Carmela, Jason and Jonathan Kaiser
is one of The Top Selling Real Estate Experts™
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Welcome > For Buyers >
Find Your Perfect Home ...
Let Us Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As top Brookhaven Township, Smithtown Township and The North Shore real estate agents, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market. We have direct access to the Brookhaven Township, Smithtown Township and The North Shore area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give us some idea of what you are looking for, We will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers.  Tell us what you are looking for! It's our job to know every property in Brookhaven Township, Smithtown Township and The North Shore, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...
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 |
In what area of the United States did the price of existing homes increase most dramatically in 2005?
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| A |
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005. |
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