Flagstaff, Parks and Munds Park Arizona real estate listings, home buying, selling and relocation information

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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 real estate term was first used in the 19th century and means "a high-flying flag on a ship"?
A	Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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The Gary Nelson Group, REALTORŽ, real estate agents and broker for Flagstaff, Parks and Munds Park Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

The Gary Nelson Group
Russ Lyon Realty of Flagstaff
2076 S. Woodlands Blvd Suite 101
Flagstaff, AZ 86001
Phone #: (928) 779-5966
Fax #: (928) 556-3100
E-mail: garynelson@NUMBER1EXPERT.com
Let our team of experts help with the purchase or sale of your home! We are a team of 2 Associate Brokers, a Marketing Coordinator, a Transaction Coordinator, a Buyers Specialist and an Administrative Assistant. Together we have over 60 years of experience in the Northern Arizona real estate market. This extensive experience is an invaluable resource to buyers and home sellers. A life-long resident of Flagstaff, Gary Nelson is an Associate Broker at Russ Lyon Realty. He is a Certified Residential Specialist and also has the GRI, e-Pro and ABR designations. He has served as Chair of the Northern Arizona Multiple Listing Service in 1998 and was President of the Northern Arizona Association of Realtors in 2001. He presently is a director with both the Arizona Association of Realtors and the National Association of Realtors.

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NUMBER1EXPERTS™ in real estate for Flagstaff, Parks and Munds Park, Arizona, Land, vacation, second home

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