When trying to trim a monthly budget, most people don’t consider their fixed expenses. These recurring costs, which include mortgage payments, insurance premiums and subscription payments, are easy to budget and plan for since they generally remain constant throughout the year. While people tend to think there’s no way to lower fixed expenses, with a […]

Unlike diamonds, mortgages are not forever. The ultimate goal is to pay them off and own your home free of encumbrances. But there are many good reasons to trade in your original mortgage for a new one along the way. One of the most common reasons to refinance is to move from an adjustable-rate mortgage, […]

The phrase “home security” is pretty widely used and has a variety of contexts. It can mean locking doors and windows when leaving the house, setting up an alarm system, participating in a neighborhood watch, or setting up automatic lights for vacations. These are all steps homeowners take to keep the contents of their homes […]

What benefits are there to refinancing my current home? When you refinance you are paying off your current lender and starting a new loan. What new loan you decide on will depend on what you are looking for. Do you want a lower rate and payment? Are you looking for a shorter term to pay […]