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Anthony J. Bardi
Registered Representative
Enrolled Agent, LTC# 454
Tax and Financial Solutions, Inc.
151 SE 223rd Avenue
Gresham, OR 97030
Phone: 503-666-7909
January/February 2023
Home Mortgages
Whether you’re buying a house or you’re already a homeowner, your largest monthly payment generally is your mortgage. The upside is you’re building equity in your home. The downside is the substantial amount of interest you’ll pay over the life of the loan. Finding a way to reduce that amount is a smart financial move.
If You’re Just Getting Started
When you’re purchasing a home understand that mortgage rates will vary depending on the loan term —the shorter the term, the lower the interest rate and the higher your monthly payments. Saving a substantial down payment before you go house shopping also means you’ll have to borrow less.Already a Homeowner?
If you already have a mortgage, you may be able to save on interest by making extra payments to shorten the length of the loan. You can do this by putting additional money toward the loan principal each month, allowing you to pay off your mortgage faster. Check with your lender first to make sure there are no prepayment penalties.Before You Retire
If you’re close to retirement, paying off your mortgage while you’re still working makes good sense. Not having to make mortgage payments each month can substantially increase the money you have available when you retire.CONTACT US
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Tax and Financial Solutions, Inc. and LTM Marketing Solutions, LLC are unrelated companies. This newsletter was created by LTM Marketing Solutions, LLC and was not written or created by the named financial professional and does not necessarily represent the views and opinions of Cetera Wealth Services LLC or its subsidiaries. Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
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