I'm going to create a couple of different scenarios and potential solutions, and we're going to compare and contrast those based on the time horizon in which you plan on being in the property, and then we're going to revisit the assumption that the 30-year fixed is the best choice, because it may be, but I want to see how that nets out over a period of time, and I want to make sure you choose the loan with the lowest overall cost, including closing costs and interest over your time horizon. So when you get that link, take a minute to look through all the options, and then I want to schedule a time to circle back once you've had a chance to review it.’”

“With your permission Prospect, I'm going to loop in your Realtor and/or financial advisor, because I want to make sure that the advice I give and the direction I'm advising aligns with your overall financial plan, and where your advisor thinks you should be going. I'm going to spell out the cost differences between the different loans, and we're going to look at the total costs over the time horizon you're going to be in the home. But I want to make sure whatever decision you make, you and your advisor feel good about. Would you make sure you have an opportunity to review this with your advisor before we make a final decision?”.