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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Three Easy Ways to Get Done with Your Mortgage

Most homeowners today could only dream of having a house until they finish making their last mortgage payment. Technically, your house is still in debt as long as your mortgage is still not complete. But how would finish a 30-year mortgage loan if you’re only getting by?

Make Some Extra

Make more of each payment, every time you pay your Georgia mortgage. That extra payment will go directly to your principal balance. So by making extra payments, you’ll decrease the months that you have on your loan. It may take some time before you can see the results, but it’s something that you can do whenever you have extra cash. You may try to cut down some of your expenses that aren’t really needed. Probably lower down your mobile plan instead. Make a list of all your expenses on a monthly basis. Rank each of them based on their priority. Then try to see of you can live without those expenses that are at the bottom of your list. This will surely help you out in saving money.

Another way to that you can make some extra payment is when you get a bonus or any benefit that you only get once every few months. You can probably save your income tax return or some of your extra pay. Doing so can raise funds to increase your payment from time to time.

Consider Refinancing

Try to consider refinancing and changing your mortgage term. According to some real estate agents located in Georgia, you can change your loan from 30- year into a 15 year- loan through refinancing. You may be getting a whole new loan, but you’ll, at least, have a chance to get a better interest term and rate. You can also try to set your mind that your mortgage loan is like a 15- year loan mortgage. You can save on the closing costs of refinancing by doing it, especially if you already have a low-interest rate. So instead of you paying the usual amount, try to add more and pay it as if you have a 15- year mortgage term.

Think of Downsizing Your Home

This may be quite difficult to do, especially if you’ve already made some good memories with the house. One of the most common reasons why people find it hard to sell their house is because they got too emotionally attached to it. However, downsizing your house can also get rid of your mortgage. You may try getting a smaller, less expensive home in cities like Savannah, as soon as you sell your larger home. You can use the profits from selling you property on more important things. You may even be able to pay all cash for your new house. You may have a new small mortgage for the new house, but at least, you’ve completely reduced your debt.

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