There are probably a lot of reasons that you invested in a home: security, stability, the benefits of accruing equity—and, of course, the pride of ownership.
But how much are you spending each month in relation to your mortgage? If you’ve been paying your mortgage on time each month, there’s a good chance that you’re eligible to profitably refinance your home—and receive the benefits of lower mortgage payments.
Allow me to introduce myself! My name is [NAME], and I am a full-service mortgage broker in your area. I’d like to get together with you to discuss your options for refinancing; together, I know that we can achieve a fantastic new loan that will save you money—now, and in the future!
As your broker, I will ensure that you are fully informed as to your best possible options, and I will advise you accordingly. You can trust that I will make every effort to make the refinancing process a success.
Give me a call today at [PHONE], or visit my Web site at [WEB ADDRESS] for more information about refinancing.
The purchase of a new home is so much more than the accumulation of property—it is an investment in your future. You’re a hard-working individual, and you deserve to get the most out of your money—and that’s exactly what financing a new home can do for you!
I would like to introduce myself; my name is [NAME], and I am a mortgage broker in your area. I have worked with hundreds of people such as yourself to achieve affordable and satisfactory mortgages, and now I’d like to offer my services to you as well.
Financing a home doesn’t have to be a complicated procedure, if you have the right professional to guide you through the process. You have my personal guarantee that you will receive unparalleled guidance and advice throughout the entire process.
More importantly, I will present to you the best options that are available—and I will never advise you to enter into a loan that is beyond your means or comfort level.
Let’s talk more about this in person; give me a call at [PHONE], so that we can discuss your options. After all, it’s time for you to start investing in your future!
I look forward to serving you!
Many thanks for expressing an interest in my services. I realize there are numerous agents you might have chosen so I greatly appreciate the opportunity to fulfill your insurance needs. I would consider working with you to achieve your goals both an honor and a privilege.
Feel free to contact me anytime at [PHONE], or visit my Web site at [WEB ADDRESS] for more information.
I truly look forward to fulfilling all of your insurance needs!
This is just a quick reminder that our appointment is scheduled for [TIME] on [DATE] at [LOCATION].
I appreciate the time you have set aside for me, and I am very much looking forward to our meeting.
Should you find it necessary to reach me prior to our appointment, my number is [PHONE] or you may email me at [EMAIL].
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Home And Garden Articles
A Homeowner’s Toolkit
Attracting Birds To Your Backyard
Backyard Summer Entertainment Ideas
Build Your Own Deck – Choosing The Right Material
Building A Home Theater
Can A Bathroom Remodel Increase Your Home’s Value
Childproofing Your Home
Choosing The Best Lighting For Your Space
Clean Your Home In 15 Minutes A Day
Cleaning Tips And Tricks
Cut Your Cooling Costs With These Money-Saving Tips
De-Clutter Your Kitchen
Decorating For Men – Creating A Man-Friendly Space
Decorating For Small Spaces
Decorating Ideas For Boys’ Rooms
Decorating Ideas For Girls’ Rooms
Decorating With Plants
Defining Distinct Spaces In A Large Room
Do-It-Yourself Pest Control Tips
Family Three-Day Home Emergency Kit
Garage Sale Tips And Tricks
Getting Your Garden Ready For Winter
Give Your Front Porch A Style Makeover
Give Your Old Furniture New Life
Green Laundry Tips – Save Money And The Environment
Hanging Pictures 101
Home Safety Tips
Home Security Tips
Home Theater Tips And Tricks
Hot Decorating Tips
Hot Tub Purchasing Tips
How And When To Prune Roses
How To Care For Your Lawn
How To Choose The Perfect Grill
How To Start A New Garden
How To Successfully Set Up A Freshwater Aquarium
Ideas For Organizing Your Garage
Is A Pool Right For Your Property
Kid-Friendly Décor Adults Will Love
Landscaping Design Tips
Maintaining Air Quality In Your Home
Maintenance Tips For Your Home
Make Gardening A Family Affair
Mood Lighting With Tiki Torches
Patio Decor Ideas
Pet Safety In Your Home
Quick Décor Updates On A Budget
Safety Tips For Barbeque And Grilling
Sealing Your Windows And Doors Against Leaks
Setting Up A Home Office
Simple Ways To Add A Splash Of Color To Any Room
Solar Lighting For Your Yard
Start A Kitchen Herb Garden
Storage Ideas For Outerwear
Storage Solutions For Your Child’s Toys
Strategies To Reduce Dust In Your Home
Swimming Pool Safety Tips
Ten Most Forgotten Items During A Move
Ten Things Every Gardener Should Know
The Best Ways To Reduce Your Water Bill
The Earth-Friendly Cleaning Products In Your Pantry
The Latest In Window Treatments
Tips For Choosing New Flooring
Tips On Saving Energy And Money At Home
Tips On Setting Up Your Outdoor Music System
Tips To Make Your Move Easier
Top Five Ways To Ruin Antiques
Unclutter Your Home In Ten Easy Steps
Use Flowers To Add Color To Your Home
Using Bright And Bold Paint Colors
Using Your Fireplace Safely
Water Features For Your Yard
Watering Your Lawn The Right Way
Ways To Make Your House Smell Good
Ways To Reduce Your Heating Bill
Your Home First Aid Kit – Ten Must Haves
Home Buying Articles
A Home For All Seasons – Year-Round Considerations
A Nice Home Or A Nice Neighborhood – Which Matters More
A Single Woman’s Guide To Homeownership
Benefits Of Home Ownership
Buying A Fixer-Upper – Are You Ready For The Work
Buying A Foreclosed Property – What You Should Know
Buying A Home Long Distance
Buying A Home That Can Grow With Your Family
Buying A Home With Bad Credit
Buying Verses Renting A Home
Buying Your First Home
Choosing A REALTOR You Can Trust
Crime Statistics – What You Need To Know About Your New Neighborhood
Earnest Money Deposit
Examining A Home Objectively – What Matters And What Doesn’t
Finding A Neighborhood With Great Schools
Finding Your Perfect Home
Getting To Know The Neighborhood Before Buying A Home
Hiring A Home Inspector
Home Buying Checklist
Home Buying Negotiating Tips
Home Listing Terms To Know
Homeowner’s Associations – What You Need To Know
How Much House Do You Need
How Much Yard Do You Need
How To Handle A Bidding War
How To Handle A Motivated Seller
Is An Income Property Right For You
Making An Offer – Negotiating Your Buying Price
Negotiating Contract Contingencies From The Seller
Neighborhoods Undergoing Revitalization – Risks And Benefits Of Buying
Recognizing Risk Factors In A Property
Selecting Homeowners Insurance
Should You Consider A Condominium Or Townhome
The Perks Of New Construction
Things Needed After Purchasing A Home
Things To Consider About A Home’s Location
Things To Consider When Downsizing To A Smaller Home
Things To Take With You House Hunting
Tips For Finding Kid-Friendly Neighborhoods
Understanding Buyer Closing Costs
What A REALTOR Can Do For You As A Buyer
What Is A Property Survey What To Consider Before Buying An Older Property
When To Consider Raising Your Home Buying Budget
Home Selling Articles
Are Your Neighbors Affecting Your Home’s Value
Avoid The Most Common Mistakes When Selling Your Home
Choosing A Selling REALTOR
Choosing The Right Listing Agreement
Closing Costs – Should You Agree To Pay Them
Creating Curb Appeal
Eight Things To Consider Before Listing
Five Steps To Holding A Successful Open House
Five Things You Should Put In Storage While Selling Your Home
Getting Your Home Ready To Sell
Home Seller Disclosure Obligations
Home Selling Checklist
Home Staging – Should You Hire A Professional
How Long Should You Keep Your Home On The Market
How Often Should You Hold An Open House
Negotiating With A Buyer
Pricing Your Home To Sell
Protecting Your Privacy While Your Home Is On The Market
Quick Clutter Fixes For Unexpected Showings
Quick Low Budget Fixes That Can Help Sell Your Home
Repairs To Make Before Selling Your Home
Sell Or Remodel – Which Is Right For You
Sell Your Home Fast – Five Tips To Get A Fast Sale
Selling A Home When You Have Kids
Selling A House With Pets At Home
Selling An Income Property – Things To Consider
Selling From A Distance
Selling Your Home – Why You Need A REALTOR
Selling Your Home During The Holidays
Selling Your Home In A Buyer’s Market – How To Maximize Your Profit
Short Sales – What They Are And How They Work
Should You Be Present During Showings
Should You Show An Empty Home
Simple Ideas To Make Your Home More Welcoming To Buyers
Staging An Open House That Won’t Cost You A Fortune
Ten Tips To Successfully Market Your Home
The Downside To A Sale By Owner
The Home Remodels That Will Most Increase Your Selling Price
Tips For Your Listing Photographs
Top Ten Home Showing Tips
What Are Lockboxes
What Season Is Best To Sell
When Is The Right Time To Reduce The Price
When Should You Accept A Low Bid
When To Cancel Your Homeowners Insurance
A Reverse Mortgage – Is It Right For You
All About Home Equity Loans
Applying For A Joint Mortgage Loan With Your Spouse
Avoiding Mortgage Fraud
Balloon Payments – What They Mean To You
Bridge Financing – What Is It
Buying A Home With Past Credit Problems
Calculating Your Monthly Mortgage Payments
Can You Buy A Home With No Down Payment
Common Home Financing Terms Explained
Do You Really Need A Broker
Equity And Refinancing
FHA Loans – What They Are And Who Qualifies
Financing For New Construction
Finding A Mortgage Broker
Finding The Best Fit For Your Mortgage
Finding Your Credit Rating
First Time Buyer Loan Tips
Fixed Mortgage Vs. Variable Rates – Which Is Right For You
Getting A Second Mortgage
How Much Can You Afford To Finance
How Much Cash Will You Need To Close
How Much House You Can Afford
How To Buy A Home With A Low Down Payment
Improving Your Credit To Get A Loan
Insurance / Property Taxes – Should You Add Them To Your Mortgage Payment
Interest Only Loans – What You Should Know
Negotiating An Owner Financing Purchase
Paying Off Your Mortgage Faster
Protect Yourself From Unexpected Mortgage Loan Adjustments
Recognizing Predatory Mortgage Lenders
Refinancing After Divorce
Shopping For The Best Home Loan
Step-By-Step Guide In Obtaining A Home Loan
Taking Advantage Of Low Interest Rates – Should You Refinance Your Mortgage
The Advantages Of Pre-Approval
Things You Need When Applying For A Home Loan
Tips For Getting Your Down Payment Faster
Tips For Qualifying For A Better Interest Rate
Types Of Home Loans
Understanding Interest Rates
Understanding The Closing Process
What Are Jumbo Loans
When You Should Consider Applying Singly Instead Of Jointly
Why You Should Avoid Subprime Lenders
Will You Qualify – What You Need To Get A Mortgage
A Mother’s Day Menu Your Kids Can Prepare
A St. Patrick’s Menu That Your Guests Will Enjoy
Budget Christmas Gifts For Teachers
Celebrating New Year’s With Young Children
Christmas Decorating Ideas
Christmas Light Safety Tips Christmas Morning Meals
Create A Romantic Dining Room For Valentine’s Day
Create A Spooky Yard For Halloween
Create Kid-Safe Jack O Lanterns
Creative Ways To Say I Love You On Valentine’s Day
Decorating For Christmas The Green Living Way
Decorating For Thanksgiving Using The Bounty Of The Season
Decorating For The Fourth Of July – Show Your Patriot Pride
Easy Easter Decorating Ideas
End Of Summer Labor Day Getaway Ideas
Fabulous Homemade Halloween Costumes
Father’s Day Gift Giving Ideas He’ll Love
Fun Father’s Day Surprises For Dad
Halloween Safety Tips
Hanukkah Decorating Ideas
Have Some Fun With Easter Eggs
Healthy Valentine’s Treats
Holiday Meal Ideas You Can Prepare Ahead Of Time
Homemade Christmas Decorations
Host A Chinese New Years’ Party
How To Host A Fun And Safe New Year’s Party
How To Make The Fourth Of July Fun For Kids
Indoor Egg Hunts For Rainy Easters
Is A Real Christmas Tree Right for You
Memorial Day Picnic Menu Ideas
Mother’s Day Brunch – Decorating And Menu Ideas
New Year’s Eve Decorating Ideas
Planning A Fun Fourth Of July Block Party
Planning The Perfect Easter Egg Hunt
Planning The Perfect Memorial Day Barbeque
Preparing Your Home For Holiday Guests
Safety Tips For Fourth Of July Fireworks
Simple Mother’s Day Crafts Kids Can Make
St. Patrick’s Day Ideas For Family Fun
Thanksgiving Menu Ideas
The Right Christmas Wreath For Your Front Door
Tips For The Perfect Turkey
Valentine’s Day Crafts For Kids
Veteran’s Day Ideas For Kids
Ways To Thrill Mom On Mother’s Day
See sample articles below.
Finding the perfect home is a task, but shopping for the best home loan can be even more tedious. With so many lenders promising low rates, closing costs and little or no down payment requirements, it’s often difficult to know which way to turn. Luckily, there are several steps that you can take to find the right lender for your individual needs.
Assess Your Situation
Do you know what your credit score is? If not, you should. Most lenders rely on this triple digit number to determine both your creditworthiness and interest rates. If you have excellent credit, you can probably work with almost any lender. If you have severe blemishes in your financial past, however, finding the right lender may require a little more footwork.
How much money do you have for a down payment? If you are on a budget, you will need to choose a lender that can help to get you into a home with a minimal down payment. Knowing where you stand will give you a good idea as to which lender you need to work with.
As is the case with anything in life, it pays to shop wisely. Because a home is the largest investment that most people will ever make, it stands to reason that comparison shopping is a must. As you speak with various lenders, ask about their rates, loan terms, qualification process and down payment requirements.
Interest rates change often, which means locking in your rates when they are low can save you a bundle of money. Because there are so many lenders competing for your business, you will be greeted with plenty of appealing offers, including low rates, closing costs and down payment requirements.
Demand the Best
You are the one buying the home, so you should be the one to choose the length of your loan term. With the exception of a situation where payments are simply unaffordable, it’s up to you to decide how long you want to pay for a house. Many homebuyers prefer a longer loan term to keep the payments low, while others want to get the home paid for as quickly as possible with a shorter term. It’s important to keep in mind that the longer you pay for a home, the more money you will end up spending in interest.
It’s a good idea to talk to your lender about their willingness to accommodate your needs. If you’re in doubt about which lender to choose or are new to the area and need a little guidance, ask your REALTOR® for a referral. He/she knows the business and will be more than happy to assist you in making your dream of home ownership become a reality.
Let’s face it. There are two kinds of people in the world – those who have a knack for being creative and those who are seriously lacking in decorating skills. The good news is that it doesn’t matter which category you are in because there’s always something new to be learned. If you want to know how to add some new life to your home without spending a fortune, here is how to get started.
Spruce Up Your Walls
If you need a quick and affordable way to decorate your otherwise bare walls, consider adding a square of your favorite gift wrap to a standard photo frame and hanging it on the wall. Not only will this look great, but it will also save you a bundle of money when compared to the cost of traditional artwork.
A Little Paint Can Go Along Way
If you have an old drawer set that’s simply gone out of style, add a fresh coat of paint and some new hardware. This will work brilliantly whether you are changing the decor or just need a more updated look.
Have a Seat
If the cushions on your chairs are looking worn or simply need some new life, you can make a big difference with some new fabric. You can change the look of any chair by purchasing fabric and attaching it to the underside of the cushion. This is an easy and affordable way to get the look of a brand new chair at a bargain.
Wow Your Walls
If you’re looking for a conversation starter, consider purchasing plain white quilt squares and sending them to your favorite celebrities for an autograph. Be sure to send a SASE (self-addressed stamped envelope) with your request so that they can return the item to you. With each autographed quilt square that you receive, sew it next to a patterned square. Over time, you will have a wall hanging that’s sure to be a colorful treat for both you and your guests. Having a quilt signed by dozens of your favorite celebrities is one way to wow your walls in a big way.
Create the Illusion of a Larger Space
Did you know that mirrors can actually give the illusion of a larger room? Even if your house is small, you can open it up with a few strategically placed mirrors. Horizontal designs are some of the best and they can offer a look that turns a small room into an open and airy spot.
Now that you know what’s hot in decorating, it’s time to get busy and start sprucing up your space. After all, it’s often those finishing touches that make a house into a home.
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