Mortgage Under Management

Mortgage Advice for Life

News, resources, case studies, and models that allow you to better advise your clients on the liabilities side of the balance sheet.

Helping Clients Manage Mortgages Beyond Closing

Mortgage Under Management helps homeowners manage their mortgage for the lifetime of their loan, through advisement from the Leo Anzoleaga Group and guidance from our valued Financial Advisor partners.

Existing Leo clients are automatically enrolled, but any homeowner with a mortgage can join MUM at no charge to them. They will receive mortgage planning through annual reviews, interest monitoring to lock in competitive mortgage rates for a refinance, and monthly reports containing valuable news, tools, and updates.

Financial Advisors enroll in MUM to receive weekly emails with resources and case studies as well as personalized scenario planning and modeling to better advise clients on their mortgage and their debt in general.

Read Our Case Studies

When evaluating how a Certified Mortgage Planning Specialist can help your clients, it's helpful to understand what to look for and ask to find the best solutions for their financial situations.

Energy Efficient Home Credit

Eligible U.S. homeowners and builders can claim the Energy Efficient Home Credit on their annual taxes. Learn about the program details in this article.

How Delayed Financing & Investment Deductions Help Luxury Home Cash Buyers

Homeowners can deduct mortgage interest up to the maximum each year on their taxes, but cash buyers can take advantage of these tax savings if they act quickly.

Case Study: Strategy to Mitigate an Appraisal Gap

There is always a chance that an appraisal comes in under your offer amount, but luckily we have a strategy to manage the gap.

How Mortgage Under Management Works

Our Mortgage Under Management program ensures you get the best terms on your mortgage, from planning to post-closing.

Mortgage Planning

Out of the gate, we'll structure your new mortgage to complement your financial plan, getting you the perfect mortgage at a great rate. We'll consider your financial goals, cash flow, retirement budget, and more - helping you understand each factor.

Interest Rate Locking & Monitoring

Interest rates change daily. With our AutoLock service, we'll help you target a competitive rate and lock it in when it becomes available. Then, we'll work with you to plan for the future by establishing a preset rate target at which a refinance can save you money.

Rate Watch & Monthly Digest

Our team monitors the market daily and sends you a detailed RateWatch report each month to evaluate your target rate against the current mortgage market. You'll be alerted when savings are available, and we will activate your plan when we hit your target.

About Leo Anzoleaga

My journey into real estate and residential lending began back in 2003. Although I joke about "tripping" into the mortgage industry, every step since then has been extremely intentional — from learning everything I can about the industry and it's best lenders to investing time teaching local agents.

I truly believe that home buyers deserve the best advice and experience along with a competitive mortgage rate, and it is my mission to deliver on that promise through streamlined processes, personalized service, and comprehensive mortgage planning.

Working with my team at the Leo Anzoleaga Group is more than mortgage rates and financial advice; it’s an invitation to join the Leo community. A community you can plug into so your journey is not accidental, it's intentional.

Leo Anzoleaga

Certified Mortgage Planning Specialist®
Senior Vice President of Residential Lending
NEO Home Loans

Don't Take My Word for It

"The Mortgage Under Management program has been a game-changer for me."

John Doe

Homeowner, XYZ Company

"I never thought managing my mortgage could be this easy. The program has saved me both time and money."

Jane Smith

Real Estate Agent, ABC Realty

"Thanks to the Mortgage Under Management program, I was able to secure a lower interest rate and reduce my monthly payments."

Michael Johnson

Business Owner, XYZ Corp

"The Mortgage Under Management program has provided me with peace of mind knowing that my mortgage is being optimized at all times."

Sarah Williams

Investor, ABC Investments

"I highly recommend the Mortgage Under Management program to anyone looking to maximize their mortgage benefits."

David Brown

Homebuyer, XYZ Corporation

"The Mortgage Under Management program has exceeded my expectations. It's a must-have for homeowners."

Emily Davis

Realtor, ABC Realty

Increase your Mortgage Under Management

Join our program and begin enhancing the way you advise clients on their mortgages and more today.

Thank you! We look forward to partnering with you.
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Frequently Asked Questions

Answers to common Mortgage Under Management (MUM) questions.

How do I enroll?

Sign up for our Mortgage Under Management program above or email Leo@Anzoleaga.com to join!

How does MUM work for Financial Advisors?

When you are part of MUM, you receive weekly emails with case studies, information, tools, and resources that help you manage the liabilities side of your clients' balance sheets. You'll also have access to additional opportunities such as co-branded lead generation events, annual reviews, and marketing promotions.

How does MUM work for clients?

Mortgage Under Management helps homeowners get the best mortgage rate, terms, and strategies for the lifetime of their loan through:
Mortgage Planning
Interest Rate Locking & Monitoring
Rate Watch & Monthly Digest

Get in Touch With Leo

Getting in touch is simple. Call, text, or email with any questions you have, to set up an appointment, and to introduce your referral to the Leo Anzoleaga Group.

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