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By myfirstcho6600809, Jan 21 2020 06:44PM

In 2020, I’d like to...


*Lower my monthly mortgage payments.


*Increase my monthly cash flow.


*Eliminate the uncertainty of my current adjustable-rate mortgage payments.


*Move into a larger home.


*Purchase income property or a vacation home.


*Remodel my home.


*Stop throwing away rent money and buy a home.


*Add a swimming pool before summer.


*Convert all my high interest debts into one low payment.


*Cash out and pay off medical expenses, buy a new car, take a trip, pay for college tuition or expand my business


ITS EASY

A few check marks and a phone call. That’s all it takes to get the ball rolling.

Remember, even if you’re only “half-way” thinking about moving or refinancing…we’re happy to pencil it all out for you.


CALL today for a FREE consultation…

No cost- no risk- no obligation.


You’ll be glad you did!


By myfirstcho6600809, Jan 13 2020 08:53PM

A New year awaits you! And so do some exciting home loan opportunities!!

IF YOU CATCH UP ON YOUR LATE PAYMENTS. IT WON’T SHOW UP ON YOUR CREDIT REPORT.

FALSE! Each time you make a payment late, you run the risk of the creditor reporting the late payment to the credit bureaus. If you catch up, your credit report must show that you are caught up – but it will also show that you were late. And as a result, your credit score will suffer.

IF YOU PAY A SMALL AOUNT BY THE DUE DATE, IT WILL BE COUNTED AS A FULL PAYMENT.

FALSE! You must pay the minimum amount required by the due date. Otherwise, your creditor may report the payment as late or past due.

BAD DEBTS GO AWAY AFTER THEY ARE PAID!

FALSE! Because credit reports provide a history of your credit, bad debt charge offs, and late payments can stay on your credit report for seven to ten years.

YOU’RE NOT RESPOSIBLE FOR DEBTS ON JOINT ACCOUNTS OR CO-SIGNED ACCOUNTS IF THEY ARE NOT YOUR PURCHASES.

FALSE! Any time you are a joint account owner or co-signer, regardless of whether you’ve paid your share, both parties can be held completely responsible for the payment. It’s important to refinance after a divorce since any late payments on a joint or co-signed account will show up on your credit report.

By myfirstcho6600809, Jan 7 2020 09:32PM

Start the year off right with these money saving tips that can help you save for a better future:


FAST FORWARD YOUR MORTGAGE

Are you willing to sacrifice the small monthly savings you get with your current 30-year mortgage… for the proverbial “pot of gold” at the end of the rainbow? Then you may want to consider replacing your current 30-year mortgage with a 15-year loan.


This restructuring plan could save you thousands in interest charges over the life of your new loan.


Make Extra Mortgage Payments

As a homeowner, you’ve likely heard that making extra mortgage payments will result in big interest savings. It’s true!

Whether you make one extra lump-sum principle payment a year or divide the extra payment over 12 months each year, you SAVE thousands in interest.


For example, if you have a $250,000, 30-year mortgage at a rate in the mid 3% range, by making just one extra payment per year you could save more than $20,000 in interest over the life of your loan!

Call us today and we will help you calculate how much you can save.


Eliminate Private Mortgage Insurance (PMI)

Lenders usually require private mortgage insurance (PMI), if you don’t put 20% or more down on your house. But they often don’t tell you how to avoid PMI or when to stop paying those premiums!

That’s where we come in. We can determine if you are still paying PMI premiums and, if so, whether they can be stopped!


GIVE US A CALL TODAY!


By myfirstcho6600809, Dec 30 2019 06:23PM

If you or someone you know is in the market for a mortgage, perhaps we can help.

Call us for a FREE consultation today!

By myfirstcho6600809, Dec 23 2019 05:51PM

By performing simple home maintenance and taking advantage of technology, you can preserve your investment in your home, fix things on YOUR schedule, and save money in the process!

Leverage the Internet to DIY!

Not so “handy” around the house? Don’t worry. There is no shortage of YouTube videos demonstrating easy home repairs that almost anyone can do.

Energy Efficient Can Save You Money!

Your old washer, dryer or refrigerator may still be working, but older models cost more to run between gas, electric and water bills.

Why not switch out older appliances for newer, energy efficient models. They’ll save you money in the long run.

Shop Insurance Online!

When was the last time you reviewed your homeowner’s insurance policy? It may be time for a new quote.

With just a little online effort, you can compare policy pricing and may find a policy that can save you big bucks.

And Don’t Forget to Bundle!

Many insurance companies offer discounts for combining your home, auto and other insurance.

You can save money by performing those small home repairs yourself.

Remember, if you take care of your home, it will take care of you… for years to come!

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