Archive for Home Care

Jun
01

Fire Prevention Tips

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Nearly half a million structures, including homes, burn down across the US each year.  Each has a unique story explaining the cause of the fire.  Many could have been prevented with more vigilance or better home maintenance.   Sean Lissarrague with American Family Insurance in Chandler  (480-759-4102 ) graciously offers this quick safety list to remind us all to be safe and prevent home fires: 

Categories : Home Care
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May
18

Ways to Pay Off Your Mortgage Faster.

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It used to be that people would buy a house for cash or a loan with a much shorter payoff schedule than today’s typical 30 years.  The house would stay in the family and get passed on through generations.  Today – the average time spent in a house before selling it is 10-13 years.  Paying off the mortgage is still a goal many have.   Here are a few tips to help pay off that huge debt:

  1. Make an extra payment each year, by paying a little extra each month, or a full extra payment once a year.
  2. Setting up a bi-weekly payment will accomplish an extra payment a year.
  3. If you can’t make a full extra payment a year, even a little extra every month will help shave your principle.
  4. Sometimes refinancing can reduce the interest rate, thereby reducing the payment, making it easier to pay extra.
  5. Refinancing to a 15-year loan does wonders.   Look at ways to shave other expenses to enable a larger monthly payment.    If you do want to consider refinancing, carefully look at the numbers to make sure the expense associated with refinancing is worth it in the long run.

A good lender can help you decide and let you know your options.   Just ask – I can recommend a few trusted ones.

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Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®

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