Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.
Your packet will be sent to the email provided. Let us help you get started now!
kcangel99 from Tigard, OR
Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.
See the step-by-step to getting into your new home.
Ready to get started? Our online application is easy to follow.
Estimate monthly mortgage payments for various price ranges.
Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.
Your packet will be sent to the email provided. Let us help you get started now!
kcangel99 from Tigard, OR
Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.
See the step-by-step to getting into your new home.
Ready to get started? Our online application is easy to follow.
Estimate monthly mortgage payments for various price ranges.
Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.
Your packet will be sent to the email provided. Let us help you get started now!
kcangel99 from Tigard, OR
Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.
See the step-by-step to getting into your new home.
Ready to get started? Our online application is easy to follow.
Estimate monthly mortgage payments for various price ranges.
Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.
Your packet will be sent to the email provided. Let us help you get started now!
kcangel99 from Tigard, OR
Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.
See the step-by-step to getting into your new home.
Ready to get started? Our online application is easy to follow.
Estimate monthly mortgage payments for various price ranges.
Congratulations on your start in the journey of homeownership. PRM is here to help you through the process. Fill out our contact form and you will be instantly emailed an informational First-time Homebuyer packet you can download to help you start your journey.
Your packet will be sent to the email provided. Let us help you get started now!
kcangel99 from Tigard, OR
Anette and her team exceeded our expectations every step of the way. They were patient with our questions and quick to respond to emails and phone calls. Anette was kind and generous with her time, and extremely knowledgeable throughout the process. I would recommend Anette without hesitation.
See the step-by-step to getting into your new home.
Ready to get started? Our online application is easy to follow.
Estimate monthly mortgage payments for various price ranges.
Your financial well-being should be one of your highest priorities, and the decisions you make today will determine how your finances will be in 2019 and beyond. Here are some tips for staying out of debt for a prosperous year:
Utilize a cash-out refinance with PRM to help pay off debt in 2019. Consolidating your debt with a cash-out refinance can be a win-win. You will be able to use the equity your home has built up to contribute towards debt and potentially get a lower interest rate. This could lower your current mortgage payments and give you the ability to consolidate debt all at once!
Share your situation with an objective third party, someone who you know is in a better financial position than you. You want the best advice you can get. Schedule monthly progress meetings to ensure you remain on track. It can take years to pay off large debts, so it’s important to have an accountability partner who can help you stay focused.
If you do not have a budget, there’s no time like the present to get started taking control of your finances. Planning and documenting your needed expenses versus what you truly spend will help you start the New Year on the right foot and set you up for future financial success. To spend wisely, remember to weigh your needs versus wants, and prioritize certain purchases. You are in control of your money, so let it work for you and not against you.
Expect the unexpected! It’s important to have a barrier between an emergency and your credit card. You definitely don’t want to get more into debt because of an unfortunate surprise expense. A good rule of thumb is to have three to six months of living expenses, but if that’s too much, set a goal of saving of a least $1,000, and work up to more. The best way to start saving is to set up an automatic savings plan that transfers directly from your checking account into your savings account. Set it and forget it! You can even start with as little $25.
Can’t pay it off in 30 days? Don’t buy it. It seems basic, but it’s a powerful truth many people learn too late. Think before you buy. Before making a purchase, ask yourself, “do I really need this?” Make some calculations before using your credit card and wait until you have the cash instead. Studies show people spend significantly less when purchasing with cash instead of a credit card.
It pays to make sure you have the cash on hand that you could theoretically use to make a purchase before you put it on plastic. This strategy empowers you to enjoy the benefits of credit cards (including the potential to earn rewards, including cash back on purchases) while ensuring you won’t be faced with a credit card balance you can’t pay in full.
Stay tuned for 5 More Tips for Staying out of Debt in the near future! As always, contact us or fill out the form below with any questions – we are here to help you!
