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"Lawrence's outstanding service helps me and my clients. From the simplest mortgage to the most difficult loan, Lawrence has completed the task. He is a true professional."

Anthony DeGregorio Jr., CFP®

"Buying a home - the amount of time and money you're investing - can be scary. Nick breaks it all down into an easy and understandable format. He's very professional and upfront."

Jeremy Starkweather

"I've referred at least half a dozen co-workers and friends to Lawrence, and that says a lot. I think the world of Lawrence - his advice and insight is excellent."

Paul Hidar

"Nick's at the top of his game. Working with him and Team Montani made my first home-buying experience hassle free. I already recommended him to other family and friends."

Mike Devlin

"I'm a real estate investor, and I worked with Lawrence to buy an investment property. He came up with an idea that saved me a substantial amount of money."

Garrett Henderson

"My clients all love Nick Rosetti from Team Montani. He makes them feel like they're his only clients. He takes the time to speak with everyone and gets to know their situation. He really cares!"

Angela Georgalas, Realtor

"Nick Rosetti is the only mortgage professional I frequently recommend. My siblings, parents, and most of my friends have used or are using Nick."

Mike Emmert, Title Agent

"I was so impressed by Lawrence I knew there was no need to shop around. He's so knowledgeable, he's more like a financial advisor, helping you do or afford things you never dreamed were possible."

Paula Mako

"I refinanced my house and bought a vacation home in the last month. Working with Nick Rosetti was great! It was a complex situation, and he made me feel very comfortable."

Nicole Newman

"Nick is great. He keeps me up to date on the clients we have in common. He's quick to respond and always stays in communication."

Mary Alice Goss

Strategies To Jumpstart Financial Security

Home > Resources > Strategies To Jumpstart Financial Security

NJ Mortgage Lender Suggests Strategies To Jumpstart Financial Security

If you’ve put off saving for retirement or your child’s college education, the time to start is now, says Lawrence Montani of Team Montani, one of Monmouth County, NJ’s leading mortgage lenders.

Thanks to the magic of compounding, even procrastinators can make their money grow – and find ways to leverage their financial position for maximum return. But where to find the money to save?

Montani suggests cutting the small daily expenses that rapidly add up – from expensive coffee to eating lunch out – and try using cash instead of credit cards.

Despite the softening U.S. real estate market, tapping home equity might also be a viable option for increasing savings. Says Montani, “When you consider that individuals over the age of 50 can contribute over $20,000 per year to a 401k account, it could make sense to leverage your home equity for this purpose.”

The same advice goes for new home buyers. Montani counsels clients to look at their “big picture” financial goals, rather than viewing a mortgage as a stand-alone decision. “Contrary to most people’s thinking, the largest possible downpayment is not always the wisest course of action. It’s a matter of allocating funds for the best possible return to achieve your personal financial goals.”

Every situation is different, so talk to a financial professional who can help you explore your options. “You can’t roll back the clock,” says Montani, “but you can take steps now that will make a substantial difference later on.”

Larry Montani and Team Montani lead the way as one of New Jersey’s most respected mortgage bankers, with more than 80% of its loans written for repeat customers and the friends and family they refer. Team Montani is known for its refreshingly different approach to mortgages – combining experience with responsiveness to eliminate much of the stress generally associated with the mortgage process.