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Mortgages: To Pay Off or Not to Pay Off

If you got a mortgage or had the chance to refinance in the last 10 years, congratulations! You were able to lock-in historically low rates for your house payment. A question we often get is if someone should pay off their mortgage and what other options they could explore. Jonathan recently spoke on this topic in March addressing what factors homeowners should consider emotionally and... READ MORE

Thoughts From a First Time Home Buyer

Last week, my wife and I bought our first house. We initially signed the contract about 3 months ago and have been dying of anticipation ever since. Actually, it wasn’t 3 months, it was about 76 days and 18 hours. I know because my wife set a countdown on her phone for our closing date the day we signed and has reminded me of how many days were left every morning since! I’ve been excited as... READ MORE

Should you consider refinancing?

Lately, the topic of refinancing has come up many times when talking with our clients, given how low interest rates currently are. However, in order to justify the cost of refinancing your mortgage, we typically advise that your new interest rate should be at least 0.5% to 0.75% lower than your current rate, depending on how long you plan to stay in your current home. Additionally, we've noticed... READ MORE