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Moorpark Short Sale Specialist
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Tax Day is Tuesday, April 18th

You've got an advantage! As a homeowner, you may include tax deductible items such as Mortgage Interest, Property Tax Deductions, and/or Mortgage Insurance on your taxes if applicable. If you are expecting a refund, you can check your refund status on the State and Federal websites.


Free Credit Report

Every year you are able to get a free credit report from each of the three credit bureaus: Experian, Equifax and TransUnion. You can visit www.annualcreditreport.com for your free report. You can either pull all three reports at once or space them out throughout the year. It should only take a few minutes.


Managing Mortgage Expenses:
How It Affects Retirement



"The best time to plant a tree was 20 years ago. The second best time is now." - Chinese Proverb

One could say retirement follows the same guidelines. It takes time and initial investments to grow in the long term, but saving sooner rather than later has its advantages. Your total nest egg (retirement savings), including supplemental income should cover your basic needs, wants and taxes. In addition, your nest egg should last in time frame you are comfortable with and take inflation into consideration.

Since a mortgage is most likely your single largest debt and monthly line item, having the right mortgage is crucial to impacting your retirement goals. Having a mortgage that fits your financial needs can impact the following:

- Your Monthly Cash Flow
- Annual Tax Deductions
- Total Net Worth
- Monthly Liquidity
- Estate and Legacy Planning

By fine tuning your retirement goals, you will pay close attention to your cash flow in your calculations. In turn, your mortgage is a primary factor in your cash flow. By controlling your mortgage, you can maintain some control of your cash flow.


If you feel you would like a check up on your mortgage, please give us a call. I consider you a client for life and I and my team are here for you if you have any questions at all.



Cheryl Hamilton
NMLS#: 170955


805-577-9105
cherylh@broadviewmortgage.com
BroadviewCerritos.com
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Home For Sale in Simi Valley, Please don't hesitate to call if you have any questions or would like to set up a showing.
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Homes For Sale in Conejo Valley, Please don't hesitate to call if you have any questions or would like to set up a showing.
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