By Kelly Overgard, Mortgage Loan Officer, NMLS #1610871
Did you know that not only is there a best time to do something, but there are even clever ways to remember when to get those things done?
Fire safety experts recommend you replace your smoke alarm battery two times a year, and the easy way to remember to do that is when the clocks change in spring and fall.
Vehicle manufacturers suggest an oil change every 5,000 miles and new tires every 50,000 miles (depending on actual type of vehicle). High-fives help keep those numbers in mind!
Doctors advise a complete physical every few years with a focus on cardiovascular health every February. They believe it is so important, they created a massive annual campaign for American Heart Month.
As mortgage experts, we declare February “Home Mortgage Health Month” to coincide with American Heart Month. Let's face it—financial health is a big part of a happy and healthy life and can be just as important as those smoke alarms and new tires.
Every year we challenge our friends and family in the community (that's you!) to review these key things:
What are your short- and long-term personal goals?
New career
Addition to the family
Care for aging parents
Finally take that dream vacation
Look at the equity in your home and how best to use it.
What is the term of your mortgage and does that align with your plans?
Do you pay private mortgage insurance (PMI) and can it be removed?
Is your interest rate in line with the market and your goals?
Sometimes looking at these items can be overwhelming. So can stepping on the scale at the doctor’s office! But don't avoid either since both are imperative to you and your family’s health and well-being. Make sure to do your home mortgage health check now since industry experts are predicting interest rates will continue to rise. Don’t wait too long to make sure your mortgage is as healthy as can be!
For more information call 952-913-7797, email kelly@kevnikmortgage.com or visit the website www.kevnikmortgage.com/kelly-overgard
*Kevnik Mortgage is an Equal Housing Lender located at 16180 Hastings Ave SE #301, Prior Lake, MN 55372.
