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      Interest savings may be hiding in your mortgage, Ocean2Riverblog When you think of a mortgage loan, you typically think of interest costs. But if you consolidate other debts into your mortgage, you can start thinking of interest savings instead. Most consumer debt carries a higher interest rate than home financing. If you access cash to pay off some of those debts – even at a slightly…

Dear Ocean2Riverblog, Helping you manage your home finances in the most efficient manner possible is one of my primary services to you. I monitor value trends for your home and neighborhood alongside your outstanding loan balances. When there is an ample change, or equity in your home, I reach out to see if you may have an opportunity to save money through debt restructuring. It looks like now…

  Can you believe the time is already here, Ocean2Riverblog? What time is that? Time for your mortgage checkup. This won’t take long, and if you’re like many of my clients, regular checkups can help you save money, fund big goals, and generally improve your financial outlook. Please reach out, and let’s set up 10 minutes or so to make sure your home financing is still where you need it to…

  Here’s how a pre-approval can help, Ocean2Riverblog. Recently, the housing market has become more competitive, with bidding wars occurring in many transactions. Plus, mortgage guidelines have been tightened. Documentation requirements have been expanded and are being followed more closely. A pre-approval gets you through the much of the loan process and uncovers potential pitfalls long before…

      Here’s a way to compare different rates and loan amounts, Ocean2Riverblog! When you refinance your home loan, the monthly principal and interest payment is the amount that will vary when you’re considering different interest rates, loan amounts and loan terms. Your monthly expenses for taxes, insurance and fees will likely remain the same as your current payment (though it’s possible…

      Wondering how much you might save, Ocean2Riverblog? This Refinance Calculator offers a quick way to see what a refinance could mean for you. Simply plug in the numbers for your current and desired loans, and we’ll calculate the difference in your payments. You may be surprised at the big difference even a small interest rate change can make. Refinancing isn’t just about monthly savings.…

        Let’s compare costs and benefits, Ocean2Riverblog. If you’re choosing between renting and owning, it’s important to look past the monthly payment. Renting is sometimes (not always) cheaper by the month. Over time, though, the benefits of owning typically make a purchase a much better deal. Our Renting vs Owning Calculator will show you how the costs and benefits might compare for…

Dear Ocean2Riverblog, Helping you manage your home finances in the most efficient manner possible is one of my primary services to you. I monitor value trends for your home and neighborhood alongside your outstanding loan balances. When there is an ample change, or equity in your home, I reach out to see if you may have an opportunity to save money through debt restructuring. It looks like now…

    How do  you compare a HELOC and a Cash Out Refi, Ocean2Riverblog? We may not be comparing real apples and oranges, but we’re coming pretty close in the home financing industry. And if you’re at all interested in using your home’s equity to access cash, then this comparison is for you. There are two common ways to get cash from your home—a Home Equity Line of Credit (HELOC) or a cash out…

  When it comes to planning, it’s never just a phase, Ocean2Riverblog! It’s the nature of life. There’s always a new phase coming. Financial planning responds to life’s ever-changing nature by anticipating the next phase. Career. Marriage. Buying a home. Children. Investing in the future. Planning for college. Career change. Retirement. Long-term care. Loss of a loved one. Whether you’re…

  Sending Passover wishes to you, Ocean2Riverblog! All of us at RealFi Home Funding Corp wish you a joyous time of remembrance with those you love.   

      Interest savings may be hiding in your mortgage, Ocean2Riverblog When you think of a mortgage loan, you typically think of interest costs. But if you consolidate other debts into your mortgage, you can start thinking of interest savings instead. Most consumer debt carries a higher interest rate than home financing. If you access cash to pay off some of those debts – even at a slightly…

Dear Ocean2Riverblog, Helping you manage your home finances in the most efficient manner possible is one of my primary services to you. I monitor value trends for your home and neighborhood alongside your outstanding loan balances. When there is an ample change, or equity in your home, I reach out to see if you may have an opportunity to save money through debt restructuring. It looks like now…