UPBEAT TIMES, INC. • March 2016 • 17
Advantages To Home Ownership! by Barry O'Meara •
barryo@stearns.com
SANTA ROSA, CA. ~ We leapt through February, and hopped into March.
Sonoma Coun-
ty hills came alive. With
brilliant greens, vibrant yel-
lows and
highlights of orange, the hills and vineyards came to life again. Spring is in the air. Yes, spring is back. Living in Lu- ther Burbank’s play- ground,
So-
noma County has its share of pollen. And by share I also
ment is going toward paying down mean
varieties. Long before GMOs, Luther Burbank had his fun creating CPOs; Cross Pollinat- ed Organisms. Allergy season is upon us and all that comes with it. But I will not despair; I wouldn’t want to live anywhere else. Owning a piece of this para-
dise, I like to call home, is an honor. Owning a home has so many advantages.
It adds sta-
bility to families and our lives. It builds foundations for our future, allows us to build wealth we can pass on. Home owner-
your principal balance. T at is building your equity and add- ing to your wealth. It is like a built-in savings plan. Historically, property values By paying down
appreciate.
your principal balance cou- pled with appreciation, you are adding to your net worth. Owning a home is building the foundation that establishes your wealth. Home ownership can mean
never having to ask permis- sion from your landlord again. T e mortgage you pay is yours and the appreciation in home value is yours. T is is how
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“Happiness is not something ready made. It comes from your own actions.” ~ Dalai Lama XIV UPBEAT TIMES, INC. • March 2016 • 17
ship strengthens our commu- nities and is good for our local economies. Buy local! Buying a home has its challenges, but it is not impossible. T ere are dozens of ways to fi nance a home with a small to no-down payment. Having a mortgage may seem like a heavy burden but if you weigh the advan- tages and benefi ts you will fi nd you are better off than rent- ing. When paying on a fully amortized mortgage, a portion of that pay-
wealth is built. Pride of home ownership emanates beyond our walls and refl ects into the communities we live in. Com- ing home adds stability to our lives, and a solid base to raise our families. T e fi rst step is always the
hardest, but every journey be- gins with that fi rst step. Paving that path may mean mending the path you have traveled. Credit is the big- gest
obstacle
most potential buyer’s face.
T e best advice I can give is fi nd out what is
being reported. Get your cred- it checked. Find out what you can aff ord. Find out what your options
are. Set your game plan. Make 2016 the best year of your life.
experience and... All Your Friends!
palate for the full
Bring your open
“It isn’t what you have or who you are
or where you are or what
you are doing that makes
you happy or unhappy. It is what you think
about it.” Dale Carnegie Happy
Easter! Hop On Down To T e Pub & Celebrate With Us!
JOKES & Humor # 6
When an offi ce worker arrived at his desk at
11:00, his angry boss con- fronted him. “You should have been here at 9:00!” said the boss. The employee responded, “Why, what happened?” ~
“I came from a real tough neighborhood. Once a guy pulled a knife on me. I knew he wasn’t a professional, the knife
had butter on it.” Rodney Dangerfi eld
THE MORTGAGE COACH
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