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Save Money on Your Mortgage
by: Kevin Adelsberg
Save Money on Your Mortgage
Copyright © 2005 Kevin Adelsberg
Fast eMortgage
http://www.FasteMortgage.com
Many Americans love to treat their mortgages like some of their
favorite kitchen appliances - they want to "set it and forget
it." Paying close attention to your monthly statement can
actually protect you and your family. And using a few simple
tricks can actually help you save a significant amount on your
monthly expenses.
Say Goodbye to PMI. You may not notice it in the crush of your
monthly mortgage statement, but many Americans pay for a line
item called PMI. PMI stands for "personal mortgage insurance,"
and lenders impose it on customers who have less than twenty
percent equity in their homes. If you took advantage of a low-
money-down offer, the PMI will protect the bank if you go
bankrupt. Once your equity has risen above twenty percent,
call your lender to cancel the PMI - you no longer need it.
Get Rid of Force Place Insurance. If you ever happen to let your
homeowner's insurance lapse, your mortgage lender can legally
protect their assets by imposing a force-place insurance policy
on your account. A force-place insurance policy doesn't cover the
loss of your belongings in case of fire or theft. And you may
have to pay about four times as much per month for force-place
insurance than you would for the cheapest homeowner's policy.
Keep your homeowner's insurance current, and notify your lender
immediately if you see a line item for force-place insurance on
your bill.
Check for Stealth Benefits. A growing number of mortgage lenders
have grown some non-traditional revenue by selling other products
and services to their clients. Sometimes, you may not realize
you're getting billed for features like roadside assistance or
travel agency services when you receive your monthly statement.
Scan your bill carefully each month and call your lender to
question anything on your bill that looks unfamiliar or
unauthorized.
Pay Your Mortgage Every 15 Days. A growing number of homeowners
use this trick to shave thousands of dollars in interest off
their mortgage expenses. If your mortgage payment is due on the
30th of every month, and your lenders receive your check on the
30th, everything's running according to schedule. But, if you
split your payment up so that they receive half on the 15th and
half on the 30th, you no longer have to pay interest on the
half-payment you made in the middle of the month. Although your
monthly budget stays the same, these little savings can add
up to big windfalls over the course of a thirty-year loan.
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Kevin Adelsberg is a writer for FasteMortgage.com.
For additional articles and an extensive resource
for everything about mortgages, please visit us at
http://www.FasteMortgage.com
|
Kevin Adelsberg is a writer for FasteMortgage.com.
For additional articles and an extensive resource
for everything about mortgages, please visit us at
http://www.FasteMortgage.com
Contact him at http://www.FasteMortgage.com |
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