My Experience, Credentials, Track Record, and Awards
 I have held an active salesman's license since 1992 and obtained my broker's license in 2001. I have been a consistent top producer year after year with my company. I pride myself with being very knowledgeable about the Real Estate business. My goal is to make the buying and selling of Real Estate a positive experience. This can only be achieved through good communication--communication that extends to the title companies, lenders, surveyors, inspectors, cooperating brokers, and most importantly, the client. Buyers, I go the extra mile when working to find your permanent, retirement, or second home. I am a member of the Highland Lakes Board of Realtors, and I make all listings available to you, regardless of which company has the property listed for sale. Sellers, I will provide you with a comprehensive comparative market analysis so that you can make informed decisions on what to ask for your property. I aggressively market your property over the Internet and through more traditional advertising methods.
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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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What five basic components of a "smart home" can be controlled by technology?
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Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home". |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
