Judy Rist is highly respected by clients and peers alike for her connection with the market, the community and the Rogue Valley. Her Hassle-Free Flexible Listing Fees give you many more options. She'll keep you abreast of current market statistics and explain what they mean to you.
She provides updated property comparables to maximize the selling price of your property.
Her comprehensive property value analysis helps you take full advantage of this premium real estate market.
She applies an innovative marketing strategy that’s customized for your property, utilizing all media, including diversified Internet presence with search engine optimization.
You can count on her professional advice in Southern Oregon real estate!
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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 was the first territorial acquisition made by the U.S. Government?
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The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%. |
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