Happy Easter From the Lester Wilkins Mortgage Team

I hope you and your family have a blessed and Happy Easter!

Possible Tax Deductions

Check out this short video for possible deductions when you do your taxes.

Time to Update Your Info

I hope your 2015 is starting off well.  With the new year here we need to update some of your information.  Please call my staff today to see what you need to update 810-987-1200.

Merry Christmas!

Everyone on the Lester Wilkins Mortgage Team would like to wish you a very Merry Christmas and a prosperous 2015!

I am grateful for you!

Happy Thanksgiving!

Is it Time to Refinance?

Is it Time to Refinance?  More Homeowners Are Doing Just That, and Here's 4 Reasons Why In late July, the Mortgage Bankers Association reported that applications for home loan refinances have not only been holding steady, but are also on the rise. This after home loan rates hit their lowest levels of the year, many homeowners may be ready to refinance—and there are a variety of good reasons to do so. For instance, you could: Lower your interest rate, making a big difference in your monthly out-of-pocket costs for housing, meanwhile saving money on financing fees over the life of your loan.  Build equity faster. On the flip side, homeowners who are in a position to make higher monthly payments could switch from a longer to shorter term mortgage, where available.  Change your loan program from an adjustable rate mortgage (ARM) to the stability of a fixed rate mortgage, taking advantage of today's low rates and loan programs. Cash out on equity you've already established for home improvement projects you've wanted to tackle, to pay off debt, or send your child to college. If you or anyone you know would like to discuss whether refinancing makes sense at this time and all available opportunities, please get in touch. I'm happy to help.

Some Productive Ways To Use Your Free Time

On rare occasions you might find yourself with a little extra time on your hands.  You can actually prepare yourself to really productive when this occurs.  Avoid the guilt of wasting this precious free time by applying the following tips.

1. Create a "To Read" File
Clip magizine articles you want to read.  Print the interesting email or report you received, but don't have time for now.  Place them in a folder called "Reading File."  Keep it with you and whenever you have a chunk of time, such as in the waiting room at the Dr. Office, you will have some quick reading.  How cool is that?

2.  Create a Calls List
Create a list with non-urgent phone calls you need to make.  Take it with you everywhere. Whenever, you have a free minute you can check off a bunch of those calls in a short amount of time.  As a bonus tip, include the contacts' phone numbers on your list.  Look at you.  You are a productivity machine!

3.  Create an Emails List
Most of us have smart phones.  If you don't call me and I will introduce you to 2003 over a dram of Scotch.  If you take the time to make a list of emails you need to make and keep the list with you, it will prove to be extremely useful.  You can knock out quite a few emails with little effort while you are waiting for your oil to be changed, or in the line at the super market.

4.  Create a "To Listen" File
I store MP3's and voicemails in here for later review. I love this for the commute to work.  You will too.  I don't care for pop music anyhow!

Bonus Tip:
In our digital world this can all be done on your smart phone.  I suggest using Evernote.  If you need any help with this please do not hesitate to give me a call and I will be glad to get you set up.