Julie Campbell Home Mortgage Loans Brigham City Utah

Home Mortgage Loans

  • Home
  • About
    • About Julie
    • Privacy Policy
  • Mortgage Info.
    • First Time Home Seller Tips
    • First Time Home Buyer Tips
    • Closing Costs
    • Home Appraisal
    • Home Inspection
    • Interest Rates
    • Loan Checklist
    • Loan Process
    • Loan Programs
    • Mortagage Glossary
    • Mortgage FAQ
  • Apply
  • Blog
  • Contact Us
I love working with clients to make their home ownership dreams come true
LET'S TALK
Classic american house exterior with garage and driveway
home
Get a Rate Quote
Want a quick quote? Fill out this form
What's My House Worth?
Find out today!
Have questions?
Ask us today!
apply
Apply Now
Ready to get started? Click here!
Slider

Let There Be Light! 3 Easy Ways to Make over a Room by Adding New Light Fixtures

January 22, 2021 by Julie Campbell

Let There Be Light! 3 Easy Ways to Make over a Room by Adding New Light Fixtures Light is an important design element that can be used to influence your interior decor in a number of ways. In fact, you can experience a major transformative change on the overall style and ambiance of a room by making a few simple lighting changes. Consider how these ideas can help you to improve the look of your space with great results, and think about ways that you can improve your space by making a few changes.

The Addition of Spotlights

If you have fine pieces of artwork, decorative display areas or other features that you want to illustrate with beautiful clarity, the addition of spotlights is a great idea. You can shine light on these special features in your home by installing a single, bright fixture with a focused beam overhead, or you can use track lighting to highlight larger features. In some cases, the design or layout of your room may be sufficient to allow lighting to be placed at eye-level or even below the fixture to shine upward at it.

Background Illumination

While spotlights can shine a focused beam of light on fixtures, you can also use background lighting for ambiance. Consider how you can incorporate background lighting with under-cabinet kitchen lighting, dimmer recessed lighting placed behind a sofa or other features. Generally, these are lights that do not provide direct lighting, and the light may not be the main source of light in the room. It may even have a hint of color to it for a dramatic flair that further establishes ambiance.

Beautiful Lamps

Another idea is to use beautiful or decorative lamps in your room. These may be smaller desk lamps, towering floor lamps or table top lamps. There are lamps available in a wide range of colors, sizes and styles. The lighting from the lamps may influence ambiance and provide functional lighting, but the decorative nature of the lamps themselves can enhance the décor even when the lights are not turned on.

There are many different types of lighting that can influence your home’s décor, and in many cases, it makes sense to incorporate each of these styles of lighting in a single room to enjoy different benefits. You can study your rooms’ layouts and designs today to learn more about how the existing light fixtures influence decor, and you can make a few appropriate changes to enjoy better overall results for your space.

Filed Under: Around The Home Tagged With: Around The Home, Home Maintenance, Upgrades and Renovations

Understanding The Role Of A Mortgage Prepayment Penalty Fee

January 21, 2021 by Julie Campbell

Understanding The Role Of A Mortgage Prepayment Penalty FeeWhen people take out a home loan, it is important to think carefully about how the home loan works. At first, the majority of the monthly payment is going to go towards interest. For example, it is not unusual for 90 percent of the monthly mortgage payments go toward interest during the first year. Then, during the latter part of the loan, most of the payment is going to go towards paying off the principal.

Therefore, it should come as no surprise that a lot of homeowners are looking for ways to reduce the amount of Interest they pay on a home loan. 

For example, some homeowners consider putting a larger down payment on the home in order to reduce the amount of money they have to pay in the form of interest. Another possibility involves paying off the mortgage early; however, a mortgage prepayment fee may apply. 

What Is A Mortgage Prepayment Fee?

A mortgage prepayment fee is exactly what it sounds like. This is a fee that some homeowners have to pay if they end up paying off their mortgage early. For lenders, they know that a lot of the money they are going to make comes in the form of interest. Therefore, they also understand that if their home loan gets paid off early, they are going to lose a significant amount of money. Therefore, as a way to disincentivize homeowners from paying off their home loan early and posting them interest, they apply a mortgage prepayment fee. 

When Will A Mortgage Prepayment Fee Apply?

Of course, it is also important for homeowners to take a look at the contract carefully and see when a mortgage prepayment fee applies. For example, if homeowners are paying one extra monthly payment per year, then it is highly unlikely that a mortgage prepayment fee is going to apply when the home loan gets paid off early. On the other hand, if a homeowner is looking to pay off an entire home loan in 3 years, then there is a high chance that a prepayment fee is going to apply. In order to avoid this mortgage prepayment fee, every homeowner has to take a look at their contract carefully.

 

Filed Under: mortgage Tagged With: Mortgage Fees, Mortgage Prepayments, Mortgage Tips

Next Page »
Julie Campbell

Contact Julie

Loan Officer


Intercap Lending
Brigham City, UT
Call (435) 723-3451
Call (801) 388-6732
Personal NMLS# 299573
Download the Homebuyer App

Connect with Me

How can I help?

  • This field is for validation purposes and should be left unchanged.

Calculate Mortgage Payments

Mortgage Calculator
Perfect Listing Presentation

Categories

Quick Links

  • Accessibility Statement
  • Privacy Policy
  • Licensing
  • Complaints
  • About Julie
Equal Housing Lender
Intercap Lending NMLS# 190465
• nmlsconsumeraccess.org

Our Location


83 So. Main Street
Brigham City, UT 84302

Copyright © 2021 · Powered by MySMARTblog