Jim The Mortgage Man Blog

Jim Pettit - The Mortgage Man Akron OHMy name is Jim, better known as “The Mortgage Man,” which stems from my 30+ years helping people get the best financing for their new home purchase or mortgage refinance.

I have been in this business a long time.

In good times, and bad.

I have basically one primary goal … home ownership with the very best financing that meets each of my client’s individual needs.

With decades of experience in executive banking and lending across the country, I have a unique perspective into all the factors that should be considered when you seek financing.

I truly understand that purchasing or refinancing a home is a major decision, and that this business is fraught with misleading information and confusing numbers.

This is the reason I strive to make certain the loan decision is made based on full understanding, with full disclosure and transparency.

Your happiness is far more valuable than a less-than-perfect mortgage. I could not sleep at night unless I knew I had done the absolute best for you, my client.

That’s why I have so many repeat clients.

And why I sleep very well.

Let’s Talk

About Best Home Mortgages


Call The Mortgage Man Blog

Home Sweet Home, One Project At A Time

TIP! If you find water under your sink, call the plumber. For now, make sure you catch all the leaky water until a plumbing professional can come over and properly fix the problem.

You need to know how home improvements work in order to do them properly. In this article, we will present some valuable home improvement information. The advice applies to newcomers and experienced folks alike.

TIP! A great place to start your home renovations is in the kitchen. You might start off by cleaning those dingy, greasy walls.

Today’s solar panels are more efficient than ever and easier to install. This may cost you a lot of money at first, but with electricity costs going up, you may discover it saves you a pretty penny in the long run. In addition to the power you use right away, you can store extra or sell it back to the electric company to maximize your savings. This all-natural solution for energy in your home is amazing.

TIP! Use different items as your coffee tables instead of traditional store bought tables. An old camel-back trunk can make a unique coffee table while doubling as a decorative storage unit.

One great place to start a home improvement project is your kitchen. Washing your walls to remove grease stains is important before you apply any new paint in the kitchen. This may remove stains but it will also strip paint. Next, paint your kitchen for a change. Using a tan color will have an attractive and dramatic effect.

TIP! Do not underestimate the amount of effort that your project will require. Get a notebook, and list everything that must be done.

When starting any home improvement tasks, be sure to accurately assess the amount of work to be done. Create a list of all the tasks you must take care of. Don’t forget to ask a friend or family member to take a look at your list to make sure nothing was missed. By knowing everything you have to do, you can save tons of money.

TIP! Bathrooms are also key to anyone planning to flip a house. Other rooms can be easily customized, but bathrooms must be kept in good condition.

Gutters, downspouts and chimneys sometimes get overlooked during yearly maintenance and home improvements. It is important that these areas of your home are maintained so they function properly. If your chimney is not cleaned, it can catch fire and debris can clog your gutters and downspouts, which could cause water damage if they are not maintained.

TIP! Before starting a home improvement project that involves a bathroom or the kitchen, make sure that the water has been turned off. Many inexperienced homeowners have had to deal with an annoying flood because they forgot this obvious procedure at the start of the project.

It is essential that you have an idea of the tasks you must complete in order to get your home improvement project done right. The advice found in this article will help those who are new to this topic and those who are experts on it. Use these tips when you figure out what you want to work on.

Get Your Home Mortgage Questions Answered Here

Sometimes, the best things that are offered in life can be the most difficult to attain. And getting a home loan that is fantastic is not going to be easy either. Having the right understanding of all your options along with patience is the correct approach. Put the useful advice below to use make sure you are getting a great mortgage on your home.

Long before you apply for a mortgage, look into your credit report and make certain everything is in order. Credit standards are stricter than ever, so make sure that your credit is free of any errors that could prove to be costly.

Before going to a lender, get your financial papers in order. Getting to your bank without your last W-2, check stubs from work, and other documentation can make your first meeting short and unpleasant. The lender is going to want to go over all this information, so getting it together for them can save time.

Try to refinance again if your home is currently worth less money than you owe. The HARP has been rewritten to allow homeowners to refinance no matter what the situation. Discuss your refinancing options with your lender. If the lender will not work with you, make sure you find someone else who will.

Make a budget to define exactly how much you are willing to pay each month towards your mortgage. Know what your maximum monthly payment can be without bankrupting you. Despite how great that new home may appear, if you are strapped because of it, you will mots likely run into problems.

Be sure to figure out if you have had a decline in the price of the property you own prior to getting a mortgage. Even if your home is well-maintained, the bank might determine the value of your home in function of the real estate market, which could make you less likely to get your second mortgage.

If your loan is denied, don’t give up. If it happens, approach another lender and try again. Each lender has different criteria that they require in order for you to qualify for one of their loans. This means that applying to more than one lender is a good idea.

You should understand the home loan process before getting one. Securing a good loan takes patience and time. This is why this article can help. Use these tips as you go through the process.

Tips For Making Your Coupon Clipping Worth The Time

TIP! Use many coupons on an item if possible. When you use multiple coupons, you can buy more items.

When you use coupons there is the potential to save lots of money every month. Lots of people scoff at the idea of using coupons and they often overspend. This article has proven coupon advice. Read on to learn more.

TIP! Don’t always rush out to use your coupons as soon as you get them. To get the most out of your savings,wait until the item you want is on sale, and then use the coupon during the sale.

When working with coupons, it is a good idea to not always immediately use them. Waiting until the product of your choice is also on sale can make coupon savings even better. This will often double the savings, making items cheap or even free!

TIP! To get extra circulars from the Sunday papers, make inquiries with the publisher about couponer’s price breaks. Some offer them for about a buck a pop if you order at least five copies of the Sunday edition.

Use competition between stores to your advantage. For instance, your coupons for one store could be honored at the competitor down the street. By taking advantage of this, you can avoid traveling around to different stores to save money. By doing this you also take advantage of the savings in gas that you otherwise would have spent while driving to the other store.

TIP! Be certain that your coupons properly scan on checkout. A lot of the time, some coupons just won’t scan in the cash register.

Decide to give yourself some time to find coupons once a week. This should make the matter more effective. There is always something to be clipped, but one day each week should be set aside for strict devotion to finding coupons that you can use for the upcoming weeks.

Coupon Clipping Service

TIP! Many of the most successful couponers say they will “dumpster dive” for Sunday newspapers containing coupons. You don’t need to wade bodily into garbage to get what you’re looking for.

A coupon clipping service can get you more of an individual coupon that might be very useful to you. Just Google “coupon clipping service” to find the best sites. This way, you avoid the cost of having to buy multiple newspapers to take advantage of good savings.

TIP! You might have the coupon but you might not need the item; in that case, don’t buy it. It is easy to spend too much with coupons simply because you want to use the coupon.

‘Dollar’ stores can save you big money on some items. Many of these dollar stores will allow you to use your coupons on already-discounted items. These stores get name-brand closeout deals from stores that have gone out of business. You’ll really be able to rack up the savings if you can use coupons to further reduce the already heavily discounted prices of these products.

TIP! Check your coupon to make sure it is the best. There are usually a variety of different coupons offered.

Using coupons the smart way can really bring in major savings over the long haul. By using the tips and tactics listed above, you can start to save big at the grocery store any and every time you go shopping.