Personalized Mortgage Plan

A service provided by Mark Klein Total Cost Analysis

your goals + our planning = total strategy

Do you view your mortgage as a loan or a financial
instrument? For most people their mortgage represents Pacific Coast Lending The purpose of this analysis is to Prepared b

their largest and most import ant debt obligation while their "Your Personal Mortgage Consultant" help you make an informed decision
when selecting your home loan.
Mark Klein
Date prepa
home represents their most significant and largest asset. Yet, 28720 Roadside Drive Suite 300 Agoura Hills, CA 91301
Tel:(818) 865-0600 Fax:(818) 865-2508
9/11/2007

most consumers lack a plan to manage their mortgage. Total Cost Analysis FOLLOW THESE 3 SIMPLE STEPS:
This isn’t the fault of the consumer. Quite simply, the tools Client of Mark Klein
1. Review the SUMMARY of your loans. Details for each program ca
second page.

and training necessary to provide complete analysis have 2. Next, review the TOTAL COST ANALYSIS for each loan so that yo
program might be right for your financial situation.*

been absent from the mortgage industry, until now.

3. Finally, review the suggested Debt Free or Asset Accum. plan to se
, thousands on your loan. Also, you can review the MONTHLY TAX BE

Mark Klein is one of a rare group of mortgage planners in SUMMARY

1st Loan Amount
30/15 30/15 IO 30 Yr Fixed

the nation who has invested in the technology, tools and

$1,000,000 $1,000,000 $1,000,000
This summary table displays information on up to four Interest Rate 6.750% 6.750% 7.200%
training necessary to deliver a comprehensive mortgage loan programs, including their respective fees and
monthly payments. Term (months) 360 Int. Only 36

plan. A mortgage plan allows you to consider several Each program shows a first mortgage, and possibly a
P&I
MI
$6,486
$0
$5,625
$0
$6,788
$0
mortgage options and determine the strategy that best helps second mortgage. MI Cut Off N/A N/A N/A

you to accomplish your goals. Although this table will show you which loan will provide
you the lowest payment, such a loan may not be the right
2nd Loan Amount
Interest Rate
$0
0.000%
$0
0.000%
$0
0.000%
loan for your financial situation.*
Term (months) Int. Only Int. Only Int. Onl
A mortgage plan will have a powerful impact on your P&I $0 $0 $0

overall financial plan. Consumers who secure the services Current Property Value: $1,500,000.00 Totals Total Payment
Net Savings
$6,486
$302
$5,625
$1,163
$6,788
$0
of a qualified mortgage planning professional are uniquely
empowered to make solid decisions. Whether it be TOTAL COST ANALYSIS Months:
Total Payment
180 30/15
$1,167,477
30/15 IO
$1,012,500
30 Yr Fixed
$1,221,819
optimizing equity or debt, aligning the mortgage with A true loan comparison cannot be made simply by
comparing the payments that a loan offers. There are Principal Paid $267,046 $0 $254,117

financial goals, adjusting for life events, or saving money various other fees and issues which effect the overall
cost of a loan. The table at the right analyzes the
Int / MI Paid
Balance Left
$900,431
$732,954
$1,012,500
$1,000,000
$967,702
$745,883
through identifying the lowest cost transaction, a mortgage difference in total overall cost of your home loan.
Closing & Pts. $6,664 $6,664 $4,560

plan clarifies your options and illuminates quality Evaluating the total cost is the key to selecting the lowest
cost mortgage for your individual needs.*
Total Cost
Net Savings
$907,095
$112,069
$1,019,164
$0
$972,262
$46,902
decisions.
MORTGAGE PLAN WITH ASSET ACCUMULATION 30/15 30/15 IO 30 Yr Fixed
Monthly Amount $300 $1,168 $0
This Mortgage Plan is designed to help you make an
Int. Rate 8.00% 8.00% 8.00%
informed decision on a mortgage integrated with your overall
Mortgage Plan Benefits financial plan. This example displays an estimated Real
Estate value combined with potential investment account
Home Value
Loan Balance
$1,738,911
$938,757
$1,738,911
$1,000,000
$1,738,911
$943,300
growth.* Equity $800,154 $738,911 $795,611
Years: 5 Accum. Total $22,043 $85,821 $0
• Underst and how to identify the lowest cost option. > Net Worth $822,197 $824,732 $795,611

Home Value $2,015,875 $2,015,875 $2,015,875

• Accelerate your goals by determining your “Freedom Point” Loan Balance $853,010 $1,000,000 $862,118
Equity $1,162,865 $1,015,875 $1,153,756
Accum. Total $54,884 $213,681 $0
• Integrate your mortgage into your overall financial plan Years: 10
Net Worth $1,217,748 $1,229,556 $1,153,756
> Assets > Debts 25.58 yrs. 23.92 yrs. 30.00 yrs
• Optimize your equity and debt configuration MONTHLY TAX BENEFIT Tax Brac: 40% 30/15 30/15 IO 30 Yr Fixed
1st Mortgage $2,250 $2,250 $2,400
Consider the tax benefits of your home mortgage. By
2nd Mortgage $0 $0 $0
consolidating your non-tax deductible debt (credit cards,
etc.) into your mortgage, you can save $$$. This is just an Property Tax $625 $625 $625
estimate - contact your tax consultant for advice. Total Monthly $2,875 $2,875 $3,025
Net Savings $167 $167 $317

NOTICE AND DISCLAIMER: The results above are based on (i) information provided by you, (ii) estimates of interest rates, your ability to save, your tax bracket, closing costs and oth
amounts, (iii) currently available loan programs and (iv) information and assumptions discussed with your advisor; all of which might change over time. If the information or assumption
not correct or change, then the results above will change. Your advisor will provide additional information about costs, fees and other information required by state and federal law.

Copyright (c) 2007,WowTools.com & MortgageCoach.com All Rights R

Pacific Coast Lending

Mark Klein,
p (818) 865-0600
f (818) 865-2508
mark@pclending.com Powered By: Mortgage Coach
www.pclending.com
 Pacific Coast Lending The purpose of this analysis is to Prepared by
"Your Personal Mortgage Consultant" help you make an informed decision Mark Klein
when selecting your home loan. Date prepared
28720 Roadside Drive Suite 300 Agoura Hills, CA 91301 9/11/2007
Tel:(818) 865-0600 Fax:(818) 865-2508

Total Cost Analysis FOLLOW THESE 3 SIMPLE STEPS:

1. Review the SUMMARY of your loans. Details for each program can be found on the
second page.
Client of Mark Klein 2. Next, review the TOTAL COST ANALYSIS for each loan so that you can compare which
program might be right for your financial situation.*
3. Finally, review the suggested Debt Free or Asset Accum. plan to see how you can save
, thousands on your loan. Also, you can review the MONTHLY TAX BENEFITS.

1 SUMMARY
This summary table displays information on up to four
1st Loan Amount
Interest Rate
30/15
$1,000,000
6.750%
30/15 IO
$1,000,000
6.750%
30 Yr Fixed
$1,000,000
7.200%
5/1 Int Only
$1,000,000
6.250%
loan programs, including their respective fees and
monthly payments. Term (months) 360 Int. Only 360 Int. Only
P&I $6,486 $5,625 $6,788 $5,208
Each program shows a first mortgage, and possibly a MI $0 $0 $0 $0
second mortgage. MI Cut Off N/A N/A N/A N/A
Although this table will show you which loan will provide 2nd Loan Amount $0 $0 $0 $0
you the lowest payment, such a loan may not be the right Interest Rate 0.000% 0.000% 0.000% 0.000%
loan for your financial situation.*
Term (months) Int. Only Int. Only Int. Only Int. Only
P&I $0 $0 $0 $0
Current Property Value: $1,500,000.00 Totals Total Payment $6,486 $5,625 $6,788 $5,208
Net Savings $302 $1,163 $0 $1,580

2 TOTAL COST ANALYSIS

A true loan comparison cannot be made simply by
Months:
Total Payment
180 30/15
$1,167,477
30/15 IO
$1,012,500
30 Yr Fixed
$1,221,819
5/1 Int Only
$937,500
comparing the payments that a loan offers. There are Principal Paid $267,046 $0 $254,117 $0
various other fees and issues which effect the overall Int / MI Paid $900,431 $1,012,500 $967,702 $937,500
cost of a loan. The table at the right analyzes the Balance Left $732,954 $1,000,000 $745,883 $1,000,000
difference in total overall cost of your home loan.
Closing & Pts. $6,664 $6,664 $4,560 $11,000
Evaluating the total cost is the key to selecting the lowest Total Cost $907,095 $1,019,164 $972,262 $948,500
cost mortgage for your individual needs.* Net Savings $112,069 $0 $46,902 $70,664

3 MORTGAGE PLAN WITH ASSET ACCUMULATION

This Mortgage Plan is designed to help you make an

Monthly Amount
30/15
$300
30/15 IO
$1,168
30 Yr Fixed
$0
5/1 Int Only
$1,580
Int. Rate 8.00% 8.00% 8.00% 8.00%
informed decision on a mortgage integrated with your overall
financial plan. This example displays an estimated Real Home Value $1,738,911 $1,738,911 $1,738,911 $1,738,911
Estate value combined with potential investment account Loan Balance $938,757 $1,000,000 $943,300 $1,000,000
growth.* Equity $800,154 $738,911 $795,611 $738,911
Years: 5 Accum. Total $22,043 $85,821 $0 $116,093

> Net Worth $822,197 $824,732 $795,611 $855,005

Home Value $2,015,875 $2,015,875 $2,015,875 $2,015,875

Loan Balance $853,010 $1,000,000 $862,118 $1,000,000
Equity $1,162,865 $1,015,875 $1,153,756 $1,015,875
Accum. Total $54,884 $213,681 $0 $289,055
Years: 10
Net Worth $1,217,748 $1,229,556 $1,153,756 $1,304,929
> Assets > Debts 25.58 yrs. 23.92 yrs. 30.00 yrs. 20.75 yrs.

4 MONTHLY TAX BENEFIT

Consider the tax benefits of your home mortgage. By
Tax Brac: 40%
1st Mortgage
30/15
$2,250
30/15 IO
$2,250
30 Yr Fixed
$2,400
5/1 Int Only
$2,083
2nd Mortgage $0 $0 $0 $0
consolidating your non-tax deductible debt (credit cards,
etc.) into your mortgage, you can save $$$. This is just an Property Tax $625 $625 $625 $625
estimate - contact your tax consultant for advice. Total Monthly $2,875 $2,875 $3,025 $2,708
Net Savings $167 $167 $317 $0

NOTICE AND DISCLAIMER: The results above are based on (i) information provided by you, (ii) estimates of interest rates, your ability to save, your tax bracket, closing costs and other
amounts, (iii) currently available loan programs and (iv) information and assumptions discussed with your advisor; all of which might change over time. If the information or assumptions are
not correct or change, then the results above will change. Your advisor will provide additional information about costs, fees and other information required by state and federal law.

Copyright (c) 2007,WowTools.com & MortgageCoach.com All Rights Reserved

1 Review the Summary Options
The summary t able offers information on up to four mortgage con-
figurations. A few of the key dat a points include:
A
A 1st and 2nd Mortgage: This is a breakdown of the loan
amounts, interest rates and term for both the first mortgage and
the second mortgage.
C
tals: This area helps you underst and the Tot al Payment
B (TPo& I = principal and interest only) and then identify the net
savings for the lower payment options.

C MI: If your first mortgage requires mortgage insurance, the

amount of the premium will show up on this line and is includ-
ed in the tot al payment. B

2 Calculate the Bottom Line

An optimized mortgage will maximize the bottom line. This key
area of the report empowers you to make informed decisions by first A
breaking down the tot al cost:
B
A Months: Reviewing the tot al cost over a specific time frame
allows you to align your decision with your goals.
C
yment Factors: Based on the specified period, your
B tToottaal lpPayam ents are calculated and then broken down to illus- D
trate how much principal and interest you've paid.

C tChleoscionstgs aasnsodciPaoteidntwsi:thMcolsotsm ortgage analyses fail to factor in
ing and points. As your , I want to
help you make an informed decision by including this infor-
mation.
D Total Cost: Finally a way to compare the True Costs associat-
ed with a mortgage transaction, over time. The actual costs as-
sociated with a loan include Interest, PMI (Mortgage Insu-
rance), Closing Costs, and Points. Principal is not considered a
cost factor, because as it is paid it is converted to equity.

3 Understand How Each Options Impacts Your Strategy and Goals

Your Mortgage Plan integrates the costs and timelines and calcu-
lates how each option assists you in reaching your goals. A

A Equity Increase: If your goal is to pay down your mortgage

principle faster, the Equity Increase Plan will illustrate over
several periods of time, how each option impacts that goal.

B Debt Free In and Interest Saved: By singling out the least B

effective option, your report shows you how long each option
will t ake to pay off your mortgage and what you will save in
interest.

4 Understand the Likely Tax Benefits

Because the IRS allows most borrowers (see a qualified t ax
advisor for specifics) to deduct the cost of interest and proper- A
ty t axes from their income, you will want to review the poten-
tial impact.

A Tax Bracket: Mark Klein has estimated your likely t ax bracket

to use in calculating your t ax benefit. B

B Total Monthly and Net Savings: The likely tot al benefit

is calculated and then compared to the least favorable option
to show you your net savings.
Pacific Coast Lending The purpose of this analysis is to Prepared by
"Your Personal Mortgage Consultant" help you make an informed decision Mark Klein
when selecting your home loan. Date prepared
28720 Roadside Drive Suite 300 Agoura Hills, CA 91301 9/11/2007
Tel:(818) 865-0600 Fax:(818) 865-2508

Total Cost Analysis FOLLOW THESE 3 SIMPLE STEPS:

1. Review the SUMMARY of your loans. Details for each program can be found on the
second page.
Client of Mark Klein 2. Next, review the TOTAL COST ANALYSIS for each loan so that you can compare which
program might be right for your financial situation.*
3. Finally, review the suggested Debt Free or Asset Accum. plan to see how you can save
, thousands on your loan. Also, you can review the MONTHLY TAX BENEFITS.

SUMMARY 30/15 30/15 IO 30 Yr Fixed 5/1 Int Only

1st Loan Amount $1,000,000 $1,000,000 $1,000,000 $1,000,000
This summary table displays information on up to four Interest Rate 6.750% 6.750% 7.200% 6.250%
loan programs, including their respective fees and
monthly payments. Term (months) 360 Int. Only 360 Int. Only
P&I $6,486 $5,625 $6,788 $5,208
Each program shows a first mortgage, and possibly a MI $0 $0 $0 $0
second mortgage. MI Cut Off N/A N/A N/A N/A
Although this table will show you which loan will provide 2nd Loan Amount $0 $0 $0 $0
you the lowest payment, such a loan may not be the right Interest Rate 0.000% 0.000% 0.000% 0.000%
loan for your financial situation.*
Term (months) Int. Only Int. Only Int. Only Int. Only
P&I $0 $0 $0 $0
Current Property Value: $1,500,000.00 Totals Total Payment $6,486 $5,625 $6,788 $5,208
Net Savings $302 $1,163 $0 $1,580

TOTAL COST ANALYSIS Months: 180 30/15 30/15 IO 30 Yr Fixed 5/1 Int Only
Total Payment $1,167,477 $1,012,500 $1,221,819 $937,500
A true loan comparison cannot be made simply by
comparing the payments that a loan offers. There are Principal Paid $267,046 $0 $254,117 $0
various other fees and issues which effect the overall Int / MI Paid $900,431 $1,012,500 $967,702 $937,500
cost of a loan. The table at the right analyzes the
difference in total overall cost of your home loan.
Balance Left
Closing & Pts.
Total Cost
$732,954
$6,664
$907,095
$1,000,000
$6,664
$1,019,164
$745,883
$4,560
$972,262
$1,000,000
$11,000
$948,500
Making an Informed Decision
Evaluating the total cost is the key to selecting the lowest
cost mortgage for your individual needs.* Net Savings $112,069 $0 $46,902 $70,664

MORTGAGE PLAN WITH ASSET ACCUMULATION 30/15 30/15 IO 30 Yr Fixed 5/1 Int Only
Why Total Cost Matters
This Mortgage Plan is designed to help you make an
Monthly Amount $300 $1,168 $0 $1,580 Understanding the total cost of your mortgage
informed decision on a mortgage integrated with your overall
financial plan. This example displays an estimated Real
Int. Rate
Home Value
8.00%
$1,738,911
8.00%
$1,738,911
8.00%
$1,738,911
8.00%
$1,738,911 means understanding the true cost. The only way
Estate value combined with potential investment account
growth.*
Loan Balance
Equity
$938,757
$800,154
$1,000,000
$738,911
$943,300
$795,611
$1,000,000
$738,911
to measure the performance of your mortgage is
Years: 5 Accum. Total $22,043 $85,821 $0 $116,093 to assess all the various elements over time.
> Net Worth $822,197 $824,732 $795,611 $855,005

Home Value
Loan Balance
$2,015,875
$853,010
$2,015,875
$1,000,000
$2,015,875
$862,118
$2,015,875
$1,000,000
How Long Will You Keep Your Loan?
Equity $1,162,865 $1,015,875 $1,153,756 $1,015,875 When time is a factored into comparing loan op-
Years: 10
Accum. Total
Net Worth
$54,884
$1,217,748
$213,681
$1,229,556 $1,153,756
$0 $289,055
$1,304,929
tions it can greatly alter the difference between
> Assets > Debts 25.58 yrs. 23.92 yrs. 30.00 yrs. 20.75 yrs. options and scenarios. A Total Cost Analysis allows
MONTHLY TAX BENEFIT Tax Brac: 40% 30/15 30/15 IO 30 Yr Fixed 5/1 Int Only you and your mortgage planner to determine
Consider the tax benefits of your home mortgage. By
consolidating your non-tax deductible debt (credit cards,
1st Mortgage
2nd Mortgage
$2,250
$0
$2,250
$0
$2,400
$0
$2,083
$0
which option is truly in your best interest based on
etc.) into your mortgage, you can save $$$. This is just an
estimate - contact your tax consultant for advice.
Property Tax
Total Monthly
$625
$2,875
$625
$2,875
$625
$3,025
$625
$2,708
the time you'll want to keep your loan. Small dif-
Net Savings $167 $167 $317 $0 ferences, properly managed over time, can mean
NOTICE AND DISCLAIMER: The results above are based on (i) information provided by you, (ii) estimates of interest rates, your ability to save, your tax bracket, closing costs and other
amounts, (iii) currently available loan programs and (iv) information and assumptions discussed with your advisor; all of which might change over time. If the information or assumptions are
many thousands of dollars in savings.
not correct or change, then the results above will change. Your advisor will provide additional information about costs, fees and other information required by state and federal law.

Copyright (c) 2007,WowTools.com & MortgageCoach.com All Rights Reserved

Factoring in Tax Benefits
In most cases the interest you pay on your mort-
gage is tax deductible (please see your CPA or
other tax advisor for specifics). Because your Total
Cost Analysis report includes Tax Savings you have
a complete picture of the potential benefits your
home provides in terms of taxes.
Aligning your Mortgage with Your
Total Cost Analysis (TCA) Other Financial Goals
Financial goals are a personal element. Because
The TCA performs the industry’s most individuals see their mortgage as being sep-
most powerful side-by-side analysis arate from their other financial instruments, they
of the net cost of a loan over time. can miss opportunities to accelerate their objec-
More importantly, it highlights two tives.
specific areas of the total loan cost.
First, it measures the financial impact Your mortgage planner has the unique software
the homeowner would feel if specially designed to help illustrate how your
he or she were to invest the savings mortgage will impact your financial goals.
of a given loan into an asset-accumulation Whether its paying off your home faster or in-
account. Second, it demonstrates creasing your savings and investment contribu-
the power of repaying the loan and the tions, the Total Cost Analysis will show you the
savings. bottom line.
Mark Klein,

Pacific Coast Lending

Mark Klein,
p (818) 865-0600
f (818) 865-2508
mark@pclending.com
www.pclending.com