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Ed Pratt and Joe Vetrano

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All agents are NOT alike! Find out why we are top real estate experts. Call Joe: 760-963-0587 or Ed: 760-902-7776. (Ed).

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"Guiding us through the tedious process was a tremendous help and we couldn't have done it without your constant assistance."
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School Reports in La Quinta, Palm Springs and PGA WEST, California
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
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Real Estate Tips
Financing Your Home >Your Mortgage

Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.

More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!

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Real Estate Trivia
Q 
What 6,500 seat American theater was the location for the scene where the original 1933 King Kong breaks his chains onstage?

A 
The famous Shrine Auditorium in Los Angeles, built by the Shriners in 1906 to resemble an exotic Arabian mosque.
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Ed Pratt and Joe Vetrano, REALTOR®, real estate agents and broker for La Quinta, Palm Springs and PGA WEST California home listings, property and land for sale - NUMBER1EXPERT(tm)

Ed Pratt and Joe Vetrano
California Lifestyle Realty

50-200 Arenida Vista Bonita
La Quinta, CA 92253
Tel: 760-564-9093
Fax: 760-564-6372
Email: edprattandjoevetrano@NUMBER1EXPERT.com


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