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Financing Your Home >Your Mortgage

Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.

More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!

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Q	Which home is considered the ultimate in California craftsman-style architecture?
A	Located in Pasadena, the Gamble House, built in 1908 by Charles and Henry Greene, is a National Historic Home open to visitors.
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Sandra Lillywhite, REALTOR®, real estate agent and broker for Gaithersburg, home listings, property and land for sale - NUMBER1EXPERT

Sandra Lillywhite
RE/MAX Town Center, At Park Potomac
12505 Park Potomac Avenue #220
Potomac, MD 20854
Cell: 301-275-5444
Office: 301-540-2232 x.104
Fax: 301-519-2450
sandralillywhite@remax.net
lilwhte@erols.com
Sandra Lillywhite has been a top, full-time professional in the real estate business in Montgomery County since 1987. She has been ranked in the top 10 for homes sold in Montgomery County out of 4,000 Realtors and continues to be ranked Top 1% Nationwide. Sandra has earned the respect of not only many satisfied clients, but also of the real estate community. Specializing in relocation services, Sandra's personal commitment to excellence has positioned her as a top agent and has provided her with the networking skills necessary to ensure your satisfaction in your next property purchase or sale.

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