![]() ![]() With documentation from your existing FHA loan, you can save time during the loan process. Reduce your monthly mortgage payment for real savings that add up over time.* Start Your Streamlined Refinance Today With: ![]() Looking to get started on your 2021 savings? Refinance Your FHA Loan with an FHA Streamline Refinance through a simple process that saves you time and money while lowering your monthly payments.* Contact us for a Free Mortgage Checkup to make sure you are in the right home loan for you today. ![]() Your home loan needs may change over time. Make sure you are apportioning sufficient amounts to savings, retirement, emergency funds, or investing in a new home. Review your income and expenses to make sure you are crystal clear about where all your money is going. This may improve your credit score and could lead to better loan rates. Give us a call to learn more.Įnsure your credit card balances are less than 30% of credit available. You can receive a free copy of your credit report once a year. Get comparative data on the most recent home sales in your neighborhood and ensure your biggest investment is on the right track. Plus, since you currently have an FHA loan, you may have the unique opportunity to lower your mortgage interest rate through a quick and simple process with an FHA Streamline Refinance. See how you can start saving today with an FHA Streamline Refinance Loan.* Take these 5 steps to ensure that the health of your monetary landscape is stable and ready for growth. Spring is here, which signals new beginnings, and it’s the perfect time to clean up your finances. You can opt out of most by visiting or calling the national credit bureau’s hotline at 1-888-5-OPTOUT (67-8688).Breath in and smell the freshness of the new season. If you thought it was impossible to avoid credit card and loan solicitations, think again. Check out Bankrate’s reference sheet to determine how long you should keep various types of financial documents. Go through your tax files, shred older files and create a system that keeps your paperwork organized so it is easily accessible. The IRS recommends keeping tax returns and other important documents for at least seven years after you file the return. A lower monthly payment frees up more money in the rest of your budget. When was the last time you took a look at all your insurance policies? Chat with your insurance providers about the possibility of securing lower rates on auto, life or home insurance. Review your insurance policiesĪs your life changes, your insurance needs change, too. Our Credit Counseling is free, confidential and can help you create an action plan for paying off debt. If you feel overwhelmed or don’t know where to start, we can help. Adjust your budget and make a commitment to paying off credit cards and student loans. Create a plan to pay off your debtĭon’t let fear or procrastination get in the way of a debt-free life. Define each person’s role and set reminders to help ensure you pay all your bills on time, every time. An established process is especially important for families, couples or roommates who may need to split bills. Establish a bill-paying process Įnlist in auto-bill pay programs or create a calendar to track bills and due dates. Each has different features based on your needs-some help with budgeting and bill pay, while others assist with paying off debts or monitoring your credit score. Mobile apps like Mint, PocketGuard or Level make it easy and convenient to improve your personal finance habits. How can you adapt spending patterns to free up more money? Is your budget filled with wants or needs? Document your budget on a simple worksheet or online, and review monthly to ensure you’re on track. Take a close look at what you spend now, how much you make and your financial goals. Here are several ways you can review and refresh your financial life: Refresh your budgetĪ realistic and balanced budget is the #1 tool in your financial arsenal. But spring cleaning should go beyond living spaces-your finances can likely use some attention, too. Spring’s arrival is the perfect time to tackle ambitious spring cleaning projects like purging closets and pantries. ![]()
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