Paying Your Mortgage Off Faster!
Many people say it is a matter of personal finance but paying your mortgage off faster is just plan good old common sense. Plus owning your home outright might be the best feeling you can ever really have. So we have developed a list of what our experts say are the top five ways to pay off your mortgage faster. 1.) Refinance Your Mortgage: Refinancing your mortgage is probably the most effective way to pay down your mortgage faster. There are multiple ways that you can refinance your mortgage from shortening the length of the loan to lowering the interest rate on the loan. Just be sure to check with a mortgage professional to find the refinancing method that fits your situation best. 2.) Make Bi-Weekly Payments: Switching from monthly payments to bi-weekly payments can be a great way to help you pay your mortgage off faster without adding too much stress to your life. When you make monthly payments you make 12 payments a year and with a bi-weekly system because there are 52 weeks in year you end up making 13 payments a year. Which experts say can cut off about six years from a thirty-year mortgage. 3.) Just Pay More Each Month: Paying more than required each month is a great way to pay your mortgage down faster. Just impose some self discipline and each month...
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Don’t Interfere With Your Home Selling!
Selling a home is typically one of the largest and most important experiences a person goes through and getting it sold is hard enough without you interfering with it. We don’t want you to be the person who makes the mistake of interfering with their home selling, so here is a list of the top ways home sellers get in the way with their home selling. 1.) Selling Before You Are Ready: The thought of selling your home can be very exciting and even thrilling but trying to sell before you are completely ready to sell can be very dangerous. Before you jump the gun and try selling your home before you are truly ready, consider sitting down and really thinking everything through one more time maybe even doing it with your family and friends. 2.) Neglecting To Make Repairs: Neglecting to make any necessary repairs that your realtor or home inspector has told you need to be made is a huge mistake that could interfere with your home selling. It is understandable that you want to spend as little money and effort on a home you will no longer live in but it is extremely important that you listen to the professionals and make any necessary repairs. 3.) Hiring The Wrong Real Estate Agent: The knowledge and experience of your real estate agent will be needed throughout the...
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Top Five Home Improvements For Return On Investment!
As we are seeing the housing market continue to improve we are also seeing a turnaround in remodeling and home improvement projects. As a homeowner you understand the importance of every cent you put into your home. That is why we have developed a list of the top five home improvement projects when it comes to the return on your investment. 1.) Upgrade Your Kitchen: Upgrading a kitchen is always a great idea and this type of home improvement requires special attention. The kitchen is the hub of home and upgrading it will pay off for sure when done correctly. The kitchen is the first place in your home where you should start investing your money because an upgraded kitchen tends to be the first thing potential buyers look for. 2.) Add Or Upgrade A Bath: Typically, adding or upgrading a bath will pay off nicely when you go to sell your home as long as its done right. Aspects and elements that experts say are the most popular in a new or upgraded bath include abundant storage, natural light, and ceramic tile. However, be sure to consult an expert before you proceed with this type of home improvement. 3.) A Fresh Paint Job: Very few home improvements can transform a home and deliver so much appeal as a fresh new paint job. This is true for both the...
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The Homebuyer’s Home Inspection!
Sometimes just the words “home inspection” will send shivers down a homebuyer or seller. However, if you are a homebuyer it is imperative that you consider utilizing this homebuying tool. So if you are looking to buy a home, here are some great answers to many common home inspection questions. 1) What Is A Home Inspection? – A home inspection is a complete and in-depth examination of the current condition of a home. An inspection will only tell you the condition and potential issues of a home not its value. Your inspection should only be done by a trained and certified professional. 2) What Does A Home Inspection Include? – A standard home inspection report will include the information on the current condition of the heating system, central air system, electrical, plumbing, roof, attic, foundation, walls, ceilings, basement, structural, and even the windows and doors of your home. 3) How Much Will An Inspection Cost? – Much like home prices the cost of a home inspection will vary geographically and can also be affected by a variety of other things like the home’s size and age. Plus any other services requested such as well, septic, or radon testing. 4) How Do I Find The Right Home Inspector? – There are a variety of ways that you can go about finding a home inspector. A good place to start is...
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Boost Your Curb Appeal With These Tips And Tricks!
Your home’s curb appeal is crucial when it comes to attracting potential buyers. Your curb appeal is what develops the first impression your potential buyers will have about your home and you want it to be the best impression it can be. So here is a list of six great pieces of advice sure to help you create some very desirable curb appeal for your home. 1.) Freshen Up Your Front Door: Your home’s front entry is the focal point when it comes to curb appeal. Freshening up the front door is a great way to make a statement and improve your homes overall appeal. The entry should also reflect the interior so choose a swag or wreath that compliments its interior. 2.) Swap Out Old Hardware: A quick and easy fix when it comes to curb appeal is to swap out your old hardware. This can also be a fun way for you to add some style and appeal to your home. Consider swapping everything out from the overhead light fixtures to the lockset in your door. 3.) Give Your Mailbox A Makeover: Your mailbox should compliment the style and feel of your home. If yours doesn’t consider giving it a makeover to improve your curb appeal. Consider planting similar flowers from around your home around your mailbox to really tie them together nicely. 4.) Incorporate Some Outdoor...
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Mortgage Advice!
Buying a home is one of the most important things a person will ever do in their lifetime and unless you plan on paying cash you will need a home mortgage loan to help you pay for it. So here is a list of five pieces of advice that will help you make it through your home mortgage experience successfully. 1.) Be Sure Your Credit Is Golden: Credit standards are extremely tight currently and so it is very important your credit is as good as it can be. In order for you to get the best possible interest rate for your home loan it is crucial that you are sure your credit is golden and then keep it that way until you close. 2.) Document Your Finances: It is critical that you document your finances because lenders are extremely diligent these days when it comes to underwriting home loans. This is due to new rules and regulations that pressure mortgage lenders to verify borrowers have the ability to repair their loan. 3.) Get Pre-Approved For Your Loan: It is imperative that you get pre-approved for a loan. Not only does this help you better understand what you can afford in a home, most sellers won’t even set up a showing unless you have been pre-approved for a home loan already. 4.) Be Careful Until You Close: You may have...
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