1. How Much Will I Save on My Interest Rate?

It is a fact that 15 year mortgages will provide you with a lower interest rate and overall lower interest payment. However, there is a trade off, be prepared for a larger monthly payment.

2. Should I Do A 30 Year Mortgage and Make Extra Payments?

A 15 year mortgage locks you into a set payment. With a 30 year mortgage you can make extra payments which will decrease the number of years of mortgage payments, but you need self discipline to actually make the payments. You really have to look yourself in the mirror to answer this question.

3. What Is the Benefit of More Equity Sooner?

The benefit of home equity is that it provides a ready source to borrow against. Often it makes sense to borrow against yourself (via your home equity).

4. How Long Do I Want To Have A Mortgage?

Whether you are young or mature, you may want to eliminate this obligation sooner. You may, for example, want to time at the end of your mortgage to enjoy your retirement. Consider the benefits of earlier relief from this commitment, but don't forget to consider the income tax implications.

5. Should I Use My Home As A Primary Investment?

By obliging in a 15 year mortgage you are investing in real estate, perhaps leaving less for other investments. Ask yourself, "How diversified do I want my portfolio to be" before making this financial commitment.

  BretlinFloridaMortgage.com -  Home Loans - Refinancing & Purchase - Conventional, Non-conforming, FHA and VA home financing for Florida & 17 other states. Loan amounts from $100,000 to $15,000,000 - Apply here online or Call: 1-800-572-5964 - Email: info@bretlinfloridamortgage.com

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