Monday, December 13, 2010

Time to refinance?

Mortgage rates spent much of the year setting record lows,  The average 30-year fixed-rate mortgage was still as low as 4.50% today.  With rates this low, if your bank or mortgage lender hasn't called you to tell you into refinancing, you may want to give me a call. 

Swapping your old mortgage for a new one can result in big savings, totaling thousands of dollars over the life of the loan.  Refinancing makes sense if you:

1)  Have an adjustable rate loan
2)  Want to swap a 30-year loan for a 15-year mortgage
3)  Are moving from a jumbo loan to "conforming" size
4)  Can shave 1/2 to 3/4 of a point off your current fixed rate
5)  Need cash out to retire high interest rate credit card debt or a 2nd mortgage

Call me to review your refinance options.   

Momentum Gathering

How to Harness the Power of Momentum

‘It’s like the wind at my back, the sun in my face. It’s like running down a grass-covered hill.’ ~Leo Babauta
Editor’s note: This is a guest post from Katie Tallo of Momentum Gathering.
It can carry you like a strong current carries a fallen leaf. It can ground you like an early morning walk through the woods. It can move you like wind moves a cloud across the summer sky. It can ignite your spirit and make you feel like you can do anything.
It is momentum – that invisible, universal force that can saturate your every choice, your every step, your every breath, your every moment of resolve with vibrant, joyful energy. Momentum can surge you forward and it can pull you under. It goes with your flow, follows your lead and enhances your trajectory.
It can be harnessed, gathered and used as an incredibly transformational tool.
How do I know this to be true? I’ve been actively gathering momentum for almost six years now, ever since I quit smoking. That one simple yet meaningful change shifted my direction just enough to spark momentum. I triggered it without even knowing it. All I knew at the time was that if I could quit smoking after twenty years of trying, I could do anything. That’s what momentum feels like. It seeps into your pores and tingles the back of your neck.