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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	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Desiree Callender, REALTOR®, real estate agent and broker for Mitchellville, Bowie and Upper Marlboro Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Desiree Callender
Desiree Callender & Associates, Realtors
2905 Mitchellville Rd Suite 101
Bowie, MD 20716
Phone: 301-390-2832
Phone 2: 301-390-8244
Fax: 301-390-2584
301-390-8344
Email: DesireeCallender@NUMBER1EXPERT.com
Email: desiree@mris.com
Desiree Callender is the Broker/Owner of Desiree Callender & Associates REALTORS. She has been a full time Realtor for twenty-Five years and see's herself as a partner with consumers as they pursue their Largest investment. Her mind set of partnership has contributed to her consistent success and has placed her in the top 1% of all realtors in the nation. Desiree has also been recognized as the number one agent in Prince George's County and in her prior office. She was inducted into the Re/Max Hall Of Fame in 1997,the Prince Georges's County Association of Realtors Hall of Fame in 2003 and is a recipient of the prestigeous Re/max Lifetime Achievement award. Desiree is a hard worker and uses her Steategic marketing and Negotiation skills along with her Experience and knowledge to help her clients maximum on their largest investment. Closing over 1000 transactions and a consistent receipient of the highest annual production awards offered by her previous company (Re/Max) and the local board of Realtors, she continues to offer her clients OUTSTANDING SERVICE and RESULTS and would like to do the same for you.

www.homesbyDesireeC.com is brought to you by Desiree Callender
NUMBER1EXPERT™ in real estate for Mitchellville, Bowie and Upper Marlboro, Maryland

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