refinance: Tips for Saving Money - 06/05/08 06:51 AM
We can all follow these tips for saving on expenses. I hope you find them immediately useful. You may want to share them with your friends and family.
Buy in bulk whenever practical and possible.  Never buy extended warranties or service contracts. Buy a used car that's almost new for a fraction of the original sticker price. Shop alone for grocery/household goods and take a list. Be a comparison shopper. Never shop when you're hungry, bored, or down in the dumps. It can cost you plenty! Take advantage of coupons, rebates and mail-in offers. Wait for the sale. Everything goes … (4 comments)

refinance: Confused about Mortgage Insurance? - 05/29/08 04:50 PM
  I want to help you compare borrower-paid mortgage insurance (BPMI) and lender paid mortgage insurance (LPMI) because soon you may be faced with choosing between them.

 Your choice could depend on several factors. The key questions to ask yourself are...
•    How long do I expect to remain in this house and this loan?                         
•    What kind of appreciation can I expect?
Give me a call at 386-627-1348 so we can determine the best type of mortgage insurance for you.
Click here for your FREE information.
There is no cost or obligation to have a mortgage consultation. … (0 comments)

refinance: Should you refinance now? - 05/22/08 06:25 PM
From my experience, most people refinance their current mortgage to save money or to get out of adjustable-rate mortgages into a fixed rate. Refinancing is like making an investment. You need to balance the cost of refinancing with the amount of interest you save over time. The savings are really your return on investment from refinancing. 
With zero point and no-cost refinance programs, the cost of refinancing can be eliminated as a consideration. However, the trade-off with most of these creative finance programs is paying a somewhat higher interest rate.
When your primary motive is to save money by refinancing or … (3 comments)




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