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Tag Archives:mortgage loan

Jan 6

Adjustable Rate Mortgage

Sometimes it is more important for you to have a lower initial rate, resulting in a lower payment, so that you will be able to qualify for the home you have chosen. Perhaps you plan to move in a few years and are not concerned about possible interest rate increases. Maybe you are confident that your income will increase enough in the coming years to compensate for periodic increases in your interest rate, and subsequently larger mortgage payments that accompany an Adjustable Rate Mortgage Loan (ARM). If the

Feb 22

6 Reasons to Consider Refinancing Your Mortgage in Yuma AZ

6 Reasons to Consider Refinancing Your Mortgage in Yuma AZ

If you have a mortgage, you should periodically consider refinancing.  While a 30 year fixed rate is the most common mortgage type, you may be surprised to find that the average life of a mortgage loan is less than 5 years.  Most people don’t stay in a home for 30 years anymore, and even if they do, their lives and financial needs can change drastically over time.  If you have had your mortgage for more than 3 or 4 years, you may want to consider a mortgage checkup.

Feb 22

Yuma Mortgage Lender

If you are looking for a mortgage lender in Yuma, Arizona, consider Daniel Jackson!  With consistently high rankings on zillow, trulia, yelp, google and facebook, The Jackson Team is ready to take care of all your mortgage needs.  Call 928-726-7266 Today! Daniel Jackson is a Certified Mortgage Planning Specialist with Nova Home Loans in Yuma, Arizona.  As a Yuma Loan Officer, Daniel truly has the heart of a teacher, and is enthusiastic about educating clients and referral partners.  In addition to helping clients get the lowest rate on mortgage loans

Jul 22

Should I Pay Points?

Should I Pay Points?

Whenever you get a mortgage, you should ask yourself the question: “points or no points?” A point is 1% of the loan amount, and it’s used to reduce your interest rate. I think about it like 2 kids at the park, playing on a see-saw.  When one goes up, the other goes down.  In mortgages, the trade-off is between RATES and FEES.  The higher the rate, the lower the fees.  The lower the rate, the higher the fees. Paying points reduces your interest rate and your monthly payment.