CharterWest Mortgage, LLC
• Mortgage Purchase & Refinance
• Home Equity 2nd/3rd Mortgages
• Stated Income Purchase/Refinance
• 100% Purchase/Refinance
• Foreclosure Refinance
• Bruised Credit & Bankruptcies OK
• And More ...
A newsletter from Mary Davies to homeowners ... August 2009
Paying Off a Home Mortgage Early There
It is hard to comprehend gage calculator available on that making double pay- is noth-
the fact that most new our web site (charterwest- ments each month would ing more
mortgages are written on a mortgage.com) that can tell pay your home mortgage important to
30-year term. It is even harder you how a single or multiple off in half of the time, but us than your
to comprehend that the vast extra payments will influ- this is way off. satisfac-
majority of these mortgages ence your overall payoff. It tion. You’ve
will never be paid in full be- The truth is that every penny Candice Goins
Branch Manager worked hard
cause very few people remain of your extra payment goes to become a
in a home for that long. towards your principal. Your homeowner, something
regular payment is split that most people dream
Do you want to be paying a between your principal and to accomplish.
mortgage forever? If you are your interest, so by making a
like most, you would answer double payment, you are re- We think you deserve
with a resounding ’No!’ ally making a triple principal a lot of credit and we’ll
payment. work hard to earn your
Here is the best way to pay amazes most to learn that business.
your mortgage down a little by making a single extra Take advantage of our free
faster than your set term and payment a year, a person mortgage repayment calcu- Through our national
a way to figure just how fast can shave up to 10 years off lators to see just how much presence and high loan
you can pay it off. a 30-year mortgage term. faster you can pay off your volume, you can count
home mortgage. on getting the best
Charter West’s home mort- Most people would think deal available at the
most competitive rate
and cost. And, you can
Denver Home Prices Here’s How to Denver Jobless expect prompt answers
on the Rise
Twenty-seven percent of
Ditch Junk Mail Rate is 3.9 Percent to your urgent ques-
tions. Your experience
single-family houses sold Mail box The Denver-Aurora metro will be as simple and as
from June 2006 through stuffed area added nearly 17,000 convenient as possible.
this June were priced at less with junk people to nonfarm pay-
than $300,000. Two years We’re very proud of
mail? rolls during the 12 months our ability to get things
ago, 49 percent of houses
ended in June, according to done right the first time.
sold at that level. You can opt out.
the latest Bureau of Labor Your situation is always
The average price of a Den- To opt out, you can register Statistics (BLS). different from the next
ver home is $304,000. online at www.dmacon- person and that’s why
A total of 1.248 million we have decided to
sumers.org but there’s a $5
people were employed in build our business one
June, up 1.4 percent from customer at a time.
CharterWest Or you can register free by the same month in 2006, We look forward to do-
CharterWest Mortgage, sending a note to: the BLS said. ing business with you.
LLC is a full service
mortgage lender that Mail Preference Service The Denver-Aurora unem-
is highly experienced Direct Marketing Association ployment rate was 3.9 per-
in all mortgage prod- P.O. Box 643, cent in June, down from 4.8 Mary Davies
ucts. We stay on top of Carmel, NY 10512. percent in the same month Branch Manager
current market trends a year earlier.
to offer you the best 1428 S Dayton Cr
On the Web site, the group
products and interest Denver’s unemployment St. Louis, MO 30247
supplies a free form you can
rates for your mort- was well below the national Tele: 306-750-7666
fill out online and then print
gage needs, today and unemployment rate of 4.7 Fax : 306-696-6187
out and mail, if you don’t
in the future. Cell: 306-669-9054
want to write a letter. percent in June.
Preparing for the Unexpected
Devastating natural disasters like Katrina Water
and terrorist attacks on the World Trade • One gallon of water per person per day, for drinking and sanitation.
Center and the Pentagon, have left many
concered about the possibility of future incidents in • Children, nursing mothers, and sick people may need more water.
the United States and their potential impact. • Store water tightly in clean plastic containers such as soft drink bottles.
There are things you can do to prepare for the unex- • Keep at least a three-day supply of water per person.
pected and reduce the stress that you may feel now
and later should another emergency arise. Food
• Store at least a three-day supply of non-perishable food.
Taking preparatory action can reassure you and your • Select foods that require no refrigeration, preparation or
children that you can exert a measure of control even cooking and little or no water.
in the face of such events.
• Pack a manual can opener and eating utensils.
Assemble a Disaster Supplies Kit Including the Following Items: • Choose foods your family will eat.
• Ready-to-eat canned meats, fruits and vegetables
• First aid kit and essential medications. • Protein or fruit bars
• Canned food and can opener. • Dry cereal or granola
• Water • Peanut butter
• Dried fruit
• Clothing, rainwear, and bedding or sleeping bags.
• Battery-powered radio, flashlight, and extra batteries.
• Special items for infants, elderly, the disabled. • Canned juices
• Written instructions on how to turn off electricity, gas and • Non-perishable pasteurized milk
water if authorities advise you to do so. (Remember, you’ll • High energy foods
need a professional to turn them back on.)
When preparing for a possible emergency situation, it’s • Food for infants
best to think first about the basics of survival: fresh water, • Comfort/stress foods
food, clean air and warmth.
Mary Davies Stamp
CharterWest Mortgage, LLC
Branch Manager First Class
1428 S Dayton Cr 44 Cents
St. Louis, MO 30247
To Joe Clark
3450 Anyplace Ave.
My Town, MA 88796