Dear [NAME],

There are probably a lot of reasons that you invested in a home: security, stability, the benefits of accruing equity—and, of course, the pride of ownership.

But how much are you spending each month in relation to your mortgage? If you’ve been paying your mortgage on time each month, there’s a good chance that you’re eligible to profitably refinance your home—and receive the benefits of lower mortgage payments.

Allow me to introduce myself! My name is [NAME], and I am a full-service mortgage broker in your area. I’d like to get together with you to discuss your options for refinancing; together, I know that we can achieve a fantastic new loan that will save you money—now, and in the future!

As your broker, I will ensure that you are fully informed as to your best possible options, and I will advise you accordingly. You can trust that I will make every effort to make the refinancing process a success.

Give me a call today at [PHONE], or visit my Web site at [WEB ADDRESS] for more information about refinancing.

Sincerely,

[NAME]

Dear [NAME],

The purchase of a new home is so much more than the accumulation of property—it is an investment in your future. You’re a hard-working individual, and you deserve to get the most out of your money—and that’s exactly what financing a new home can do for you!

I would like to introduce myself; my name is [NAME], and I am a mortgage broker in your area. I have worked with hundreds of people such as yourself to achieve affordable and satisfactory mortgages, and now I’d like to offer my services to you as well.

Financing a home doesn’t have to be a complicated procedure, if you have the right professional to guide you through the process. You have my personal guarantee that you will receive unparalleled guidance and advice throughout the entire process.

More importantly, I will present to you the best options that are available—and I will never advise you to enter into a loan that is beyond your means or comfort level.

Let’s talk more about this in person; give me a call at [PHONE], so that we can discuss your options. After all, it’s time for you to start investing in your future!

I look forward to serving you!

Sincerely,

[NAME]

Dear [NAME],

Many thanks for expressing an interest in my services. I realize there are numerous mortgage brokers you might have chosen so I greatly appreciate the opportunity to fulfill your mortgage needs. I would consider working with you to achieve your goals both an honor and a privilege.

Feel free to contact me anytime at [PHONE], or visit my Web site at [WEB ADDRESS] for more information.

I truly look forward to fulfilling all of your mortgage needs!

Sincerely,

[NAME]

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Start A Kitchen Herb Garden

There is nothing like fresh fruits and vegetables from your own garden to give your health and taste buds a treat. Starting a kitchen herb garden is a great and easy way to give your food the fresh taste of summer all year round, and it is easy and inexpensive, too!

Pick A Spot That Gets Good Light

Most herbs require a good amount of sunlight to grow, so choosing a spot where they get direct light is important to making sure your herbs flourish. If your kitchen doesn’t get sufficient light, consider moving your herbs to a room that gets better light or purchasing an indoor herb garden kit that has a grow lamp.

Choose A Good Selection Of Herbs

While there are great herb garden starter kits that offer a useful selection of herbs, if they are not herbs you use often in cooking they are probably not the best choice. Also be sure you choose herbs that are compatible with the kind of light available in your space.

Know The Right Conditions For Growth

As mentioned, herbs need a considerable amount of sunlight, but they also require rich moist soil to grow to their full potential. Having your indoor herb garden by the kitchen sink is ideal. Also, making sure the soil gets proper drainage by planting herbs in pots with draining holes and adding stones to the bottom can make a big difference.

To Fertilize Or Not

There are a number of resources on indoor herb gardens that recommend you use fertilizers to give your herbs the maximum growth potential. However, there are many great natural choices that will not affect the taste or nutritional value of your herbs, and are better for the environment.

A kitchen herb garden is a great way to boost the nutritional value and taste of your food, and will bring some of summer’s taste and feel into your home all year!

Buying A Home That
Can Grow With Your Family

If you are a first time homeowner, or are purchasing a home after a major life change such as marriage or having children, what should you consider to be sure your new home can grow with your changing family? The time and effort that go into purchasing and decorating a new home, not to mention finding it in the first place, means that you’ll want to ensure that your home will be right for you and your family for years to come. So what should you look for in your new home so that it will give you enjoyment and be functional both now and in the future?

Size

Though a cute two-bedroom home may be right for a newlywed couple, this type of space will likely soon be outgrown if there are any children in your future or if you and your spouse like to entertain. You will also want to consider the number of bathrooms and the facilities in them. Having only one toilet or shower can certainly put stress on a growing family.

Features

Special features of a home, such as a finished basement, central air, and a large yard can make your home a more functional and enjoyable space, especially if you have or are considering starting a family in the near future. You may also want to consider the age of the home you purchase and its features or appliances, as this may lead to future costs that may put stress on your financial situation at a time when one spouse may be at home caring for the children.

Location

Location is also an important consideration when choosing a home that can grow with your family. Choosing a safe neighborhood is always an important point when selecting a family home, but you will also want to consider the proximity of good schools, community centers, and shopping. Also, facilities such as parks and libraries can make a neighborhood truly a great place for families. You may also want to consider the demographics of the area in which you are purchasing in order to be sure it is a match with your values.

As the old adage goes, home is where the heart is, and choosing a family home that is right for your family can really make all the difference in having a happy, fulfilling, and safe family life.