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Nicholas McConnell with HomeSmart Luxury Real Estate is the first and only Realtor you need to all when buying or selling property here in Arizona.  With over 25 years of experience in representing multi-million dollar properties in North Scottsdale and Paradise Valley, Arizona. I help people buy and sell homes in the below retirement communities every single day.  If you are planning on purchasing a retirement home here in Arizona, please contact me.  I will get you the best price available for your retirement home here in Arizona with firm negotiations.  I have no problem offering 20% below asking price for my home buyers.  If you want the best price available for your home here in Arizona, let me negotiate on you behalf.  The difference between an experienced Realtor like myself, and an UN-experienced Realtor can literally cost you hundreds of thousands of dollars.
 
 
480-323-5365
 
I specialize in the below retirement communities:
 
Sun City, Sun City West, Sun City Grand, Sun City Festival, Sun Lakes, PebbleCreek, SaddleBrooke Ranch, Westbrook Village, Quail Creek, Sun City Anthem at Merrill Ranch, Robson Ranch, Sunland Springs Village, Dreamland Villa, Leisure World, Canoa Ranch, Sun City Oro Valley, Trilogy at Power Ranch, Province, Fountain of the Sun, Trilogy at Encanterra, Sunland Village East, Trilogy at Vistancia, Arizona Traditions, Ventana Lakes, CantaMia, Mountainbrook Village, Corte Bella, Sunbird, Sun Village, Terravita, The Highlands at Dove Mountain, Mission Royale, Solera, Sundance, Las Campanas, Rio Verde, Winterhaven, Solera at Johnson Ranch, Springfield, Continental Ranch Sunflower, Tonto Verde, Winfield, Del Webb at Rancho Del Lago, The Springs at Santa Rita, Sonora at Rancho Sahuarita, Rancho Resort, Bellasera, Vista View Resort, Sunrise Pointe, Solterra, Legends at Santa Rita Springs, Verde Groves, Traditions at Desert Creek, Heritage Village IV, The Links at Santa Rita Springs
 
 
 

8 Ways to Pay Off Your Mortgage Years Earlier

Some are better off using the money elsewhere, but extra payments and refinancing can do a number on your mortgage.

Add something to every month’s payment. The advantage to extra payments is that all that money goes toward principal. Early in a mortgage, most of your regular payment goes toward interest. According to calculations by Bankrate.com, if you added an extra $100 to your payment of a new $100,000 30-year mortgage at 4.5 percent interest, you’d pay off the mortgage eight and a half years early and save more than $26,300 in interest.

Make a payment every two weeks. There are companies that volunteer to set this up for you, for a fee, but you can do it yourself for nothing. You’re effectively making a full extra payment each year. Paying half your mortgage payment every two weeks, on that same $100,000, 30-year mortgage at 4.5 percent, would cut just under 5.5 years off the term and save roughly $14,000, according to a calculator at The Mortgage Professor site run by Jack Guttentag. Splitting your mortgage payment into two pieces produces minimal savings.

Make extra payments whenever you can. Beck and her husband started by paying $35 extra per month, but then began making additional payments, at one point so eager to pay off the loan that they made eight payments in a month.

Make one extra payment a year. This provides about the same savings as making half a payment every two weeks. When you make the payment isn’t important. You could make it at the end of the year or wait until you get a tax refund or a bonus.

Refinance your mortgage to a lower rate, and keep making the higher payment. The amount this will save depends on the exact figures, but it should shave years off your mortgage and save you thousands in interest.

Refinance your mortgage to a shorter term. This cuts the amount of interest you pay significantly as well as getting you out of debt sooner.

Contribute funds from another source. Designate money from a bonus, odd jobs or freelance work toward paying of the mortgage. If your income is variable, rather than making regular additional payments toward principal, make one big payment when you can.

Cut expenses and put the savings toward your mortgage. Change to a cheaper cellphone plan, cut the cable cord or otherwise cut living expenses and devote that extra money to extra mortgage payments. Living a frugal lifestyle may be difficult in the moment, but it’s worth the struggle if your ultimate goal is to be debt-free.

Source: http://money.usnews.com/money/personal-finance/articles/2014/09/26/8-ways-to-pay-off-your-mortgage-years-earlier