Archive for: August 2007

A mortgage prepayment penalty allows the lender to charge a borrower additional interest if the mortgage is repaid during a specific period of time. If a mortgage loan does include a prepay penalty, it should be clearly stated within the mortgage disclosures, mortgage …

If left to their devices, many kids would do their homework on the sofa in front of the television or sprawled out on the bed listening to their favorite CD.  If we help our kids develop good study and work …

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The process of settlement or closing puts the title of the house in your name, verifies homeowners insurance on the property, commits in writing to the terms of the mortgage and if all goes as scheduled, puts the keys to …

For most families, when the kids are out of school, the pace of the household slows down a bit. We schedule fewer activities and take more …

By the last week of August, most kids will have already experienced their first day back to school.  Hopefully, you managed to squeeze in appointments with the pediatrician for …

For many first time home buyers, deciding on the right mortgage program can be overwhelming. There was a time when choosing a mortage was a fairly simple process. A borrower had the choice of one of two options: a fixed or adjustable rate. …

Whether the work day entails commuting to a job, working out of the home, or caring for the kids and managing the household, we can all be impacted by the effects of stress and the demands of everyday life.  Though research consistently shows that stress can be detrimental …

The lazy days of summer draw to a close.  We’re back from our relaxing seaside holidays.  The sand has been emptied from our beach shoes and rinsed off our found …

Ask and you’ll find that most people have at least one collection.  Maybe it started in childhood…when we recognized that we were drawn to a certain type of animal or …