Doesn’t it seem that time flies? It has been one year since you purchased your home and I wanted to congratulate you on the anniversary of your home purchase. Usually the first 12 months after moving into a new home is quite busy. Hopefully you have enjoyed the challenge!

Throughout the process I made it clear that we consider you a customer for life and in this regard feel free to call or email me at any time to ask questions about your mortgage, the market, and any changes that might be occurring in your financial situation.

Many present homeowners do not realize this, but the vast majority of homes financed for those with lower credit scores can be refinanced at a lower rate after just 12 months of on-time payments if your score has increased significantly. This means that if you have paid your payments before the 15^th of each of the past 12 months with no late charges incurred and all your other payments have been made on time, we may be able to lower your interest rate.

If you are interested in using this opportunity to lower your payment or perhaps paying your mortgage off more quickly, we can help you find out your present credit score and help you determine if refinancing makes sense.

In addition, if you know of anyone who might be interested in purchasing or refinancing a home–I would appreciate hearing from you. As you know, my business is built through referrals from satisfied customers.