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Real Estate Tips
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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Real Estate Trivia
Q 
What does the abbreviation PITI stand for?

A 
Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
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The Di Lewis Team, REALTOR®, real estate agents and broker for Henderson, Lake Las Vegas and Las Vegas, Nevada home listings, property and land for sale - NUMBER1EXPERT(tm)

The Di Lewis Team
Prudential Americana Group, Realtors

871 Coronado Center Dr., Suite 100
Henderson, NV 89052
Phone: 702-566-5827
Fax: 702-565-7563
Cell: 702 824 2188
Email: di@dilewis.com

Di & Mike are married with four daughters and four grand children and live in Lake Las Vegas. Di was born in Australia and has been a U.S. resident since 1985 and is a US citizen. Prior to practicing real estate, Di & Mike owned and operated an international textile corporation specializing in home furnishings, with offices in New York, Hong Kong and Australia. They have extensive experience dealing with foreign nationals and Di knows what it's like to move from one side of the world to the other. Real Estate designations held include: GRI (Graduate of the Real Estate Institute) ABR (Accredited Buyers Representative) e-PRO (Certified Internet specialist). Mike was born in New York and has holds a BBA from Adelphi University and is is a New York CPA. Mike is the team manager and brings a wealth of financial management and administrative experience to the team. Mike specializes in commercial real estate and is currently a CCIM candidate.

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