WITH AMANDA HEATH
Listed at $599,000 • 4 Bedrooms • 2½ Bathrooms
MAINTENANCE FREE LIVING BY DOGWOOD HOMES!
Rare opportunity for high end new construction near Tanglewood Park. Enjoy a maintenance free yard! HOA fees include mowing, fertilizing and pine needles. This quaint neighborhood backs up to the enchanting Tanglewood Park, and offers so much to homeowners with its close proximity to shopping, dining, local businesses, and, of course, the park! The lots and homes have been designed to provide a low-maintenance lifestyle. ML open concept living with high end finishes throughout! Kitchen has pantry, gas range, vent hood and plenty storage space! ML laundry room has cabinets with hanging bar and sink! ML primary ensuite offers beautifully appointed bath w/double sink vanity, private water closet, walk-in tiled shower and large walk-in closet. Upper level has 3 bedrooms, bath, office & loft!
Did you know...for every transaction I close, a donation is made to the Bank and Samaritan Ministries in an effort to give back to the community. CELEBRATING NATIONAL DAYS… LOCALLY!
Follow along on my social media to see which local venues I will be highlighting this month!
July 17th • National Hot Dog Day
July 30th • National Cheesecake Day
RECIPE CORNER
Recipe from OurState.com
DIRECTIONS:
INGREDIENTS:
Salad:
• 1 lb. Neese’s Country Sausage
• 6 ears of corn, shucked and ends trimmed
• 2 cups (1 pint container) cherry tomatoes, halved
• 1 (16-ounce) bag arugula
Lemon-basil Vinaigrette:
• 2 lemons, halved ½ cup packed fresh basil leaves
• 2 Tbsp. minced fresh parsley leaves
• 1 Tbsp. honey
• ½ cup extra virgin olive oil
• Salt and pepper to taste
Shape your sausage into eight two-ounce patties. Refrigerate while you heat grill to 450°. Remove any visible seeds from each lemon half. Place cut-side down onto the grill in the hot spot and caramelize, about 2 minutes. Rotate 90 degrees and grill 2 more minutes. Remove and set aside until cool enough to handle. Grill sausage patties until the centers reach an internal temperature of 160°. Remove from the grill and set aside. Grill the corn until bright yellow and tender, 15 to 20 minutes. Remove from grill and let cool. Squeeze lemon juice into a blender and puree with the remaining vinaigrette ingredients. Adjust seasoning to taste and set aside until ready to use. Cut the corn kernels off the cob and place in a large bowl with halved cherry tomatoes. Cut each sausage patty into quarter pieces and set aside. In a serving bowl, arrange arugula and drizzle with vinaigrette. Top with the corn and tomato mixture and sausage pieces. Drizzle with more vinaigrette and serve.
Refinancing your mortgage is expensive, especially if you just want to lower your monthly payments. Closing costs can be in the thousands of dollars because you’re essentially applying for a new loan. Is there another way to lower your monthly payment? Yes: You can recast your mortgage.
In simple terms, a mortgage recast involves making a lump-sum payment toward the principal balance of your loan which the lender uses to create a new amortization schedule which will lower your monthly payments.
Every mortgage has an amortization schedule that directs part of your payment to reducing principal or toward paying interest. These amounts change slightly every month, until your payments go from paying mostly interest to paying down your principal. With a recast, your interest rate and term remain the same, but your monthly payments are lower because you paid a lump sum toward the principal.
To qualify for a recast, you’ll need a minimum of $10,000 and you’ll pay a service fee of approximately $250. Though the recast isn’t a new loan, you must qualify to get one:
1. Lenders may have differing requirements and fees, from the amount of the lump-sum payment, to how many ontime payments you’ve made, to how much equity you have in your home.
2. Recasts are not available on government-guaranteed loans such as FHA, VA, or USDA.
When you receive a bonus at work or decide to close out your savings, it’s a great idea to build equity in your home.
