Carroll Mortgage Group
Planting Flowers can deter pests. Flowers such as marigolds and nasturtiums both have properties that help to deter slugs, beetles, and flies from ruining your gardens and being a food source that attracts other pests to the property.
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FAQs

When does it make sense to refinance?

Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation:

  1. Calculate the total cost of the refinance
  2. Calculate the monthly savings
  3. Divide the total cost of the refinance
(#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing.

Since refinancing is a complex topic, consult a mortgage professional.

What is a rate lock?

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.


thank you all so much for transitioning behind another lender and getting the ball rolling for us on day one when we contacted you
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