Steve Heideman

"I would love it if people thought that way, but they don't connect the dots like that," said Steve Heideman, president of United Mortgage Financial Group, a mortgage brokerage firm in Tempe, Ariz.

"I would love it if people thought that way, but they don't connect the dots like that," said Steve Heideman, president of United Mortgage Financial Group, a mortgage brokerage firm in Tempe, Ariz.

The more transparent the process, the more people will be able to make informed decisions," says Steve Heideman, president of the Upfront Mortgage Brokers Association.

He thinks the openness fosters trust and helps customers feel they can discuss a variety of loan programs.

"This is wonderful, especially with where the prime rate is right now," said Stephen Heideman, executive director of the Upfront Mortgage Brokers Association, a group whose members advocate full and early disclosure of mortgage fees.

Online Resource Helps Canadians Find Top Mortgage Brokers

Steve Heideman / President - United Mortgage Financial Group

"A Social Media Success Story" - Steve shares his experiences in the Internet, social media splace and what others might expect as they begin the same journey.

Steve Heideman is a nationally recognized expert on debt planning, capital markets and commercial real estate.His expertise and opinion are frequently sought from a variety of media sources including The Wall St. Journal, The New York Times and Money Magazine.Steve is currently the real estate finance "guru" for filife.com a financial advice website that was born from a partnership between two established companies, Dow Jones (publisher of The Wall Street Journal) and IAC (the internet company behind LendingTree, Match, College Humor and others).

KFNX-AM Phoenix, AZ ("Talking Dollars and Making Sense") Steve Heideman, host

"This is wonderful, especially with where the prime rate is right now," said Stephen Heideman, executive director of the Upfront Mortgage Brokers Association, a group whose members advocate full and early disclosure of mortgage fees....

Steve Heideman - President, United Mortgage Financial Group Inc.

Steve Heideman
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Steve employs the standard UMB contract with borrowers which identifies his fixed mark up over wholesale rates.
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Steve offers a Rate Float-Down Option.For ¼ point paid in cash when the loan is locked, Steve agrees to drop the mortgage rate by .125% if the 1-year Treasury bond yield drops by .15% or more, and by .25% if the bond yield drops by .3% or more.If the mortgage rate is not changed under this provision, Steve will credit your ¼ point fee back to you at closing
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Steve Heideman is a nationally recognized expert on debt planning, the mortgage market and real estate.His expertise and opinion are frequently sought after by such publications as Kiplingers Personal Finance, The Wall St. Journal, The New York Times, Dow Jones Market Watch and many others.Recently, Steve was asked to give his input to the consumer protection regulation at the Federal Reserve Board of Governors in Washington DC for hearings on abusive lending practices.

Steve is the President of United Mortgage Financial Group, Inc. a residential mortgage company and Heideman Capital Advisors a commercial and investment real estate capital strucuring firm located in Tempe, Arizona.Steve's passion and his privilege is to help American homeowners, business owners and real estate investors create asset optimization strategies that maximize liquidity, minimize tax burdens and ultimately enhance lifestyle.Steve has a knack for helping his clients achieve clarity, vision, and focus by working closely with a wide variety of professionals germane to the project.

Steve was the 19th mortgage professional in the nation to earn the coveted Certified Mortgage Planning Specialist (CMPS) designation.This certification was awarded after Steve was able to demonstrate his financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies both residential and commercial.Steve is serving on the PR committee for the Financial Planning Association of Greater Phoenix.Steve has also become a candidate member of the CCIM Institute.He is pursuing the Certified Commercial Investment Member (CCIM) designation conferred by the organization.
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Steve is honored to be serving as the National President of the UpFront Mortgage Broker Association (UMBA).This non-profit association was formed by the esteemed
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Steve was hand picked by Professor Guttentag from a list of 100's of
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For 2 years, Steve was the host of "Talking Dollars and Making Sense" for Phoenix's KFNX 1100 AM news/talk radio station.
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Steve has taken a sabbatical from the terrestrial radio medium to focus on the burgeoning social media of blogging and podcasting on the internet.Steve is currently the real estate finance "guru" for filife.com a financial advice website that was born from a partnership between two established companies, Dow Jones (publisher of The Wall