Jim The Mortgage Man Blog

Jim Pettit - The Mortgage Man Akron OHMy name is Jim, better known as “The Mortgage Man,” which stems from my 30+ years helping people get the best financing for their new home purchase or mortgage refinance.

I have been in this business a long time.

In good times, and bad.

I have basically one primary goal … home ownership with the very best financing that meets each of my client’s individual needs.

With decades of experience in executive banking and lending across the country, I have a unique perspective into all the factors that should be considered when you seek financing.

I truly understand that purchasing or refinancing a home is a major decision, and that this business is fraught with misleading information and confusing numbers.

This is the reason I strive to make certain the loan decision is made based on full understanding, with full disclosure and transparency.

Your happiness is far more valuable than a less-than-perfect mortgage. I could not sleep at night unless I knew I had done the absolute best for you, my client.

That’s why I have so many repeat clients.

And why I sleep very well.

Let’s Talk

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Follow This Great Article About Home Mortgages To Help You

While everyone knows you need a mortgage to buy a home, many people don’t know that there are ways to save money on a home mortgage. Rather than letting the lender guide you through every step of the process, you should understand at least the basics to get the best deal possible. Continue reading to learn all about it.

Do not borrow every cent offered to you. The mortgage lender will tell you how much of a loan you qualify for, but that is not based on your life–that is based on their internal figures. Have an overall picture of your financial situation, and what you know will be affordable going forward.

Before attempting to secure a loan, you should take the time to look over your credit report, as well as making sure that your financial situation is in perfect order. The ringing in of 2013 meant even stricter credit standards than in the past, so you need to clean up your credit rating as much as possible in order to qualify for the best mortgage terms.

Gather your paperwork together before applying for a mortgage. You are just wasting your time and everyone else’s if you go to your loan interview without proper documentation. The bank needs to see every one of these documents. Make sure you bring them when you go to your appointment.

You may be able to get a new mortgage thanks to the Home Affordable Program, even if your loan is more than the value of your home. This new opportunity has been a blessing to many who were unable to refinance before. Look at this option if you’re in a bad situation, as it might help you to improve your financial picture.

If you hope to be approved for a mortgage loan for a home, then you need a long-term work history on record. In many cases, it’s the norm for a home lender to expect buyers to have been in their job position for two or more years. Changing jobs often could make you ineligible for mortgages. Also, never quit a job while applying for a loan.

A mortgage gets you a home. Now that you are better informed, you will be able to make wise mortgage decisions. Enjoy your home for many years by following the great advice above to get the mortgage that is right for you.

Expert Advice To Help Your Home Improvement Success

TIP! Sometimes, you only need one little improvement to raise a home’s value. If you want to sell your home, think about doing some small home-improvement projects.

Have you heard countless horror stories with regards to home improvement? Research can save a lot of grief. In the article below, you will be given the information you need to succeed in repairing your home.

TIP! When renovating your home, be sure to think about the value of personal touches and those that will give you a better return on investment when you sell the house. By nature, a design feature that is personal to you is less likely to feel personal for someone else, and therefore, it may deter interested parties from buying your home.

Put nail holes into the paint can’s rim. A common problem that occurs with paint cans is that paint spills from the can as the lid is replaced, thanks to a channel in the can. Driving several holes in the circumference of the lid should do the trick.

TIP! It’s a good idea to use many fans during the summer months. Ceiling fans especially help keep the air in a room circulating and therefore help keep the room cooler.

Adding attic insulation can help you save money on winter heating bills. The amount of heat that rises and is lost through the attic in the home will add up quickly over the years. Most hardware stores sell insulation, and installing it yourself is relatively simple.

TIP! Lampshades with simple designs give no life to the room. You could easily create an original lamp sage with some acrylic paint and some stencils.

Located above eye level and therefore out of mind, gutters, chimneys, and downspouts are often ignored during home improvement and maintenance projects. The safety of your home depends on the proper cleaning and repair of these essential items. Chimneys are fire hazards if they are neglected. Downspouts and gutters can become useless due to debris, which in turn, can cause water damage.

TIP! New floors can update your home. Reputable flooring companies install hardwood, carpet or tile flooring just in one day.

Chair cushions eventually flatten after they are used for a while. A good way to restore such cushions is to place them outdoors in the sunshine. This will help dry out any moisture that is flattening them. Flip the cushions and don’t leave them out in the sun too long, since they may become faded.

TIP! Even a novice at home improvements can fix a leaky faucet. If you can repair and fix these quickly, you can conserve water and not waste money.

Thus, sharp and attractive front doors are able to substantially boost a home’s value. Update the appearance of your entire house by installing a brand new doorknob and matching lock to your front door.

Natural Materials

TIP! When painting your house or just a portion of it, calculate how much paint you’re going to need. Avoid looking at a job and guessing as you will spend too much money.

Natural materials are extremely flexible and great for the interior of the home when your budget will allow such purchases. Real building supplies like wood and stone are much better than using synthetic ones. They are also much better looking, and also longer lasting. While natural materials may cost more up-front, they will cost less in the grand scheme of things since you won’t have to replace them as often.

TIP! You should put water resistant wall boards in when you are doing plumbing improvements. Water resistant wall board, also referred to as “green board” to contractors, is better able to withstand wetness and humidity.

As mentioned earlier, home improvement disaster may be avoided with proper research and planning. Since you have read through this piece, and been given these tips, make a move on getting those projects underway.

Save Money With Coupons Like The Experts

TIP! Always take the time to search product websites for coupons and deals before committing to an online purchase. Most stores are in heated competition with one another, so you might be able to find huge savings by doing a little bit of research.

Coupons can help you realize great savings. You may only use them occasionally when eating out at a favorite restaurant. You may be one of those shoppers who dedicates Sunday mornings to scouring the newspaper for coupons. Regardless of how good you are at using coupons, the tips that follow may help you do better.

TIP! Use the cutthroat tactics of grocery store competition to your advantage. Coupons that one store takes may be honored by a store that they compete with.

Use a search engine to find discounts or coupons for online retailers you customarily patronize. Many times, coupon codes reduce the price of items at a website when you enter it at checkout.

TIP! As popular as the Sunday paper used to be to find coupons, the Internet is the best resource nowadays. There are many money-saving coupon opportunities online with regards to food and clothing.

Look for local stores that will accept coupons from their competitors. This will help you save time and you won’t have to travel all over town using your coupons. If you find that your neighborhood store will accept the competitor coupons and perhaps even double them, you have found your go to store!

TIP! Set aside one day of the week for coupon activities. This can help you make things more efficient.

Take some time to write up a list to take along when you are shopping with coupons. You will also want to keep your coupons handy so that you can check the item off the list and make sure you have the coupon to go along with it. Keep tabs on what you’re buying, how much of it you’re buying, and which coupons you’re using.

TIP! Sign up for an online community that shares information on deals. You can find hundreds of different online locations created for the sole purpose of coupons and saving money.

Supermarkets are quite competitive, which is something that can work in your favor. Many stores may be willing to accept competitor coupons. By using this to your advantage, going from place to place to save the most can be avoided. If you drive to multiple stores, you may end up erasing the savings achieved through couponing.

TIP! Make sure you check your coupons for expiration dates. There are coupons out there that might only be good on a given day.

It’s a good idea to have your coupons easily accessible whenever you go shopping, even if you have no specific plans to use them. You may well run into an un-advertised in-store sale on an item you have a coupon for. If you can grab the applicable coupon out of your car when you find this kind of opportunity, you stand to save a lot of extra money!

TIP! Before you cut out any coupons shop for a bit, then cut out the coupons that match what you are buying. By visiting a couple of different stores, you might be able to save a lot more than doing all your shopping at just one store.

You might use a coupon once in a while, or on every shopping trip. No matter how involved you are, you can up your game by using the advice found here. A quick review of the information in this article is sure to inspire you to new heights of savings.