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SAVE BIG!


With the cost of housing rising faster than incomes, renters and homeowners alike are looking for ways to keep costs down.

Right now, may be the perfect time to take control of your housing costs by buying your own home, refinancing your current home, or accessing your home equity!

With proper planning and a few smart strategies, you may be able to reduce your monthly payments and cut the overall cost of home ownership.

Maximize Your Down Payment

If you borrow more than 80% of the value of your home, lenders will typically make you carry Private Mortgage Insurance (PMI).


To determine the home price, you can afford without PMI, multiply the down payment amount you have saved by five. This will give you the highest price you can play while avoiding PMI.

For example, if you have $20,000 available for a down payment, that will give you a home price of $100,000.

If you do not have the recommended 20% down payment available, there are still good options.


Many lenders have low rates with no PMI required with as little as 5% down payment.

Make Extra Payments

If you can afford to, add more to your mortgage payment each month. Just a few extra dollars each month really accelerates your loan pay down.


You will be amazed at how much you’ll save on interest. By paying extra, you will build home equity faster too!

To discuss these and other money-saving strategies, CALL US TODAY for a No-Obligation Mortgage Consultation!




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