Pacific Lifestyle Homes Blog

Many times people think that home refinance is always better. So, being allured by lucrative interest rate they tend to refinance their home every now and then. But, when refinancing option makes your payment to some extent affordable, it may have deeper long term consequences. You may get short term benefit from it. But, in the longer run you may end up paying huge on paying your mortgage. In many instances, refinance imposes penalty charge that affects your finance for a longer time. Therefore, you must face this crucial question’ should I refinance my mortgage’.

However, if you have decided to refinance your mortgage, then you have to take a strategy. If you want to reduce monthly payment pressure, you should try to extend the loan term. But, if your goal is to chip interest rate, then you should better restructure your loan term and make it shorter. You have to keep a look out when national mortgage interest goes down. Then you will hit the right opportunity. Generally we find that many mortgage holders try to pull out some portion of their equity by refinancing their home. This way they can free up some cash in the short term. However, it involves the risk of losing the value of your property.

When you refinance your loan, you actually breach your first loan agreement. Therefore, you are charged with penalty. When your credit report shows penalty sign, it will directly affect your credit score. So, it will drop your credit score. But, if your lender agrees to come into a refinancing plan, then you may save your credit score from going down. Instead of contacting a third party agency, you should deal directly with your creditor. It is because employing a third party agency will attach additional fees and penalties and eventually bring down credit rating.

When you are planning to refinance, it is so much the better for you to keep an eye on you future benefits. You need to maintain a financial stability in future. Paying too much on your mortgage can put pressure on your retirement savings. But, taking a short term loan would help you save more money.

Remember that negotiation is the best way out at your hand. You have to convince your lender why and in which circumstance you are appealing him to refinance mortgage. You can show him contingency proofs and request him to forgo penalty fees. Lenders would most probably prefer refinancing to home foreclosure.

No matter how small or how big your living room is, it’s essential to organizing your space in specific zones with it’s functionality. What do you do in your living room?  Read, listening to music, entertaining, watching TV, and even an area for your kids.  Having an area for each hobby will help things have a place to go back to at the end of the day.  For example, it’s fine to have toys in the living room as long as it is neatly organized and doesn’t end up being scattered throughout the room.  Here are some helpful tips to getting you started in zoning your own living room.

Use the space
It’s easy to have a living room that can be fit to be in a photo of a magazine, but what’s the point in not using it?  The point of having a stylish living room is to enjoy it at the end of a hard days work.  Not being able to enjoy it would be a waste of money and space.  So make an effort to using it to entertain and to wind your mind down on your days off.  It just takes a bit of effort at the beginning or end of the day to clean up the place, it is well worth the work!  If you don’t make an effort to tidy up your zones, then the whole point of organizing your space will be a waste of effort.

It’s all about comfort without sacrificing style
There are lots of furniture nowadays to choose from that suits almost everybody’s taste.  You can choose from fancy convertible sofas to casual futon sets to set up in your living room.  In the world of design, there is room for style, comfort and room to organize.  For example, convertible sofas can be fancy or casual, comfortable and have lots of extra space below to store magazines, remote controls and plenty more when guests are visiting for the holidays.

The zoning process
Once you’ve divided your living room up according to it’s needs, test it out.  If you find that reading is not working out in a space full of distractions (TV etc), then move it to a closed room for more peace and quiet.  And if you have a brand new space, then it’s a perfect time to plan out what type of new furniture you need to serve functions like entertaining.  Do you need a mini bar?  Or if you’re looking to have more seating area, then plan to more space to lounge.  All these have to be taken place before you start heading out to shop for furniture.  Having a plan will help you save time and money!  And a space for children, you can always find a storage ottoman that won’t sacrifice the look of your living room and still be able to store all your kids toys away when guests are over.

We are glad to announce the will be some Blazers attending the tournament!

Bob Gross played 8 seasons for the Portland Trail Blazers.  He was their starting small forward for the Blazers during their only championship season (1976-77). He averaged 8.9 points, 4.4 rebounds, 1.3 assists and 1.12 steals a game.  Of Bobby Gross, the great Bill Walton said, “I never played with a finer player, never played with a finer human being” than Bobby Gross.

Michael Harper Chicago, Illinois native played two years with the Portland Trail Blazers before finishing out his career in Europe.  Upon his retiring from basketball, he returned to the Trail Blazers as their Speakers Bureau Director.  He is the Founder of the Grassharper Foundation, a Grass Roots Organization dedicated to assist Children, Family, and Community.  Through their fundraising efforts, they provide scholarships, grants, and educational support to instill Integrity, Honesty, and a Positive Attitude in our children for the enrichment of our community.

And of course a great Center from Oregon State University….

Scott Haskin was an Oregon State University Center from 1988-1993.  He was the 14^th overall first round draft pick in the 1993 NBA Draft.  He played one season for the Indiana Pacers.

Let’s start with who’s who in Football!

Mike Walter is an Oregon native who played as a defensive end at the University of Oregon and was a second round NFL draft pick.  He played with the San Francisco 49er’s and was their leading tackler in 1987, 1988, and 1989.  He was a key member of the 49er’s Super Bowl winning team in 1988 in the game more commonly referred to as “The Drive.”  Mike made the crowd roar when intercepted John Elway in Super Bowl 24.    

Terry Gierke wore the uniform number 72 for 21 seasons as a head linesman from 1981-2001 as an American football official in the National Football League.  He began his career officiating in 1962 in Portland, Oregon.  He was the head linesman in the 1993 AFC Wild Card playoff game known as “The Comeback” between the Houston Oilers and the Buffalo Bills. 

Steve Baack played defensive tackle for the University of Oregon where he was named to the All Pac-10 2nd Team in 1983.  He was a 3^rd round draft pick in 1984 and played for the Detroit Lions for five seasons.

We would like to thank these gentlemen for joining us in this great cause!