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.

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Stop! Before You Take On Home Improvement Projects, Read This.

TIP! Repainting the porch may be necessary in your home improvement efforts. Make sure the paint you choose is of good quality.

When you know how to change things up a bit, you can derive the maximum value of and appreciation for your living area. It’s important, though, to know what needs to be done, so you can do it correctly the first time. By doing this and using the tips from this article, your home improvement project is sure to go smoothly.

Use bleach to sanitize your commode. Bleach has a strong smell, but it is terribly effective at killing germs. If you can’t stand the smell, buy scented bleach.

TIP! Since safety should be a priority in the home, have a family meeting focused on establishing escape routes. Most people tend to panic when faced with abnormally tragic or harmful circumstances.

It is vital to get an expert’s advice for big home improvement tasks. An expert can point out how to get past stumbling blocks you may not realize will appear. You can make a huge mistake if you don’t talk with a professional.

TIP! If you leave gutters clogged, you could end up with a serious issue. Clogged gutters will overflow down the sides of your home and can even cause water to seep into your basement.

A well-built, immaculate front door can raise a property’s value by up to 10%. The finishing touches on the door also improve the look. A variety of locks and knobs are available.

Building Supplies

TIP! Do you have an old dresser sitting in your bedroom that’s seen better days? You can easily revamp any piece of furniture with a little sanding and refinishing. By refinishing furniture you already have, not only do you save money, but you get a great looking piece of furniture and the satisfaction of knowing that you made it look great.

Many building supplies for use in home improvement jobs are targets for theft. Take the time to secure all building supplies while work is halted. You can keep them in your house or garage. If you have a shed, with a lock, store them in there. If you are unable to secure your materials in the structure, then consider renting a storage container with a good lock on it.

TIP! Replace old window blinds with updated options to make a huge difference in the look of your home. Over time, blinds can become faded by the sun, and damaged thanks to children and pets.

If you aren’t happy with how your home looks, it may be time to consider a renovation. Renovations let you create the home you really want, instead of simply buying a home that fits another person’s design. It is usually a lot less stressful and expensive to renovate the home you have, rather than moving to a new home.

Finished Basement

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A finished basement adds value to any property, making it an ideal investment. You gain extra space for your family when adding in a finished basement. You can purchase necessary materials from the different discount stores. Some sources say that a finished basement can increase the resale value of a home by 30 percent or more.

TIP! Consider using white or light-colored tiles if you are replacing your roof. These lighter-colored tiles help to reflect the sun’s rays, and this means a cooler, more comfortable home and less dependence on air conditioning.

Unless you know what you’re doing, you’re unprepared. There are no two ways around it. And it’s when you’re unprepared that things start to go terribly wrong. With the tips in this article, you are now on track to be as successful as possible with any home improvement project you look to tackle.

Fight Back Against High Prices With Coupons

TIP! Use coupons whenever you can. Utilizing multiple coupons allows you to purchase more items.

The value of coupons is much more important because of the economy. To take full advantage of the couponing lifestyle, you need to set aside some time to learn all of the tricks of the trade. Check out the information below for some great coupon tips.

TIP! Perform a search engine search for all sites that you purchase an item from in order to determine if you can discover coupons or special discounts. The codes are sometimes valid for percentage discounts, free shipping, or other promotional offers.

Do not buy anything just to buy it because there is a coupon for it. It is simple for people to really waste their money with coupons simply because they buy things that are not really necessary. Just stick to the items that were already on your list and you will save more!

TIP! If there are stores that take coupons from competitors, do your shopping there so that you only have to take one trip to go shopping. For the maximum benefit, look for a store that will not only take all coupons but also accepts double value coupons.

Search for coupon codes for any item purchased online. Most stores are in heated competition with one another, so you might be able to find huge savings by doing a little bit of research.

TIP! Before you go shopping, make sure you always write out a list. Put your coupons somewhere you’ll remember them — and make the list handy to your dad when he shops.

It is not necessary to utilize your coupons as soon as you receive them. Save the most by using the coupon when the item goes on sale. That way, you can save twice as much and sometimes it will be even free.

TIP! You can play grocery chain competition and tactics to your own benefit. Coupons from one store are probably usable at a competitor.

Watch out for ways to take advantage of grocery store competitive maneuverings. For instance, your coupons for one store could be honored at the competitor down the street. This is of great advantage to you, because it helps you avoid driving all over town searching for savings. Driving from store to store can reduce your savings, so this is a great tactic to save money.

TIP! Sign up for an online community that shares information on deals. There are many online sites that post money saving coupons for items you order.

Although you can still find some great coupons in your Sunday paper, browsing the net for coupons is a much more reliable resource. There are a lot of great coupons on the Internet that can get you a good deal on clothing, toiletries and food. What’s great is that they are easy to find, and all you have to do is print them out!

TIP! Don’t just buy the product because you happen have a coupon. This is a great way to overspend and end up with a pantry full of products that you will never use.

It’s hard denying the utility coupons could bring. By using the right approach, you can save large amounts of money every month. Check out the advice in this article and you will be a top coupon-clipper in no time at all.

Never Worry About Finding A Job Again With These Tips

Not everyone knows how to go about getting a job. Knowledge is power when it comes to finding the right job and making a good impression. Continue reading to learn great advice that will help you get to where you need to be with a new position.

If you can’t find a job, try changing the strategy you’re using for job searching. Many companies simply aren’t hiring, but never give up. Explore all the opportunities that surround you, and consider taking any that you can afford.

Speak with family and friends when searching for a job. These people might know someone who is looking for a person with your qualifications. A lot of people skip that step, but you need to start at that point; many employers are friendlier to those recommended than to total strangers.

TIP! Take advantage of the resources of LinkedIn. The section about Questions and Answers can help you to show off what you know about the field you’re interested in.

Use LinkedIn and its resources. The Q and A section is a great way to showcase your knowledge and skill. Also, you can communicate with other users and make vital contacts.

Dress to impress for an interview, even if it is somewhere that does not require you to be well-dressed every day. Nice clothes show confidence and pride. They need not be expensive, simply clean and well tended.

When job hunting, everything hinges upon your level of preparedness. Your resume should be fully current, including a strong list of qualifications. Include information about your education, degrees, certifications and commendations you have received. Including substantive references and good detail on your educational background can really help broaden the picture of your accomplishments.

When job hunting, everything hinges upon your level of preparedness. Ensure that you update your resume on a regular basis, and be careful to list every single qualification. A completed list of different activities, positions and accomplishments is a must-have. List references for previous employers and provide details about relevant educational credentials you may have.

TIP! Before your interview, think about what you want to ask the interviewer. Generally you’ll find that an interviewer will see if you need to ask any additional questions when the interview is over.

Make sure that your references are up to date. It is not a great idea for an interviewer to call references and discover the numbers or addresses are wrong. Verify that your references all have the number you remember and still live in the same place.

A good resume can get you the job you want. Make sure that your resume is organized well so that people who are looking to employ you have an idea of who you are. Include education details, work experience, and highlight your skills and abilities. Make certain your contact information is complete and correct and be sure to mention your volunteer experience.

The tips you’ve read here should help you along. You’re now more prepared to find the right job and nail the interview when the time comes! Use this information and go get your dream job!

A cover letter is an important feature of a resume, so use this to showcase your leadership skills and overall qualifications for the job in a succinct way. If they desire a person with leadership skills, be sure to mention some times that you have shown those skills. You want your skills to match those that they are specifically looking for in their ads.