Finding Your Nest!!

How do you find the house that you would like to call Home!  Most of us look on the internet for what is available, and then go and see what it looks like and what the neighborhood looks like.





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Finding your next Nest..

Spring Is Just Around The Corner!!

With Spring being just around the corner, it is time to take a look around us outside.  How and what do you need to do to get ready for Spring and Summer.  The Garden, Deck, Driveway, etc.  Here are some helpful hints for your Deck.




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Deck Repair

When Buying Check Out the HOA Rules..

Is your new home under an HOA?  Here is a brief guideline for your review of the HOA.

Vancouver, Washington.. Take a quick trip

For a quick trip to Vancouver, Washington head to this link.  If you are thinking of moving to the Pacific Northwest and would like to be close to water, skiing, hiking, and like the outdoors, welcome to SW Washington.

http://kamorin.realtyproweb.com/page.php?t=i&p=2&title=Vancouver%20Washington

Pay Yourself First!!

Have you ever wondered, "Just How Am I Going To Get Ahead?".  Well we all do, it is not easy or simple, just systematic...can you give up that coffee, and pay yourself first?  Give up the Manicure and pay yourself first?  Sometimes it is just the little things that we do.

Pay Yourself First

The principle to pay yourself first has been referred to as the Golden Rule of Personal Finance.

The concept is that one of the first checks you write each month is for your own savings. The rationale is that if there is no money left after a person pays their bills, there is nothing to contribute to savings or investments that month.

By establishing a priority to save, a person realizes that the balance of their monthly income must cover living expenses and other discretionary spending. This is a much different strategy than saving what is left over from monthly expenses and other spending.

Many financial experts have likened an amortizing mortgage to a forced savings account because a portion of each payment is applied to the reduction of the principal amount owed. Some homeowners have taken that concept further with a shorter term mortgage to build equity faster.

In the example below, a $250,000 mortgage at 4% interest is compared with two different terms. The 30 year mortgage would have payments of $1,193.54 each month with the first payment having $360.20 being applied to the principal. Each payment would have an increasingly larger amount applied to the principal.

The 15 year mortgage would have payments of $1,849.22 each month with the first payment having $1,015.89 being applied to the principal. The $665.68 difference in payments goes toward reducing the loan amount and acts like a forced savings.

A homeowner might opt for the longer term and intend to put the difference in the two payments in a bank savings account each month or make an additional principal contribution to pay the mortgage down. However, as any person responsible for paying household bills knows, there will always be something that comes up that could hijack your intentions.

By committing to the shorter term mortgage, a borrower is committing to make the higher payment each month and the benefit is that it will reduce your principal balance faster.

Here Comes Spring!!

Bring it on!!  I love Spring and new ideas for the Yard and Garden..

Traditional Landscape by Duvall Landscape Architects & Landscape Designers Le jardinet

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http://www.houzz.com/ideabooks/59862900

Have You Had The Value Of Your Nest Checked Recently?

The Wellness of Your Nest!!

Similar to an annual wellness physical, homeowners should consider an annual review of the financial elements of their home. It’s particularly valuable based on the fact that their home and its equity is generally, one of their largest assets.

• List of similar properties recently sold and currently available
• Information on challenging property tax assessment
• Refinance Analysis to:
  • lower your rate
  • shorten the term
  • make improvements
  • eliminate mortgage insurance
  • remove a person from the loan
  • eliminate credit card debt
  • combine loans
  • take cash out of the equity
• Equity Accelerator to retire the mortgage within a specific period of time
• Repairmen and contractors recommendations
• Information on rental property opportunities

We’d be happy to provide this information at no obligation as part of our on-going commitment to providing homeowner information, both in general and specifically, to our contacts. It is part of a long-term strategy whereby we hope to earn your loyalty and referrals when you do need our services to buy or sell.