I used to sit on your side of the table.
Think of me when...
Your client has significant assets but limited income on paper. Their CPA did exactly the right thing with their taxes and now the mortgage lender can't figure them out.
Your client is approaching retirement and their home equity is their most underworked asset.
Your client wants to buy without liquidating the portfolio.
Your client was told no somewhere else and came back to you asking what to do next.
That's the call. That's when you text me.
WHAT YOU CAN EXPECT PARTNERING WITH ME
YOUR CLIENT. ALWAYS.
Every referral comes back to you. I don't cross-sell, I don't pitch financial products, and I don't build a relationship that competes with yours. My job is the mortgage. Yours is everything else.
YOU'LL BE IN THE LOOP.
We stay in touch throughout the process because smooth transaction reflects well on both of us. If something comes up I tell you before your client does.
I MAKE YOU LOOK EVEN SMARTER THAN YOU ARE.
When you refer a client with a complicated situation and they close, you get the credit. That's the point. The best referral relationships I have started with one phone call and a complicated file nobody else could figure out.
I SPEAK YOUR LANGUAGE
Years in financial planning means I understand how you think about income, taxes, and portfolio strategy. I'm not going to recommend something that undermines your advice. If there's tension between the mortgage structure and their financial plan, we talk about it before anyone does anything.
WEBINAR
FAQs
Can you work directly with my client's other professionals?
Absolutely! For complex situations, a brief three-way call with you, your client, and me often saves weeks of back-and-forth. I'm comfortable being part of the planning conversation from the start, not just brought in at the end.
What if the mortgage strategy conflicts with your advice?
Then we talk about it before the client does anything. I'm not going to recommend something that undermines their financial plan. That's the FA background working — I look at the whole picture. If there's a tension between the mortgage structure and the investment or tax strategy, we figure it out together.
Do you have experience with reverse mortgages in a planning context?
Yes and it's one of my specialties. I'm familiar with the research on the HECM line of credit as a retirement income tool and can present the analysis in a way that's consistent with how you talk to clients about sequence-of-returns risk, portfolio longevity, and Social Security timing. I'm happy to be introduced to skeptical clients with data, not a sales pitch.
How do you handle confidential client information?
The same way you do. Client information is used only for their loan file — never shared, never sold, never used for marketing purposes. I'm a licensed professional operating under the same ethical obligations.
Will you ever pitch my client on other services?
No. My job is the mortgage, full stop. I don't sell insurance, I don't manage investments, and I don't position myself as a financial advisor. When your client closes, they go back to you. That's the relationship and I intend to keep it that way.
How do I refer someone?
Text or call me directly 865-424-7997. Give me a one-line summary of the situation and I'll tell you within the hour whether I can help and what the likely path looks like. No forms, no intake process, just a real conversation. If you want to do a quick three-way intro call with your client I can usually make that happen same day or next.
Let's Connect.
A 20-minute Zoom. I want to know about your business and the clients you work with.
We'll figure out if there's a fit.
Roxy Miles
NMLS#2464939
Complex income specialist.
Former financial advisor.
865.424.7997
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