Happy (Belated) 2012!

Happy 2012 to you!  I know it’s the first of February but 2012 still feels fresh to me.  Hope you are off to a great start.

Warning – nagging just ahead:  I want to encourage each and every one of you who has a mortgage to think about whether you should refinance.  Even if you think you have a great rate – like 5% on a 3 year fixed – there may yet be a better deal out there.  Over the last several weeks we have seen rates as low as 3.75% on 30 year fixed mortgages.  So if you are not currently below 4.5% on a 30 year fixed, you might want to check on things.  I am happy to run values and recommend mortgage professionals to help.  (I apologize to those of you who have already read and heeded my encouragement on this subject or who are not in a position to do anything at the moment.  Repetition is so boring but I keep finding people who have not taken care of this and we are talking about big savings.  For example, the savings of a 1% reduction in interest rate is about $416/month on a 500k mortgage.  1.5% is over $600/month!)

Also, I want to mention that I have great referrals for just about everything to do with your home – cleaning, gardening, repairs, roofing, remodeling, etc.  Last week, one Client in the Know asked me to introduce her to another to apply for a job at his company.  They are currently in talks.  Whatever the need, I am always happy to hear from you and offer my connections and recommendations and to hear about your favorite service providers.