Central Keystone Living Fall 2021 - 21

Time to Lock-in!
If you have an adjustable-rate mortgage
that is due to increase, a fixed rate
mortgage is a great option to stabilize
your monthly payments. Even though
an ARM may start with a lower interest
rate, today's fixed rate mortgages could
even be more affordable.
Refi 101!
There are some things to gather for your refinance process
but reaching out to knowledgeable professionals is key to
your successful refi.
Make sure to have a copy of your house deed, two years
of W-2 or tax returns for each borrower, one month of pay
stubs for each borrower, the balance of the payoff for your
existing mortgage, some proof of your assets, and your title
abstract. Taking advantage of lower interest rates may be
one of the best choices you make to ease into the new year!
" With every mortgage payment, you build equity in
your home. Equity is the difference between how much
your home is worth and the remaining balance on your
mortgage.
You can use your home's equity to pay for things like
home improvements, a special vacation, a wedding,
college, medical bills or some other type of unexpected
expense. You can even use it to pay off your first
mortgage!
When you partner with Members 1st, there are
no closing costs to you as the homeowner, unlike
traditional mortgages which incur closing costs.
Home equity lines of credit can also be less than the
typical 30-year term that is available with a traditional
mortgage refinance.
With interest rates at historic lows, a traditional
mortgage refinance can be smart, especially if you have
not refinanced in a while and you have a high interest
rate or you are looking for a longer term to stretch
the payments over. Whether you choose a traditional
mortgage refinance or a home equity line of credit, our
team at Members 1st is here to guide you every step of
the way. Learn more at members1st.org. "
Laura Becker, Relationship Officer with Members 1st
3451 Simpson Ferry Road * Camp Hill, PA 17011
MIMI THORNE
Cabinet Sales Manager
717.409.0715 * MThorne@msbs.net
HarrisburgBuilders.com 21
Everyone
WELCOME
-HOME-
4712 Smith Street | Harrisburg, PA
(717) 652-2663 | www.yingsthomes.com
http://www.yingsthomes.com http://www.HarrisburgBuilders.com
Central Keystone Living Fall 2021

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