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About David Cooper - Information about David Cooper of Short Hills, Millburn and Maplewood, New Jersey Testimonials - Read what David Cooper's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more New Jersey home buying & property selling information is guaranteed by David Cooper. Privacy Guarantee - This Short Hills, Millburn and Maplewood real estate web site will respect your privacy, guaranteed by David Cooper. No Obligation Guarantee - David Cooper's real estate help by email is free & without obligation for Short Hills, Millburn and Maplewood home owners in New Jersey. For Real Estate Agents - Let David Cooper help you with your professional real estate broker and agent needs in the Short Hills, Millburn and Maplewood area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact David Cooper. Go to Main Sitemap - Main sitemap sections include Find Short Hills, Millburn and Maplewood Homes, For Home Buyers, For Home Sellers, Short Hills, Millburn and Maplewood Information, Real Estate Resources, and About David Cooper. 
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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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What unique type of home is making news as an affordable, environmentally-friendly housing alternative?
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Straw bale homes may well become the non-toxic, affordable home of choice in the future. |
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