Jud Hendrickson-Mortgage Advisor NMLS ID# 268051

Jud Hendrickson-Mortgage Advisor NMLS ID# 268051 Sr. Mortgage Advisor, Principal Lending Manager, Lic. #5451083. Cedar Woods Financial, NMLS # 120821.

1115 S. Main St. Cedar City, Utah 84720

As your Mortgage Consultant, I have more than 30 years of experience in Real Estate, Banking , and Home Financing. I know how to guide you through the mortgage process for a flawless close to your home buying transaction.

LIKE YOU, I AM CONCERNED ABOUT INFLATION.According to a recent survey, the impact of inflation on retirement planning ha...
04/11/2022

LIKE YOU, I AM CONCERNED ABOUT INFLATION.

According to a recent survey, the impact of inflation on retirement planning has many seniors on edge. Inflation is at a 39 year high. By refinancing your current Reverse Mortgage or obtaining your new Reverse Mortgage you may be able to tap into a higher line of credit based on today's historically high home values and stabilize retirement savings by turning your home equity into cash.

You can do this today without closing costs. PLEASE CALL ME TODAY for a no-pressure conversation. I can help. (435)619-7827

07/22/2020

WOW! My latest Reverse Mortgage statement says my Line-of-credit has grown by $2,256! This is money I can use and my original line of credit will still be the same!
With this COVID-19 happening, it is a GREAT FEELING not to be making a monthly house payment!

01/07/2020

After originating hundreds of HECM (Reverse Mortgage) loans, and having people ask why I did not do one for myself, I finally did it! I now have a HECM loan for myself!
Obviously I believe in them. It blesses our lives! First of all, I no longer have any pressure to make a monthly mortgage payment. I don't have to worry about my wife's security if I pass away first, I don't worry as much about the economy, and I have a little extra money to use as I wish!

I am very happy. If you are considering a HECM for yourself, please give me a call and we can discuss it. It may be just what you need.

02/08/2019

Here is a dose of reality. Most people spend their entire adult lives working to pay for their home. This is largely due to the loan products being sold to them for decades and the amount of interest that comes with them.

The AIO (All-In-One) loan can help you save thousands of dollars, increase the liquidity and own your home decades faster.

The AIO loan is the smarter way to borrow.

For more information on this great product, please give me a call or send me a message. I would like to talk to you!

01/31/2019

Finally, after 40 years of business, there is a mortgage plan that offers the borrower some advantages. Interest only payment if you wish, principal paid first which will eliminate decades of payments, and much more. It will change the way you look at mortgage financing. Call me for more information or e-mail to [email protected].

08/27/2018

Hello Friends!
We homeowners have gained equity recently in huge amounts. This is "soft equity", equity gained through market pressures and the economy, vs. "hard equity", equity gained by paying down your existing mortgage.
This equity means very little unless you put it to work for you. We can imagine ways we can use extra money if it is available to us.
Call me today and I can show you how to access your equity and in many cases, continue to pay off your mortgage without an increase in payments or term.
I am looking forward to hearing from you.
Jud (435)619-7827

02/15/2018

Interest rates have increased to the highest level since 2014.
Mortgage amortization was invented by bankers for banks. They get the interest before any principal reduction happens. The ALL-IN-ONE loan was created by homeowners for homeowners. The principal is paid first. Your loan can be paid off in a fraction of the time of a regular mortgage, plus other advantages that other mortgages cannot offer. Call me today for more details.

02/12/2018

With most mortgages, interest is paid first. With the ALL IN ONE loan, Principal is paid first to reduce the balance faster. Call me now for details!

01/15/2018

With the new year rapidly going by, many people are looking into an equity line of credit to do home improvements, pay debts, etc. This morning I heard an advertisement from a major bank that offers a line of credit with a "tickler rate" for the first few months. The problems with this plan are many. You may get a shock when the real interest rate sets in. You may get a shock when the final payment comes due. In addition, most equity lines are in second position. You must keep paying your underlying mortgage plus pay the equity line. However......There is a better way. I am certified to offer the ALL IN ONE loan. This works like an equity line of credit that replaces your underlying mortgage, plus has a flexible payment system that makes it easy on you to pay it back. Most borrowers are able to pay a 30-year ALL IN ONE off in 12-15 years without making any additional large payments.
It's a great, new concept in home financing. Call me today and I can give you the details 435-619-7827

11/09/2017

How would you like a mortgage that does not have a regular monthly payment? This is not a Reverse Mortgage but a forward mortgage for everyone! Give me a call and I can tell you how it works.!

09/19/2017

WE ONLY HAVE 13 DAYS REMAINING

until the new funding limit on Reverse Mortgages takes place. This change will reduce the amount of money available to the homeowner.

If you know anyone who is considering a Reverse Mortgage for purchase or refinance, have them contact me to get their case number in place before October 2. They can close in October or November, but the process must begin now!

09/18/2017

You want a mortgage? But what about the Equifax breech? How to deal with it...

As we have been hearing, the Equifax Credit Service has been corrupted and personal information on you, including social security numbers, birth days, and other information for more than 143 million Americans is now in the hands of people that can use it to damage you. How do you deal with it?

When applying for a mortgage, your lender will request to do a "tri-merge" credit report. That's a report from three credit bureaus. Equifax, Experian, and TransUnion. If you information is corrupted from the breech, your credit score may suffer, and it will cost you more to get that mortgage.

Contact each bureau and ask that your credit be frozen. Your information could still be updated through the bureaus, but no one will be able to access your credit without your knowledge. It may cost you a couple of $$ to do this, but Equifax is waiving the fee for the next 30 days.

When your mortgage lender is ready to pull your credit report, ask the credit bureaus to temporally release the freeze, and then reapply it after the report is pulled. This may need to be done a few times throughout the process.

Even though it can be a hassle to do this, it can be worth thousands of dollars over the life of your mortgage.

For more information on this or any other question you may have, please feel free to contact me.

Address

Saint George, UT
84790

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm

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