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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Fahrner Home Team, a proven O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois NUMBER1EXPERT™ Top Selling real estate agent.

  • Find O'Fallon, Swansea, Shiloh and Scott Air Force Base Homes - Find O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois real estate listings & homes for sale provided by The Fahrner Home Team, your local expert real estate agent.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from The Fahrner Home Team, a proven O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from The Fahrner Home Team, a proven O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois NUMBER1EXPERT™ Top Selling real estate agent.

  • O'Fallon, Swansea, Shiloh and Scott Air Force Base Information - Find local information on O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by The Fahrner Home Team, a proven NUMBER1EXPERT™ Top Selling real estate agent.

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  • About The Fahrner Home Team - Information about The Fahrner Home Team including testimonials, guarantees, credentials, and contact information. Learn why The Fahrner Home Team is a proven O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois NUMBER1EXPERT™ Top Selling real estate agent.

 

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School Reports in O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois
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Real Estate Tips
Financing Your Home >Your Mortgage

Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.

More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!

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Real Estate Trivia
Q 
What does the abbreviation PITI stand for?

A 
Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
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The Fahrner Home Team, REALTOR®, real estate agent and broker for O'Fallon, Swansea, Shiloh and Scott Air Force Base, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

The Fahrner Home Team
Strano & Associates

4505 N. Illinois
Swansea, IL 62226
618-973-8002
Fax: 618-355-7790
Judy@JudyFahrner.com


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