THANKFUL!

With Thanksgiving fast approaching, we’re thinking about (or we should be) the things that we are thankful for. With the recent attacks in Paris, being thankful for not having been a victim in that horrible scenario quickly comes to mind.

My heart goes out to all of the families who either lost a loved one or a loved one was injured. Even with the injured, their families are certainly grateful  and thankful that they can take them home after a hospital stay. 

We are in the month of November in 2015. It seems like just yesterday it was January 1, 2015 and here we are almost ready to say goodbye to 2015 and hello to 2016. I don’t know about you– time seems to be moving very quickly to me. In one month and 10 days, it will be January 1, 2016! All of us have so much to be thankful for as we move toward the Thanksgiving holiday coming up. The families traveling to be closer to one another, friends reuniting who haven’t seen each other in a year or two, baby showers being planned for the new arrivals on the planet, wedding plans being made for 2016, graduations coming up in June 2016. I could go on however I think you see the pattern starting to emerge.

Despite the recent tragedy in Paris, Life does go on and although those who lost their lives or were injured in that horrible event, there is still a lot to be thankful for.

It is my sincere hope that as each of us sits down with our family and friends this Thanksgiving that we remember how thankful we should be to be able to partake of the love and laughter of those we are with because the victims of the Paris tragedy who were mortally wounded are no longer with their families this Thanksgiving.

Wishing you & your family a Happy Thanksgiving~~

 

 

PROPERTY TAX TIME IS COMING!

Are you Ready? Well get ready. Usually in January or February homeowners can appeal their taxes. Many homeowners do and many don’t because they may not think they will win. Well, if you don’t attempt then you surely will lose. There’s an old saying, “A closed mouth doesn’t get fed”. So if you don’t ask (put in paper work), then the answer will undoubtedly be no.

If you are not sure what to do, ASK your local Realtor.

It would be a privilege to be of Assistance.

ASK!

WHICH MORTGAGE DID YOU SIGN UP FOR?

When looking for a home you are enjoying going to showings to home what will end up being your new home for yourself and your family, but what about how you’re going to ultimately be paying for the home — Your Mortgage. Have you researched online, asked friends and family? Did you sit down with your mortgage representative and ask questions based on your research?

What kind of mortgage are you looking for? Fixed rate? These are the most popular. You know your mortgage every month and doesn’t change for the life of the loan. ARM? Adjustable Rate Mortgage. The word Adjustable should be your first clue that at some point it will change. Jumbo loans? These are usually for higher income buyers with flexible incomes.

Beware! If you see the word Negative in your mortgage loan, Ask Questions. a Negative Amortization or Option Arm you may want to stay away from because although you may be lured into the mortgage with a low mortgage payment, your Loan Balance will be going Up, thus the word Negative in the type of loan. They are also referred to as graduated mortgage payments.

Be very sure you understand exactly what type of loan you are signing up for before you Buy Your Dream home. You don’t want it to turn into a Nightmare for you and your family.

Got Loan Questions? Ask me. We work with great mortgage reps who know all of the products available.