A RFS Consultant is a consumer advocate dedicated to protecting Consumers from predatory business practices. We provide FREE consulting services to Consumers.

 

Our objective is to provide you with the information and tools needed to make educated decisions before entering into financial transactions. We believe an educated Consumer is less likely to become a victim of predatory business practices.

 

RFS Consultants do not make decisions for you nor negotiate on your behalf. Our role is to provide you  with information you need so that you can make wise financial decisions. This includes understanding the importance of working with an honest, ethical team that will hold each other accountable for delivering exceptional customer service. 

 

Our system provides an approved list of Affiliates that offer products to help you reach your financial goals. We hold Affiliates accountable for delivering exceptional service to Consumers they work with through the REAL FINANCE SOLUTIONS System.

 

All RFS Consultants must complete a certification course called, “Real Finance: A Consumer Advocate Approach to Real Estate & Mortgages”.  This gives the Consultant a better understanding of how predatory business practices affect Consumers, common targets of predatory lending and how to work with a team to avoid predatory business practices, as well as, a comprehensive overview of mortgage loan products and credit scoring.

 

Your RFS Consultant will ask you a series of questions designed to help them understand your financial needs. Then they will introduce you to the tools on their website that will help you determine what financial products may help you reach your goals.

 

For instance, if you are refinancing you can use our Refinance Analysis Calculator to see how much your payment will change and how much interest you may be able to save.  We suggest that you compare a 15-year loan, 20-year loan and a 30-year loan and consider the impact your mortgage has on your overall financial goals.

 

Then, when you are ready, your RFS Consultant can introduce you to one of the approved Affiliates on our system that will discuss your options, provide current interest rates and a Good Faith Estimate of Charges. They can help you decide if now is the right time for you to refinance by considering how long you will remain in the home and how long it will take for you to recoup the cost of refinancing. 

 

The Refinance Analysis Calculator is only one of the many tools available that can provide you information upfront before you make a commitment to enter into a financial transaction. We believe an educated consumer is less likely to become a victim of predatory business practices.

 

REAL FINANCE SOLUTIONS provides a team of approved Affiliates on the System that can help you with commercial and residential financing, commercial equipment leasing, RV/Boat/Aircraft financing, credit management and many other services. We hold our Affiliates to a high level of quality service and if they do not live up to our expectations they are removed from the System.

 

The end result is that we hope you will become a Raving Fan of our services and not only use us again in the future but also refer your friends and family.