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15 Year Mortgages

Since the start of 2010, the 15 year mortgage has become more popular in Charlotte, North Carolina.  A recent article in the Wall Street Journal gave some reasons why this is happening. With the low mortgage interest rates, many homeowners are finding that a 15 year mortgage is more affordable than previously.  In addition, for [...]

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Who to Call for a refinance?

For many homeowners, their monthly mortgage statement for their mortgage includes a sales pitch to call in to refinance.  Too many people do this to their own harm.  Right now, if you are paying over 6%, does your current lender really want you to refinance?  Short answer: No, but if you are going to they [...]

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Life insurance and your home loan

Many home owners in Charlotte are conditioned to hate whole life insurance, however, I think it deserves a second look in terms of your home ownership and mortgage strategy. As a rule of thumb, consider a whole life policy equal to your mortgage balance. Here’s why: 1. You mortgage will always be protected. 2. You [...]

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A Better Strategy

Since the Great Depression, conventional wisdom said you should buy a house for both shelter and investment and pay off your mortgage as fast as you can.  No wonder many Americans store a large portion of their wealth within the walls of their homes. Unfortunately, many of those people have seen their wealth disappear. It’s [...]

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Using Life insurance in your Mortgage Plan

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