Ownership Mortgage

Unsure as to how to much your mortgage payment will be? Use our Calculators at https://www.ownershipmortgage.com/mortgage-calculators/ to find out!

Refinancing your mortgage is a common practice used to lower monthly payments, interest rates, lower your DTI and more. Read about refinancing, how it works, cost and more by clicking here: https://www.ownershipmortgage.com/mortgage-basics/refinance/

Do you know what an Acceleration Clause is? Learn this and more mortgage terms here: https://www.ownershipmortgage.com/mortgage-basics/glossary/

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible while helping borrowers overcome the frequent roadblocks that can arise while securing a loan.

Which mortgage is right for you? We’re here to help you choose the best type of home loan for your needs. https://www.ownershipmortgage.com/loan-programs/

Happy New Year from Ownership Mortgage!

Happy Holidays and Merry Christmas from Ownership Mortgage!

Is your heating equipment working properly? Remember to get your furnace inspected annually by a professional to ensure it’s in good shape. The older the furnace, the more important this service is! Here are more home heating tips: Replace your filter. Check register vents. Be cautious of carbon monoxide and use safety with space heaters.

With colder weather comes the risk of freezing pipes. If you ever find that your pipes are frozen, here’s how you can safely thaw them out:

CAUTION!: Before you try any of these methods, first open the faucet the frozen pipe supplies. The steam you create while heating the pipe can burst the pipe if it doesn't have an escape.

Method #1: Use electric heat tape on the pipe, and wait for it to thaw out. This is a good method to use because it slowly thaws the pipe, which means it reduces wear and tear on the pipe itself.

CAUTION!: Remember to use only heat tape certified by a nationally recognized testing laboratory for use with mobile homes. Be careful never to wrap the heat tape back over itself. This could cause the heat tape to overheat and start a fire.

Method #2: Wrap the pipe with several layers of cloth or toweling and pour hot water over the cloth / toweling. Repeat several times until the pipe is unfrozen.

Method #3: Direct a heat lamp on the pipe itself. Place the lamp at least a foot away from the pipe. Cover adjacent areas with a layer of aluminum foil so the heat does not scorch these materials. Make sure the heat lamp is on dry ground. Even better, plug it into a ground Fault Circuit Interrupter (GFCI) outlet.

CAUTION!: Do not use any direct heating method if the frozen pipe is next to a gas pipe! Call a professional for help.

Method #4: Hold a hand-operated hair dryer to the pipe, and slowly move up and down the length of the frozen section. Make sure you are standing on dry ground. Because you are working this close to water, plug the dryer into a GFCI protected outlet.

You will know the pipe is thawed out when water starts to trickle out of the open faucet. Let the water run for a while to completely clear the pipe. Then, close the faucet and check for leaks.

CAUTION!: Do not use a propane torch to thaw out frozen pipes. Do not use a propane torch even if it has a fire spreader attachment. This is not only a fire hazard, bit it's also a quick way to destroy your plastic plumbing pipes.

Lighting candles can make your home look festive and smell amazing, but it’s important to practice these safety tips to avoid starting a fire: https://bit.ly/3f4pTu3

According to the National Fire Protection Association, all chimneys should be cleaned at least once a year. Whether it’s gas or wood burning, here are some important routine maintenance tips for your fireplace: Clean the fireplace regularly. Clean the exterior hearth regularly. Clean the glass doors when necessary and get the chimney swept annually.