Charles Rutenberg Realty

Hi Friends - here is a really good guide to getting yourself ready to apply for a mortgage. This will avoid any hiccups when we find your new home. After you read this on my website, please call right away so I can line you up with the right contacts to accomplish your mission. Jim - the real estate guy 813-484-5829. Click the link to be take to the article on my website. http://ow.ly/PIi930iV5S2

Hi folks - please check out my website. There is some really good info if you are considering any sort of remodeling. I would love to help you with any of your real estate needs. Take advantage of my 35+ years in real estate. Jim

Good ideas for your home - Jim Bishop The MLS is the local database containing all of the homes for sale in our area, and has detailed records for everything about the homes on the market. Many home search sites don’t offer 100% coverage of the local real estate market because they rely on agreements with marketing partners who often ...

http://ow.ly/d/7dbC

Great article on which home improvements really give you a good return on investment. A must read for homeowners who want to upgrade their existing home for your use or prepping for a future sale. Please give me a call if I can be of service. Thanks. Jim 813-484-5829http://ow.ly/d/7czb

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FOOD FOR THOUGHT. Wanted to share this with those that are in the wonderful position of being able to pay off your mortgage and those who are cogitating on doing it in the near term. This is from an article by Jeanne Sager.

PROS of paying off early:
Paying early can result in considerable savings - literally thousands of $ that stay in your pocket if you play your cards right. Paying early reduces your long-term interest costs. Secondly, it makes your overall credit rating look better because it shows that you have less debt, and that you have the ability to manage your debt.
CONS of paying off early:
You won't be able to take advantage of the mortgage interest deductions nor the tax write-off to its fullest extent. Also, the money you shovel into mortgage payoff will become "illiquid" meaning you cannot access it in case of an emergency. The advice here from one expert is you should have a "pad" to go along with your shoveling money into a payoff.
TIPS on how to payoff early:
Make a payment at the end of the year dedicated to principal only.
Make an extra payment every month dedicated to principal only.
Make one-thirtieth of the payment every day to ensure no interest accrues.
If you have mortgage insurance, track your loan-to-balance ratio and when you hit 85% LTV you can re-finance.
OTHER suggestions: (from the experts)
Make a plan to increase your monthly payments a little at a time.
Set up automatic payments.

Hope this gives you some food for thought. Enjoy your preparation for Christmas and I hope Santa is good to you! If you need help with real estate please remember to call me - Jim - the real estate guy at 813-484-5829. I am at the ready to assist you. Please take good care of yourself.