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Sara and Charles Hemmerdinger - your Coastal Fairfield County experts. Sara and Charles, long time residents of Westport, specialize in marketing and selling homes in Westport, Weston, Wilton, Norwalk, Fairfield, and all of Coastal Fairfield County. Working together as an award-winning team since 1992, Sara and Charles go the extra mile in service, each step along the way. Call them today!
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Financing Your Home >Your Mortgage
Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.
More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!
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What unique type of home is making news as an affordable, environmentally-friendly housing alternative?
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Straw bale homes may well become the non-toxic, affordable home of choice in the future. |
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