After having a long discussion with our investment account manager, Mark Rowley of Edelman Engines. Mark discussed with Vanessa our circumstance, and we received a call from Vanessa Toro's team at Modern Mortgage Advisors, to see if we could come up with a plan to to our life-changing event regarding our long term goals going into retirement. Modern Mortgage Advisors, and their affiliates take into account that they're helping people and their families, not just the profitability of a mortgage loan. Here's to Vanessa Toro, and Modern Mortgage Advisors teammates, Mark Rowley of Edelman Financial Engines.

I've working with the folks at MMA for a few years now and have received nothing but excellent service from all the individuals there. Their professionalism are "hands down" the best, and the advice given is second to none. They treat you like family! I've done a mortgage and 2 refinances with them and each time, I'm never disappointed.

Vanessa helped me successfully work with my loan servicer to remove my mortgage insurance, saving me over $200 per month. She also guided me through removing my escrow account, which made tremendous financial sense and gave me more control over my monthly budget. Beyond the immediate savings, Vanessa educated me on how to strategically reinvest those mortgage savings and leverage them as part of my long-term retirement planning. Her guidance truly changed the way I view my mortgage—as a financial tool, not just a payment.