Hagerstown / Washington County Maryland real estate listings, home buying, selling and relocation information

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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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Q	What does the term ARM stand for?
A	An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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The Glocker Group, REALTOR®, real estate agents and broker for Hagerstown / Washington County Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

The Glocker Group
Glocker Group Realty Results
1741 Dual Highway, rear building
Hagerstown, MD. 21740
Local: 301-745-4400
Toll Free: 800-634-1484
Fax: 301-745-5420
Email: contactus@glockergroup.com
Email SuZanne: sglocker@glockergroup.com
Email Gary: gglocker@glockergroup.com
When you work with SuZanne Glocker and The Glocker Group Realty Results, you receive top-notch, professional service from beginning to end. If we list your home, or sell you one, you will receive high quality, personalized service. We have been named in the Top 100 Agents out of 750,000 nationwide. That doesn't come from luck, but instead from hard work, diligent service, knowledge from experience, and customer dedication.

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