Scott Moize Jr.

Great Western Home Loans

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How To Stretch Home Improvement Dollars The Most

January 27, 2021 by Scott Moize Jr.

How To Stretch Home Improvement Dollars The MostThere are lots of homeowners who are looking for a way to improve the quality of their home while also increasing the value of their property. Unfortunately, a lot of home improvement ideas can be prohibitively expensive. It is not unusual for homeowners to spend six figures on a renovation project. On the other hand, there are also home improvement ideas that will not break the bank.

What are a few of the top ideas that homeowners should consider? 

Start With A Few Quality Ceiling Fans

First, homeowners should consider starting with a few quality ceiling fans. Because a lot of homeowners do not look up at the ceiling on a regular basis, they may not realize just how old their ceiling fans are. Therefore, homeowners should consider updating their ceiling fans. Ceiling fans should be hung between 7 and 8 feet above the floor. Now, there are advanced Energy Star ceiling fans that will help homeowners lower their utility bills while also increasing the value of their property. Finally, even advanced ceiling fans are not that expensive. 

Consider Planting Some Trees In The Yard

Another idea that homeowners need to consider involves planting trees. Planting trees will not only prevent erosion from the property but can also lower energy costs. Trees can protect the property from rain, wind, and the sun. Furthermore, as trees grow over time, they also increase the curb appeal of a property, driving up the value of the home. Even though a lot of people say that money does not grow on trees, planting a few trees in the yard can help homeowners save a lot of money while also boosting their home’s value. Fortunately, planting trees are also not that expensive. 

Increase The Quality Of The Insulation In The Home

Finally, a lot of homeowners neglect the quality of the insulation in the home. Even though this might not be as attractive as a complete kitchen or bathroom remodel, upgrading the insulation of the home reduce its utility bills. Furthermore, upgrading the installation is not that expensive. Homeowners should consider taking a closer look at the insulation of their homes every few years. There may be ways to save a significant amount of money.

 

Filed Under: Mortgage Tagged With: Around The Home, Ceiling Fans, In the Yard

Planning On Getting A Mortgage in 2021, Take These Steps

January 26, 2021 by Scott Moize Jr.

Planning On Getting A Mortgage in 2021, Take These StepsAs we move into 2021, there are a lot of people who are thinking about getting a mortgage. Even though it is a great time to look for a home loan right now, it is also important for everyone to make sure they place themselves in the best position possible to be successful. It is important to take the following steps for those who are interested in applying for a new home loan this year. 

Calculate Your Budget Carefully

First, it is important to take a look at the budget carefully and find a mortgage that is affordable. Remember that the mortgage payment isn’t the only expense that comes with owning a home. It is also critical to think about real estate taxes and homeowners’ insurance, which is often included in the monthly payment that goes back to the lender. Then, do not overlook the importance of utilities. Some of the most common utilities include electricity, water, gas, cable, and internet. Before looking for a home loan, make sure to calculate the budget carefully. 

See If Extra Payments Are Possible

When people first take out a home loan, the majority of the monthly payment is going to go towards interest. Then, at the end of the loan, the majority of the payment is going to go towards the principal. Those who are able to afford to make extra monthly payments will be able to attack the principal directly. The faster homeowners are able to pay off their home loans, the less they are going to pay in interest over the life of the loan. Any homeowner that is able to make extra payments should consider doing so. 

Don’t Forget To Deduct Mortgage Interest From Taxes

Anyone who is looking for a way to reduce their tax liability should consider taking out a home loan. There are lots of tax breaks that are available to people who own a home; however, for many homeowners, the biggest deduction is going to come in the form of mortgage interest. This can significantly reduce the amount of money that homeowners have to pay in taxes. Be sure to speak with the lender to learn more about the relationship between mortgage interest and tax deductions.

 

Filed Under: Mortgage Tagged With: Mortgage, Mortgage Payments, Mortgage Tips

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CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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Scott Moize - NMLS# 595311
First United Mortgage Group
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