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How Bi-Weekly Mortgages Can Save You Money!
By John R. Blakefield
The world as we know it has a tradition of lending out loans that you pay once a month. It is based on a certain time period, or length of a loan. The thought of paying a payment twice a month seems to be overwhelming and just too much money for most home owners.
But its not! With a bi-monthly mortgage, you take what would be your single monthly payment and divide it in two. You then pay this payment every two weeks.
What happens is with every month having a few days over 28, you end up paying about 2 extra payments every year. Great, you're thinking, a whole whopping two payments a year. But this can make a huge difference in the long run!
What happens is that your extra payments go towards the principal. So not only do you pay your off more quickly, but you also build the equity in your home faster. This is great if you ever want to sell or refinance your home before the is completely paid off. And of course, the closer you are to owning the property free and clear and not owing any lenders more money or interest, the better you should feel. You can then fully enjoy the appreciation in the value of your property.
Some may say paying once is enough, and if you really wanted to, you could just pay some extra money here and there, when you have it, to decrease the principal and cut the amount of interest you pay and years off your mortgage.
However, if you feel you could
Americas Watchdog Offers Assistance For Frozen Or Devalued Cash Equivalents, ARS & Suggests Do's & Don'ts For A Wild 2009 Economic Ride
Americas Watchdog's Wall Street Fraud Watchdog is warning that from an economic standpoint, 2009 will make 2008 look like a walk in the park. In the strongest terms possible the Wall Street Fraud Watchdog is encouraging all US, or international investors, who were defrauded with auction rate securities, and or failed or frozen cash equivalents, to not sit on their hands, waiting for the government to come riding into the rescue. According to the group, " in the case of smaller banks or stock brokerage firms, it will not happen." The group is also offering to help and or assist Bernard Madoff victims that may have a possible SIPC claim. "2009 absolutely terrifies us, we are looking right down the barrel of a global economic meltdown, so if you have failed or frozen ARPS, Schwab Yield Plus, TD Ameritrade Reserve Yield Plus, or any other problematic cash equivalent call us, and we will try to help put you on a track to get your money back, before its too late." US or International investors who were duped into buying auction rate securities, failed or frozen cash equivalents can call the Wall Street Fraud Watchdog anytime at 866-714-6466 or visit their web site at Http://WallStreetFraudWatchdog.Com (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1831204.htm ]]>
Americas Watchdog Invites Residential Construction Defect Attorneys Nationwide To Join In Its Construction Defect Initiative
Americas Watchdog & its Homeowners Consumer Center are about to begin what will be a year long nationwide construction defect initiative, aimed at assisting condominium homeowners associations and homeowners in larger residential sub divisions, in identifying common construction defects in their homes, or condominiums, and then doing something about it. According to the President of Americas Watchdog, "Most homeowners in condominiums or larger residential subdivisions have no clue as to whom to call, and or what to do, when they discover a common construction defect. We are about to change that in a dramatic way. We want the best construction defect law firms in each state to join with us, so we can address the problems to the benefit of the homeowners associations, or homeowners in larger sub divisions, in their specific states." The Homeowners Consumer Center has been blasting national homebuilders for years, over issues ranging from undocumented workers building our nations houses, to low quality workmanship." According to the group, "2009 is the year we start going after homebuilders in each state, for selling innocent consumers defective housing. We will do this with the help of the best construction defect law firms we can find in each state." Interested construction defect law firms are welcome to call the Homeowners Consumer Center anytime at 866-714-6466 or visit their web site at http://HomeownersConsumerCenter.com (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1833104.htm ]]>
Concrete-Driveway.org: New Website Explores Everything Related to Concrete Driveways
Newly launched website, Concrete-Driveway.org is dedicated to informing consumers about the many benefits and advantages of installing a concrete driveway. This educational site covers project tips, design ideas, types of concrete surfaces, typical installation costs, photos and more. (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1825834.htm ]]>
New Vista Realty Arizona Wins Prestigious Broker Award for Creating Housing Opportunities in Foreclosure Market
New Vista Realty Arizona owners Gail Buck and Sara Stevens pride themselves on creating housing opportunities for minorities and first-time buyers by helping buyers see opportunities in the midst of crisis. Recently, the two were awarded for their efforts with the New Vista Asset Management Award as the top brokers in the network. (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1762154.htm ]]>
32 Investment Duplexes to be Built In Upscale Community North of Dallas
With the combination of a great location, great amenities, and a stable local housing market, the duplexes at Grand Heritage in the Collin County community of Lavon promise to deliver exceptional returns to real estate investors looking for a turnkey investment opportunity. Veteran duplex builder Glen Anderson expects to have the first completed units available for delivery to investors by May 2009. (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1825874.htm ]]>
Casino Hotels Rely on Service and Experience from Revenue Management Providers
Service and Support are Essential to Maximize Potential of Revenue Management Systems (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/therainmakergroup/letitrain/prweb1826614.htm ]]>
FuelNet Monthly Reveals Four Email Marketing Trends for 2009
January issue also offers advice for achieving optimum results (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/Email_marketing_tips/FuelNet/prweb1831024.htm ]]>
Homepath Products LLC Launches New Web Site
Homepath Products LLC, designer and producer of patent-pending eXapathTM conduit systems, activates its new Web site. The Web site provides easy access to valuable information for homeowners, architects, builders, electricians, and electronic system contractors (ESC) about low voltage residential cabling solutions. (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1833094.htm ]]>
use some help in the discipline area with paying off more of the principal every year, or feel that using your extra money towards paying of your is something you simply won't do, then you should consider a bi-weekly mortgage. It may be just what you need to pay off your in a shorter amount of time and save a lot of money in interest.
As in any mortgage, it is best to compare all different types and terms to find the situation that best fits your needs. You should consider adjustable rate mortgages, fixed rate mortgages, and balloon mortgages. All the terms can be negotiated, so talk to your brokers or lenders you are considering working with what it is they can do for you.
Always work with a lender or broker who is licensed and working in your best interest. They are there to help and answer questions, so don't be afraid to ask and know you can always go somewhere else if you don't like the terms you are getting!
With a bi-monthly mortgage, the rates can be adjustable or fixed. It is named for the payment structure and not the type of rate like the other two. So do some research and compare the terms of all possibilities. Choose the that will cost you the least amount of money. And one more tip: if you don't choose the bi-monthly payment plan, try to put some extra money towards your principal every month and reap the benefits of a shorter term and less interest!
John R Blakefield is a mortgage and real estate specialist. For more information, articles, news, tools and valuable resources on home mortgages or investment loans, refinancing, debt solutions, visit this site: www.scourtheweb.com/mortgage/.
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- Americas Watchdog Offers Assistance For Frozen Or Devalued Cash Equivalents, ARS & Suggests Do's & Don'ts For A Wild 2009 Economic Ride
Americas Watchdog's Wall Street Fraud Watchdog is warning that from an economic standpoint, 2009 will make 2008 look like a walk in the park. In the strongest terms possible the Wall Street Fraud Watchdog is encouraging all US, or international investors, who were defrauded with auction rate securities, and or failed or frozen cash equivalents, to not sit on their hands, waiting for the government to come riding into the rescue. According to the group, " in the case of smaller banks or stock brokerage firms, it will not happen." The group is also offering to help and or assist Bernard Madoff victims that may have a possible SIPC claim. "2009 absolutely terrifies us, we are looking right down the barrel of a global economic meltdown, so if you have failed or frozen ARPS, Schwab Yield Plus, TD Ameritrade Reserve Yield Plus, or any other problematic cash equivalent call us, and we will try to help put you on a track to get your money back, before its too late." US or International investors who were duped into buying auction rate securities, failed or frozen cash equivalents can call the Wall Street Fraud Watchdog anytime at 866-714-6466 or visit their web site at Http://WallStreetFraudWatchdog.Com (PRWEB Jan 7, 2009)
Read the full story at http://www.emediawire.com/releases/2009/01/prweb1831204.htm ]]>
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