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- 17 Answers
- 10 First Answers
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About Me
I'm a mortgage planner in West Des Moines, Iowa. I do business all over the state and enjoy working with clients in finding the right mortgage for their long term plans.
If you have questions regarding personal or home finance, please don't hesitate to contact me! I enjoy being a resource and educating Iowans.
If you have questions regarding personal or home finance, please don't hesitate to contact me! I enjoy being a resource and educating Iowans.
Testimonials
"“From our very first meeting to our closing Tyler was very well prepared and professional. He went through every option available to us for financing. Tyler was consistent with his communcation throughout the purchase with weekly updates to us, the realtors and even the sellers! He was exemplary in his explainations so that we understood and was very detail oriented. We completely trust Tyler and felt confident in his work and knowledge. Tyler Goes above and beyond his role which brings him to excellence.”"
Doug and Dee Mon Aug 27, 2007
Doug and Dee Mon Aug 27, 2007
"“We couldn’t be more thrilled with the recent experience we had with Tyler at Four Legacies Mortgage. Tyler made us feel very confident in the process as he was very thorough with his process from asking us about our current mortgage and financial cash flow situation all the way to what we would like that to be. Tyler kept us up to date with emails, phone calls. The entire process from inquiring about a loan with Tyler to signing the papers was stress-free and smooth. We were impressed how Tyler had us start at one rate and he recommended to float till the market reached it’s best point and then he recommended to lock. We saved almost $800/month in cash flow in just a few short weeks of working with Tyler! We couldn’t be more thankful! I strongly recommend Tyler to anyone looking for not just a mortgage lender, but that individual that will go above and beyond your expectations in getting you the type of loan that fits your needs for your wealth management goals. Tyler truly looks at the big picture of where you are and where you want to be in creating your wealth through the right choices in setting up your mortgage to lead you down that path. Tyler, thank you for not only helping us reach our wealth creation goals but for your consistent communication in sharing advice after the process.”"
Jason and Amy Tue Apr 1
Jason and Amy Tue Apr 1
"“Tyler is a student of the industry. His understanding of his business is the best I’ve seen. Tyler adds value to each transaction he is involved in and his consultative sales approach is enlightening.”"
Steve Bruere, Owner of Peoples Real Estate Company Wed Apr 23
Steve Bruere, Owner of Peoples Real Estate Company Wed Apr 23
My Q&A
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Tyler Osby's Questions (0)
Tyler Osby's Answers (17)
Tyler Osby answered:
Hey Sarah,
What service provider are you using? I actually used to use the HTC Mogul and it was a great phone. Depending on the service provider, I could potentially sell you my practically brand new one. It's been sitting on my desk since I changed to AT&T for the iPhone ;)
Hope all is well!
Tyler Osby
What service provider are you using? I actually used to use the HTC Mogul and it was a great phone. Depending on the service provider, I could potentially sell you my practically brand new one. It's been sitting on my desk since I changed to AT&T for the iPhone ;)
Hope all is well!
Tyler Osby
Tyler Osby answered:
Hey Star!
You have brought up an extremely good question. As a mortgage lender, I'm going to try to give you an objective opinion from my experience. Sound Ok?
I think you've clearly illustrated the advantages of not using a Realtor, so I'll concentrate on what you might be missing out on.
Ultimately, you only purchase a home every 5-10 years. Realtors deal with buying and selling homes each day.
Having a Realtor is good because you'll have someone that can negotiate on your behalf. MOST importantly, an experienced Realtor knows what other people are getting. Let me give you some questions/comments as an example of things a Realtor might know that an everday consumer doesnt' know:
1) You might be buying it for less than it normally would have been listed for, but was it worth that?
2) Are other buyers getting upgrades with the price you're paying?
3) Realtors are familiar with laws specifically regarding real estate (some attorney's are not).
4) Will someone be holding your hand throughout the transaction letting you know what to expect?
I think working with a Realtor has much more 'up-side' than potential 'down-side', but that's just my opinion.
Another important thing to consider is who you choose to work with on the financing of the home. Especially if you're not using a Realtor - it could make the difference between a nightmare of an experience and a flawless one. Some banks/lenders aren't experienced with taking more responsibility (we have to) when Realtors aren't involved. Just make sure you ask your lender the right questions. If you haven't decided who you'll be working with, I know a guy that could help you out ;)
I wish you the best of luck! On another note - you should really consider locking in your interest rate. You can currently likely get below 6% on a 30 year fixed rate!
Thanks again for your question. I hope you find this helpful!
Tyler Osby
Certified Mortgage Planner
Four Legacies Mortgage
West Des Moines, Iowa
p: 515-991-7102
e: tyler@tylerosbyteam.com
Check out my super-educational blog at http://www.wealthwithmortgage.com
You have brought up an extremely good question. As a mortgage lender, I'm going to try to give you an objective opinion from my experience. Sound Ok?
I think you've clearly illustrated the advantages of not using a Realtor, so I'll concentrate on what you might be missing out on.
Ultimately, you only purchase a home every 5-10 years. Realtors deal with buying and selling homes each day.
Having a Realtor is good because you'll have someone that can negotiate on your behalf. MOST importantly, an experienced Realtor knows what other people are getting. Let me give you some questions/comments as an example of things a Realtor might know that an everday consumer doesnt' know:
1) You might be buying it for less than it normally would have been listed for, but was it worth that?
2) Are other buyers getting upgrades with the price you're paying?
3) Realtors are familiar with laws specifically regarding real estate (some attorney's are not).
4) Will someone be holding your hand throughout the transaction letting you know what to expect?
I think working with a Realtor has much more 'up-side' than potential 'down-side', but that's just my opinion.
Another important thing to consider is who you choose to work with on the financing of the home. Especially if you're not using a Realtor - it could make the difference between a nightmare of an experience and a flawless one. Some banks/lenders aren't experienced with taking more responsibility (we have to) when Realtors aren't involved. Just make sure you ask your lender the right questions. If you haven't decided who you'll be working with, I know a guy that could help you out ;)
I wish you the best of luck! On another note - you should really consider locking in your interest rate. You can currently likely get below 6% on a 30 year fixed rate!
Thanks again for your question. I hope you find this helpful!
Tyler Osby
Certified Mortgage Planner
Four Legacies Mortgage
West Des Moines, Iowa
p: 515-991-7102
e: tyler@tylerosbyteam.com
Check out my super-educational blog at http://www.wealthwithmortgage.com
Tyler Osby answered:
Hey Jesse,
You're in a position many Iowans are facing right now. The advice I would give you would be subject to a few questions.. but I'm going to do my best to give you advice based on what's best for your long term plans.
IF you were to short sale, you would be carrying the shortage (in most cases) after you sell the home. What that means is you'd be responsible for paying back the difference. If you decided to move forward with that, you'll still have some monthly expense to service that debt. I bring this up for one big reason.. it's similar to the renting scenario. If you rent, you also will have a monthly expense.
Without talking to you personally, it's tough to say what makes most sense - but IF you can handle being a landlord, renting makes a lot more financial sense. You'll have tax advantages that a short sale will not offer.
If you'd like to discuss these options, please feel free to contact me.
Thanks again!
Tyler Osby
Certified Mortgage Planner
Four Legacies Mortgage
515-991-7102
tyler@tylerosbyteam.com
http://www.wealthwithmortgage.com
You're in a position many Iowans are facing right now. The advice I would give you would be subject to a few questions.. but I'm going to do my best to give you advice based on what's best for your long term plans.
IF you were to short sale, you would be carrying the shortage (in most cases) after you sell the home. What that means is you'd be responsible for paying back the difference. If you decided to move forward with that, you'll still have some monthly expense to service that debt. I bring this up for one big reason.. it's similar to the renting scenario. If you rent, you also will have a monthly expense.
Without talking to you personally, it's tough to say what makes most sense - but IF you can handle being a landlord, renting makes a lot more financial sense. You'll have tax advantages that a short sale will not offer.
If you'd like to discuss these options, please feel free to contact me.
Thanks again!
Tyler Osby
Certified Mortgage Planner
Four Legacies Mortgage
515-991-7102
tyler@tylerosbyteam.com
http://www.wealthwithmortgage.com
Tyler Osby answered:
Hey Kristi!
I'm going to agree with Steve on this one. Your earnest money is a definite loss. Other costs could come up.
Depending on your reasons for 'backing out' you may have a valid reason to get out of the contract. I'm not sure if something came up with the inspection.. something else?
Without knowing more about the specific circumstances, it's a tough call.
If you need legal counsel, I can connect you with someone.
Let me know if there's anything I can do to help!
Thanks again,
Tyler Osby
Certified Mortgage Planner
Four Legacies Mortgage
515-991-7102 - Office
tyler@tylerosbyteam.com
http://www.wealthwithmortgage.com
I'm going to agree with Steve on this one. Your earnest money is a definite loss. Other costs could come up.
Depending on your reasons for 'backing out' you may have a valid reason to get out of the contract. I'm not sure if something came up with the inspection.. something else?
Without knowing more about the specific circumstances, it's a tough call.
If you need legal counsel, I can connect you with someone.
Let me know if there's anything I can do to help!
Thanks again,
Tyler Osby
Certified Mortgage Planner
Four Legacies Mortgage
515-991-7102 - Office
tyler@tylerosbyteam.com
http://www.wealthwithmortgage.com
Tyler Osby answered:
Hey Louise!
I am not personally a realtor, but I can certainly refer you to one here in Des Moines. I'd feel more comfortable making a referral if I know more about where the property is located, etc.
My mortgage company actually offers short sale processing for agents all over the city. Since we offer this service, I'm extremely well connected with agents that have a lot of short sale experience.
If you or your son would like me to help connect you with someone, please give me a call or e-mail me! I'd love to help connect you.
Thanks!
Tyler Osby
Certified Mortgage Planner
The Tyler Osby Team at Four Legacies Mortgage
P: 515.991.7102
E: tyler@tylerosbyteam.com
W: http://www.wealthwithmortgage.com
I am not personally a realtor, but I can certainly refer you to one here in Des Moines. I'd feel more comfortable making a referral if I know more about where the property is located, etc.
My mortgage company actually offers short sale processing for agents all over the city. Since we offer this service, I'm extremely well connected with agents that have a lot of short sale experience.
If you or your son would like me to help connect you with someone, please give me a call or e-mail me! I'd love to help connect you.
Thanks!
Tyler Osby
Certified Mortgage Planner
The Tyler Osby Team at Four Legacies Mortgage
P: 515.991.7102
E: tyler@tylerosbyteam.com
W: http://www.wealthwithmortgage.com
Specialties
Four Legacies Mortgage is a mortgage planning firm located in West Des Moines, Iowa. We work with our clients select the home financing that best suits their family’s long term goals. We offer both purchase and refinance financing opportunities for our clients.
Not only am I a mortgage planner, but I’m also a wealth creation specialist. I know that your home is a large piece to your financial puzzle. I co-founded Four Legacies Mortgage with a goal of making a mortgage a part of your overall financial plan. We also want to make sure that your mortgage is managed just as well as your assets. This is why we not only help you PLAN your mortgage, but we also help you MANAGE your mortgage! Before you can ask.. no, the management is free.. it doesn’t cost you anything.
Four Legacies was founded with a passion to educate and promote fiscal literacy. Not only do we offer mortgage planning services with competitive rates and fees, but we offer on-going seminars free to the public!
As one of my mentors in the business once said, “You only think about home financing a few times during your life - we think about it every single day. It’s your home and your future. It’s our profession and our passion. We’re ready to work for your best interest.”
If you’re currently looking for a mortgage, or know someone that is - I’d love to talk with you. I always enjoy answering questions in regards to a mortgage, so don't hesitate to contact me! (Information below)
Cell: 515-991-7102
E-mail: tyler@iowamtg.com
Not only am I a mortgage planner, but I’m also a wealth creation specialist. I know that your home is a large piece to your financial puzzle. I co-founded Four Legacies Mortgage with a goal of making a mortgage a part of your overall financial plan. We also want to make sure that your mortgage is managed just as well as your assets. This is why we not only help you PLAN your mortgage, but we also help you MANAGE your mortgage! Before you can ask.. no, the management is free.. it doesn’t cost you anything.
Four Legacies was founded with a passion to educate and promote fiscal literacy. Not only do we offer mortgage planning services with competitive rates and fees, but we offer on-going seminars free to the public!
As one of my mentors in the business once said, “You only think about home financing a few times during your life - we think about it every single day. It’s your home and your future. It’s our profession and our passion. We’re ready to work for your best interest.”
If you’re currently looking for a mortgage, or know someone that is - I’d love to talk with you. I always enjoy answering questions in regards to a mortgage, so don't hesitate to contact me! (Information below)
Cell: 515-991-7102
E-mail: tyler@iowamtg.com
Experience
Latest:
Co-Founder and Wealth Creation Specialist for Four Legacies Mortgage
I am a wealth creation specialist for Four Legacies Mortgage. We specialize in selecting mortgage financing best suited to assist our clients with their short and long term goals.
Even if you currently have a mortgage that is at a stellar rate, we offer mortgage management to monitor market conditions for you at no extra cost.
Contact me for more information or check out my blog at www.wealthwithmortgage.com!
June 2007—present
Previous:
Mortgage Consultant for Iowa Mortgage Professionals
Worked with clients in originating loans. Also, started implementing the mortgage planning practices we built Four Legacies Mortgage on.
August 2003—June 2007
Certifications & Awards
I am a Certified Mortgage Planner (CMP). I've also attended many courses in the categories of real estate taxes, investment real estate, creating wealth through real estate, credit scoring, economics and much more. I find these classes really add value to my day to day work.
Interests
I love music. Many types of music. Live concerts are the best way to experience it. Ask me about the long list that I've been to... There's not enough real estate here to list 'em ;)
I also enjoy traveling. There's nothing better than laying on the beach with the ocean air blowing on you. You never saw the sunburn coming...
I also enjoy traveling. There's nothing better than laying on the beach with the ocean air blowing on you. You never saw the sunburn coming...
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