One thing I find myself explaining to many first time home buyers is their mortgage payment, not only how much it is but what it consists of.  So I put this together in an effort to  explain the 3-4 components of every mortgage payment. Principle and Interest (P&I) This is the portion of your mortgage…

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 7 Easy Ways to Winterize Your Home   1) Change Furnace Filters Easy to forget, important to remember! 2) Reverse Those Fans! Not many people think about this one, but reversing the fan pulls will disperse the heat that rises to the ceiling and could save you 5-10% 3) Winterize Your A/C and Water Lines Simple, just…

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