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Lowering Credit Card Interest Rates

When was the last time you evaluated the interest rate on your credit cards? The higher the rate, the more that “borrowed’ money is costing you. If you’d like to keep more of your hard-earned cash, consider the following action plan for securing a lower rate.

Negotiate — Sometimes it’s as simple as asking. In fact, three out of four people who request an interest rate reduction are successful. First, take note of your history with the company, including how long you’ve been a customer and the timeliness of your payments, and collect interest rate offers you’ve received from their competitors. Then make the call, and share this information. If the representative can’t help, politely ask for a supervisor.

Transfer — Even if your company refuses to budge, you may be able to move your high-interest balance to another card. Companies frequently lure customers from their competitors with low-interest or even zero-interest offers. If you’re able to pay off your debt during the promotional period, you can save money just by making a switch. Just be sure to compare the terms of each offer before you decide to go for it.

Improve — It’s always worth it to take steps to improve your credit score, which impacts your ability to qualify for low rates. Paying off debt is key, but there are other things you can do as well. Set up bill reminders or automatic payments to ensure timely payments, correct errors on your credit report and keep your balance low compared to the credit available on your card.

It may take a little while, but once you successfully reduce your interest rates, you’ll have more money at your disposal to achieve your financial goals.

FREE CONSULTATION 
JJ MAZZO
THE MAZZO GROUP AT SUMMIT FUNDING // Branch Manager – Sr. Loan Officer
EMAIL support@mazzogroup.com
PHONE (877) 237-9694
ADDRESS 31351 Rancho Viejo Rd. Suite 201 San Juan Capistrano, CA 92675
NMLS ID#186548 – Summit Funding, Inc. NMLS ID#3199
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4 Kitchen Features of the Future

Today’s modern kitchens may include seamless appliances, lavish amenities and stylish upgrades, but they’re still a far cry from the new technologies companies are developing. Here are a few of the cool features that could make it into your kitchen in the years to come.

Smart appliances: Appliances are beginning to incorporate technology that provides added convenience in ways we’ve not experienced before. For example, Samsung’s revolutionary new Family Hub refrigerator, available now, features a Wi-Fi touch screen that syncs family calendars and displays digital notes and texts. Unsure if you should grab milk while you’re at the store? Built-in cameras capture fridge contents so you can double-check with ease.

Touch-screen hubs: Touch screens aren’t just for appliances. At the 2016 Consumer Electronics Show, Whirlpool imagined one as a kitchen backsplash that serves as a hub for the entire house. The screen recognizes each family member and displays a personalized calendar with daily tasks and appointments. It can even harness GPS to track the arrival of the morning bus.

Visible food storage: IKEA’s 2025 concept kitchen includes pantry shelves that cool glass storage containers, keeping food visible so you always know what’s on hand. The sink’s built-in composter squeezes the water out of fruit peels and other organic matter and then presses it into an odorless puck.

Intelligent cooktops: IKEA’s concept kitchen also features a smart table that serves as a prep surface and cooktop in one. Place ingredients on the table for recipe suggestions. Then use the built-in scales to measure ingredients and the embedded coils to heat individual pots, leaving the rest of the surface cool to the touch.

Whether you buy a high-tech fridge that helps to keep your family on schedule or another forward-thinking upgrade, the kitchen of the future will have some fun and useful features.

JJ MAZZO
THE MAZZO GROUP AT SUMMIT FUNDING // Branch Manager – Sr. Loan Officer
EMAIL support@mazzogroup.com
PHONE (877) 237-9694
ADDRESS 31351 Rancho Viejo Rd. Suite 201 San Juan Capistrano, CA 92675
NMLS ID#186548 – Summit Funding, Inc. NMLS ID#3199
AZ Lic# 0925837, Summit Funding, Inc NMLS ID# 3199 | Branch NMLS ID# 1420160 | NMLSconsumeraccess.org This communication is for informational purposes only, this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice. Contact Summit Funding to learn more about mortgage products and your eligibility. An approved equal housing lender. NMLSconsumeraccess.org
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JJ Mazzo Funds Second Home for Family in Nicaragua

Meet Maria Elena and Her Family

Maria Elena Benavidez Ortiz is a 30-year-old woman who lives with her partner, 49-year-old Roger Arias, and their three children. Maria works from home selling chocolate-covered bananas, while Roger works as a fisherman.

Their children are Maria Jose (13), Bryan (11), and Maryelis (9). While Maria Jose and Maryelis are attending school, Bryan was forced to drop out due to health issues. He is suffering from a heart condition and is undergoing treatment while waiting to see about the possibility of an operation. Maria also suffers from diabetes and takes medication to control it.

Their current home is made of on wooden boards, zinc metal sheets, and has dirt floors. A new home will lead to a healthier future for Maria and her children.

Thanks to JJ Mazzo and Summit Funding, Maria and her family will soon have a safe place to call home.

In partnership with GiveBack Homes

 

 

 

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NEW YEAR’S RESOLUTIONS FOR YOUR HOME

2017 is here! Your personal new year’s resolutions are a great way to become a better you, but what about your home? Here are a few resolutions to make for your home to get it looking and functioning its best for this new year.

Get Rid of Excess

The new year is the perfect time to streamline and get rid of unnecessary things in your house. One-by-one, go through each room in your house and take a look at the items in every closet/drawer/box/etc. Put the things you no longer need or want in a bag to donate, throw out or recycle broken things. When you shop this year, think twice about the items you’re about to buy. Will it just accumulate as stuff to donate at the end of the year? Or can you see this item long-term in your home? This will help you cut down on clutter in your home over the course of the year.

Make Space for Entertaining

Want to make more time for family and friends in 2017? Then you will need a great space for entertaining in your home. Freshen up your family room by decluttering and adding small but effective new décor, like pillows or a lamp. Feeling up for a project? Paint an accent wall to bring new energy into the room.

Start a DIY

Is there a certain DIY project you’ve been wanting to start or something that you meant to do last year that just didn’t happen? Make time for it this year! Start by gathering all the necessary supplies, then set a date and commit to the project. You can also get your family involved with the project and spend some quality time crafting and constructing together.

Clean Out Your Fridge

Trying to get your family to live a healthier lifestyle? Take the opportunity to clean out your fridge and pantry to get rid of food you haven’t eaten or will not eat this year. Donate any food that hasn’t perished to your local food bank. Reorganize your fridge so healthy snacks are easily seen and accessible for your family.

Practice Safety

Accidents can happen at any time, but the key is to be prepared when they do happen. Take some time to remind your family of the plans in case of an emergency. Check all smoke and carbon monoxide detectors and fire extinguishers around your house to make sure they are functioning properly.

Create a Greener Place to Live

Make an effort to reduce your bills and your carbon footprint this year by reducing the amount of energy you use. Simple steps toward a greener home include, turning off lights when you leave the room, installing low-flow showerheads, hanging clothes to dry outside (weather permitting), turn off power strips and unplug small appliances when you leave the house for an extended period of time.

Is one of your new year’s resolutions to own a home? Call me today to get started!

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JJ Mazzo

Branch Manager
NMLS ID# 186548
31351 Rancho Viejo Road Suite 201
San Juan Capistrano, CA 92675
Direct: 877-237-9694

jj@mazzogroup.com
http://www.themazzogroup.com

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31351 Rancho Viejo Road, Suite 201, San Juan Capistrano, CA 92675, Branch NMLS ID# 1420160, Summit Funding, Inc. NMLS ID# 3199 (Refer to http://www.nmlsconsumeraccess.org to see where Summit Funding, Inc. is a licensed lender). Arizona License (#0925837), Georgia License (#39456), Licensed by the California Department of Business Oversight (#6072526) and holds a CA Bureau of Real Estate Broker’s License (#01220358) under Nationwide Mortgage Licensing System (NMLS). In all states, the principal licensed office of Summit Funding, Inc. is 2241 Harvard Street, Suite 200, Sacramento, CA 95815; Phone: (916) 571-3000; http://www.summitfunding.net. This communication is for informational purposes only, this is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Contact Summit Funding to learn more about mortgage products and your eligibility. Summit Funding, Inc. is an approved equal housing lender.
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Lower monthly payments, more buying power!

The government has now made owning a home more affordable. FHA has lowered their annual mortgage insurance premium!

What does this mean for homebuyers?

  • Savings on your monthly mortgage payment.
  • More buying power
  • One step closer to homeownership!

Give us a call today to learn more about how you or your clients can benefit from this exciting industry update! 877.237.9694

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The Mazzo Group
Joseph JJ Mazzo NMLS ID# 186548
AZ MLO Lic# 0913442
31351 Rancho Viejo Rd,. Suite 201
San Juan Capistrano, CA 92675
Branch NMLS ID# 1420160
877.237.9694

rfloyd@mazzogroup.com
http://www.themazzogroup.com
Summit Funding, Inc NMLS ID# 3199
(www.nmlsconsumeraccess.org)
An approved equal housing lender

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This communication is for informational purposes only, this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancelation at any time and without notice.
Contact Summit Funding to learn more about mortgage products and your eligibility.

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Keys to a new home by Christmas?

With The Mazzo Group’s 10-Day Closing Guarantee! Get your documents to us in the next 24-hours and we can make it happen.

4-Reasons to act now
:

• Get tax advantages for 2016

• Lock in a low rate while they are still available

• Less competition with other buyers

• Low down payment options

Are you currently bogged down in Escrow? Let us take the bah-humbug out of your holidays with our 10-Day Rescue Your Loan Program. Yes, Guaranteed!
Don’t Wait, Call Us Now! A loan concierge is ready to assist you.

877.237.9694

The Mazzo Group
Joseph JJ Mazzo NMLS ID# 186548
AZ MLO Lic# 0913442
31351 Rancho Viejo Rd,. Suite 201
San Juan Capistrano, CA 92675
Branch NMLS ID# 1420160
877.237.9694