Fall is officially here and you know what that means – cooler air, warmer clothes, fun seasonal activities, football, and a change in scenery. For many, changes in scenery are not only outdoors, but also in their home. Fall decorations are all about warmth. Incorporating warm colors, such as reds and oranges, and warm aromas, such as pumpkin, apple, orange, cinnamon, and other spices, make for a cozy home during the autumn season. Here are some décor ideas to help make your home feel like the perfect fall getaway!
Refinancing can be tricky, but a little preparation before starting the process can help you to avoid mishaps along the way. Here are some common traps that you many run into while refinancing your home and tips to avoid falling for them.
The automatic payment trap
Did you know it can take up to two weeks to have automatic payments canceled? If your payments are made this way, be sure to turn it off before closing. You don’t want to pay for the same month twice!
The missed or late payment trap
Believe it or not, lots of people think they don’t have to keep making payments once they apply to refinance. Missing a payment could damage your credit and even preclude closing. Just be careful regarding your very last payment, as it should be made in time to assure it’s credited toward your payoff balance.
The tax escrow trap
The funds in any existing escrow account will typically be held until after the current loan is paid off. Since this money will not be available at closing, you need to be able to establish a new escrow account and/or pay any upcoming taxes from savings or the new loan proceeds.
The insufficient funds trap
The tax escrow trap can contribute to this, and so, too, can many other factors. For example, a low appraised value could limit your loan amount. As many loans are set up to cover all closing and escrow funds, it’s important to know that any necessary or unexpected adjustment could change the cash to close requirements accordingly.
We want you to be aware of these potential pitfalls before they have a chance to occur. Of course, we will work with you and on your behalf to prevent and avoid them. If you’re looking to refinance, or are already going through the process, feel free to Contact Us! We’re always happy to help.
Client Appreciation Event, Nov. 17th 4:30-7:30PM
Rockwell Republic, 45 S Division Ave, Grand Rapids, MI 49503
I hope you have been enjoying the fall season, your families, and your homes! If you are anything like me this is the time of year when you make sure you have completed all those dreaded annual “check-ups”.
Just like most people when I hear the phrase “checkup”, my “I don’t want to do that” sensors immediately start to go off. The term “checkup” is innocent enough but it can be associated with varying levels of pain, discomfort and scariest of all: the unknown! Of course for me anyways these feelings and associations all happen in the blink of an eye, subconsciously. As a parent of two, it certainly is my job to help my children understand the benefits of getting a checkup and to help them overcome the fear, the uncomfortableness and the potential pain of the dreaded exam. So, in that parental spirit and without further ado, here are my five reasons why doing a mortgage checkup is less painful than a medical checkup and something every homeowner should have on their annual to-do list:
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Fall is back and I am loving it! Fall to me means football, cider and donuts, apple orchards, Halloween, leaves changing colors, and more football. It is my second favorite season. The drive up to our cottage at this time of year is great with all the different colors. I am sure all or you have the above as favorites along with my fall addition of babble. So away we go……..
A lot has gone on at work since my last babble. This year has been a challenging year in my business. I ran into some staff and processing challenges that set my business back some this year. But now that I am on the other side, I am a better Mortgage Loan Officer for it, and a better business owner. My partner Jon Arnold and our “Do All” employee Katrina Cole, were great at helping me get through it and past it. I don’t know if I could have made it through without them. The great news now is I found a great new employee, Billie, who is a superstar. I now have the best support staff around me that I have ever had in my 12 years in doing mortgages. 2017 is going to be my best year ever with all the great people I now have around me. Read the rest of this entry »
Hello, everyone 🙂
I hope and trust you all have been enjoying your summer, your families, and your homes! It seems like yesterday that we opened our branch, however as it turns out, May was our two year anniversary! Thank you, thank you, and thank you for all of the love and support that you have given to me. I truly have the best clients in the world and am reminded of that every single day.
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Spring is here and this past weekend felt like summer which is great with me. It has been a couple months since I had a chance to sit down and write my Babble. I am sure everyone has had Babble on their minds and been thinking about nothing else. So for those of you who feel that way I am glad today I am taking care of your Babble fix.
A lot has gone on since my last letter and almost all of it has been good. As a family we had a great Christmas and Holiday season. We stayed close to home and just enjoyed watching the boys play basketball and enjoy their Christmas gifts and time with each other. Karyn and I both didn’t like the no snow for Christmas but I liked the warmer winter. Both Max and Drew got metal detectors because their uncle Chad had one and they have been obsessed since they went metal detecting with him last year. If anyone knows a good spot to metal detect and find some good stuff please let us know. The boys tried in Florida but no treasures yet.