A longtime San Diego resident, Eric R. Union believes in the value of real estate in this area, and is committed to helping his clients utilize their appreciation fully and to maximize safety, liquidity, and rate of return. While most mortgage companies are transaction-focused, in contrast Union West Financial looks at his customer’s entire financial picture and then gives specific advice to optimize the entire debt side of the balance sheet.

All of this great financial advice comes from a very centered place: Eric is living a purpose-driven life with the specific goal of helping reduce the financial stress in people’s lives which is the leading cause of marital failure and family breakdown. His mission is to help people become financially bullet-proof and on a wealth growth path leading to true financial independence.

The opportunity for San Diegans lies in the extraordinary appreciation of their real estate. It would take decades to save the amount of money over and above covering normal expenses that most people have realized in a few years of real estate appreciation. The cornerstone of Eric’s financial advice is to safely and prudently reposition the equity in his clients’ homes to invest in other low-correlating asset classes, thus creating greater diversification. The net result is having multiple income-earning assets on a balance sheet, rather than having only a personal residence as the major asset.

Union West Financial, located in scenic Carmel Valley, is a boutique mortgage planning practice. Staffed by professionals averaging over 40 years combined experience in the financial industry, Union West creates a unique multi-year financial plan for each client. Union West creates a unique client experience where highly-trained mortgage professionals focus on understanding each client’s unique short- and long-term financial goals and then recommends the optimal financial instrument (mortgage). Society trains us to focus on interest rate and closing cost on mortgages. While these are important, the most crucial variable determining whether financial goals are obtained is what percentage of a property should optimally be financed.

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Union West Financial (Team Union, Inc.) is licensed in California #01421293 with the Department of Real Estate.