Cash-In Refinance

Would someone really refinance their home and not take money out of it? Certainly, if they could get a lower rate, build equity faster and pay off the home sooner. For people with extra cash available, this can be very attractive compared to the low savings rates being paid by banks. In the example below,[…]

Up-front Points to Lower the Rate

When loans are quoted by lenders, most buyers pay attention to the interest rate but not so much to the points that may be charged along with the rate. A point is one-percent of the mortgage amount and considered pre-paid interest that affects the yield on the loan. Buyers or sellers can pay points but[…]

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Sales and Branding: Short Term and Long Term

Today I booked a course for February. That’s sales. The class may or may not happen. I may or may not get paid (mostly according to whether or not it happens). That is sales. Sales brings in the income, keeps the bills paid, brings home the “bacon,” so to speak. Periodically, I sell. The more[…]