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|[|Give your mortgage an annual once over | |
|p|If the last time you looked at your mortgage was when you closed on your loan, it is time to take it out for an annual once | |
|i|over. New loan programs and opportunities to leverage your home equity can bring you lower monthly payments and new investment| |
|c|opportunities. | |
|]| | |
| |Is an adjustable rate mortgage the best choice for you? | |
| |A few years ago adjustable rates were extremely low. Now that low rate may be adjusting and your payment could be rising | |
| |faster than you expected. Today’s fixed rate loans may be less expensive than your current adjustable rate mortgage. | |
| | | |
| |Are you paying for Private Mortgage Insurance (PMI)? | |
| |There are a lot of new loan programs available that can help you eliminate PMI, even if you have less than 20% equity in your | |
| |home. The monthly savings adds up quickly. This money can be put to better use to help you achieve other short-term and | |
| |long-term financial goals. | |
| | | |
| |Do you have a Home Equity Line of Credit (HELOC) for emergencies? (No closing costs!) | |
| |Many homeowners are making the proactive choice to secure a Home Equity Line of Credit (HELOC) for emergencies. A HELOC is a | |
| |revolving line of credit that only charges interest when you actually draw money from the line of credit. As you repay the | |
| |balance of the draw, the credit becomes available again. Securing a HELOC in advance can be a great help if you have to deal | |
| |with an unexpected expense or decline in income. | |
| | | |
| |How is your credit report? | |
| |The information in your credit report has a huge impact on the rate that you qualify for when borrowing money. It is important| |
| |to periodically check your credit report. | |
| | | |
| |Now it is easy to do. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each credit reporting | |
| |company provide you with a free copy of your credit report, at your request, once a year. To request your free credit report, | |
| |visit . | |
| | | |
| |Is it time to refinance? | |
| |Take advantage of a free mortgage analysis. Determine if the time is right to refinance and take advantage of today’s low | |
| |rates. Call me toll free at 877-895-1792 or visit my mortgage consulting website at . | |
| | | |
| |Thank you, | |
| | | |
| |Bill Brown | |
| |Evergreen Mortgage LLC | |
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