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My name is David Dortch Johnson. I have lived in Scott Arkansas from the age of four. I attended Catholic High School and the University of Mississippi, where I earned my Degree in Political Science with a minor in History. I have a beautiful wife named Bethany. My son’s name is Carter. We also have ...

Need to Discuss – How to Refinance Your Adjustable-rate Mortgage with Better Terms

How to Refinance Your Adjustable-rate Mortgage with Better TermsHow to Refinance Your Adjustable-rate Mortgage with Better Terms

An adjustable-rate mortgage was once a great mortgage product, at a time when home buyers wanted to avoid locking in high interest rates. But with historically low interest rates now available to millions of buyers and rates expected to rise in 2017, lots of mortgage holders are trying to find a deal and negotiate better terms before rates go up. One great way to save on mortgage costs is to refinance your adjustable-rate mortgage.

So how can you make a mortgage refinance work for you? Here are a few tactics you can use to get better terms through a refinance on your adjustable-rate mortgage.

3 Ikea Hacks That Can Be Done in a Weekend’s Time

3 Ikea Hacks That Can Be Done in a Weekend3 Ikea Hacks That Can Be Done in a Weekend

Whether you’re moving into your first apartment or preparing to purchase a second home, Ikea is a favorite for those trying to economically fill up the extra space in their home. While Ikea may have plenty of inexpensive options that you might not think can be dressed up, there are actually a lot of simple pieces that you can add to for a stylish, DIY look that will take no time at all.

How Are Mortgage Rates Determined?

How Are Mortgage Rates Determined?How Are Mortgage Rates Determined?

If you’ve been paying attention to the mortgage rate news, you may be wondering exactly how it is banks decide what mortgage rates to offer. Do they just pick a number at random? Mortgage rates may seem somewhat arbitrary, but there’s actually something of a science to them.

So how does your bank or lender determine what your interest rate will be? Here are just some of the factors that go into the equation.

NAHB: Home Builder Confidence Holds Steady in May

Closing Paperwork: How to Read and Understand the Truth-in-Lending Disclosure StatementClosing Paperwork: How to Read and Understand the Truth-in-Lending Disclosure Statement

The National Association of Home Builders reported that home builder confidence in the U.S. housing market conditions held steady for the fourth consecutive month in May. Builder confidence stayed at a reading of 58, which was the number expected by analysts and was also the reading for April. Analysts said that the consistency in readings signified expansion in housing markets. Any reading over 50 indicates that more builders than not are confident about market conditions.

How to Determine the Price of Your Home for Sale

How to Determine the Price of Your Home for SaleHow to Determine the Price of Your Home for Sale

Many people rely on the price they paid for their home as a starting point for selling, but with the ever-shifting tides of the real estate market, the price paid is not always the best metric to go by. If you’re putting your home up for sale and are looking for the ideal price point, here are some ways you can arrive at a number that will keep potential buyers interested.