Monday, 20 February 2017
Spring Cleaning Checklist
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Wash Windows - Inside and Out

Dust your home thoroughly (shelves, tabletops, dressers, ceiling fans, above kitchen cabinets, baseboards, doorways and pictures)

Wash out all trashcans - Inside and Out

Move all furniture away from walls and clean underneath

Deep clean your floors 

Clean all upholstered furniture (don't forget underneath cushions)

Clean inside refridgerator

Self clean your oven

Organize pantry throw away all expired food

Scrub your shower

Vinegar removes hard water scale and mildew

Vacuum and rotate matresses

Switch out cold weather clothing for warm weather clothing

Sweep porch & deck as well as doors & windows to remove cobwebbs & debris

Wash all outside furniture

 

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Posted on 02/20/2017 1:21 PM by Shannon Taylor
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Monday, 13 February 2017
Ways to pay off your mortgage early
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Each time you pay extra on your mortgage, more of each payment after that is applied to your principal balance. Here are some options for paying extra and examples of how extra payments will affect the average $220,000, 30-year mortgage with a 4% interest rate:

  • Make an extra house payment each quarter, and you’ll save $65,000 in interest and pay off your loan 11 years early.
  • Divide your payment by 12 and add that amount to each monthly payment or pay half of your payment every two weeks, also known as bi-weekly payments. You’ll make one extra payment each year, saving you $24,000 and shaving four years off your mortgage.
  • Round up your payments so you’re paying at least a few extra dollars a month.
  • Increase your payment when you get a raise or bonus.

Always check with your mortgage company before you make additional principal payments. Some companies will only accept extra payments at specific times, or they may charge prepayment penalties. And always make sure the additional money is applied to the principal and not next month’s payment.

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Posted on 02/13/2017 10:43 AM by Shannon Taylor
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Monday, 6 February 2017
Interest Rates
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The rate you'll receive on a mortgage depends on several variables: your credit score, the loan type, loan amount, points, location and down payment. And when it comes to mortgage products, the shorter the loan term, the less you'll pay in interest over the life of the loan. Longer loans - like 30-year fixed-rate mortgages, for example - typically come with higher rates and steeper interest costs. But the monthly payments are lower than for shorter-term products, like 15-year loans. A 30-year loan will cost less each month than a 15-year mortgage with the same loan balance because the payoff horizon is spread over 15 more years. The type of loan product you choose will depend on what you can afford monthly in principal, interest, property taxes, insurance and other costs.  We would love to help you with your next home sell or purchase!

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Posted on 02/06/2017 12:57 PM by Shannon Taylor
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