cash flow, lower taxes and avoid disrupting a well-planned investment strategy.

As your financial goals evolve, they will likely include buying or building a larger home, purchasing a second residence, improving or expanding your current home, or helping your children buy a home.

Or, as part of your long-range financial plan, you may want to refinance your home, restructure the financing on different homes, reduce interest expense, or rebalance cash flow or interest-rate risk.

Whatever your needs, home financing should be incorporated into your overall financial plan, putting your money to work as tax efficiently as possible. For example, home buyers, wanting to avoid capital gains or disrupting their long-term investment strategy by liquidating assets for a down payment, may pledge eligible securities in lieu of a down payment to create a 100% home-financing solution.

To maximize tax deductibility, many home buyers select mortgages with interest-only payments, which provides flexibility to control cash flow. By paying only the interest on the mortgage for up to 10 years, home buyers may reduce their monthly mortgage payment and have more funds available for investing or for paying down higher-cost, nondeductible consumer debt.

Through the financial planning process, you can leverage innovative home-financing strategies for a comprehensive, strategic tax-smart approach, maximizing both the accessibility of cash and the value of your resources, which may ultimately help you preserve and enhance your net worth.

Commercial Mortgages & Refinancing

Your business is growing in leaps and bounds. And now you need to find a new office space, expand or refinance your existing one. Allegiant Financial’s Commercial Mortgage Advisors will assist your company in meeting it’s financing needs with fixed or variable rates, making the expansion of your business a little easier.