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Our primary goal with the Home Equity Relief Plan is to ensure all your monthly payments and life necessities are covered for at least 6-12 months. No monthly payments will be required during this time. We also set you up for success when you return to work with a goal to keep your current monthly payments the same or, and in most cases we reduce your total monthly costs when you return to work.

1. Understand Your Budget.

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First thing first, together we must understand how much money you require each month. It is important to understand all of your monthly costs, well beyond just your regular mortgage payment. So we break it down line by line in a full spreadsheet like you see here. Starting with your mortgage payment right down to the cereal you eat for breakfast. We want to make sure we cover all costs so you can carry on life as you know it.

2. Review the Numbers.

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After we complete the Monthly Budget we do a deep dive into the numbers. As part of the budgeting process, we also summarize your total debt balances in addition to the monthly payments. So on this sheet we summarize all the numbers in your current financial plan and look to build out some goals.


Reviewing the numbers consists of two parts: 

  1. Build a short term plan i.e. The Next 6 Months.

  2. Build a long term plan i.e. Back to Work & Normal Life.

3. Finalize the Plan.

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Now it is time to finalize the Home Equity Relief Plan and optimize your financial plan for when you return to work. The primary purpose of the Home Equity Relief Plan is to cover all your monthly costs for at least 6 months. We go one step further and set up a return to work plan that ensures your total payments you have today does not increase. In most cases, we actually reduce today's total monthly payments when you get back to work. Total financial optimization is achieved. 

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