Jeff understands that buying a home is one of the biggest financial decisions most people will make in their lifetime. That is why it is so crucial to make sure that each homeowner is in the right loan for their particular financial situation. We have all heard and been told that we need to manage our investment assets, but it is equally true that we need to manage our liabilities (debts) as well. The different debt structures we can choose from in our lives can and do have a huge effect on our net wealth over time.