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1. Mint: free, syncs with checking and savings, credit cards, loans, investments and more!
2. Goodbudget: categorize your income in envelopes
3. EveryDollar: free, manually enter income throughout the month
4. YNAB: syncs to accounts, adjust budgets and categories
5. Personal Capital: manage assets and investments

Happy March to Mortgage! This month we're focusing on all things Mortgage!

Find out how much you can afford with one of our 8 calculators. The mortgage process can seem daunting but we're always here to lend a hand!

Payment/Amortization Calculator:
Calculate your monthly payment and see how the principal is paid overtime.

Rent vs Own Calculator:
Calculate the difference between renting and buying a home.

Annual Percentage Rate Calculator:
Calculate the APR for fixed-rate or adjustable-rate loans.

Debt Consolidation Calculator:
Determine if you can consolidate your debt by combining it with your home mortgage.

Prepayment Savings Calculator:
Find out how soon you can pay off your mortgage by making a prepayment.

Early Payoff Calculator:
Determine the additional monthly payment amount needed to pay off the loan sooner.

Refinance Break-Even Point :
Find out how long it will take to "break even" on a refinanced loan.

Tax Savings Calculator:
Determine the estimated tax savings with a new loan.

Clean out your closet: reduce the clutter and get rid of any clothes that are too small or not worn
Purchase storage containers/dividers to separate your clothes
Install shelving for better closet space
Separate clothes in categories such as color, season, length, or item

1. Set up a budget
2. Stay within your spending limit
3. Avoid impulse purchases
4. Look for low interest rates when taking out a loan
5. Keep a record of all purchases, big and small.

Find out why Lend Plus is the right fit for you TODAY - Apply for a mortgage, payoff your home, purchase a home, and much more. Visit lendplus.com for all things mortgage.

Saving will benefit you and your family in the long run. Setting up a savings preps you for any financial emergency you may run into. Putting part of your income in savings allows you to pay for future big purchases, avoid any debt, and hopefully build generational wealth. Plus, it'll save you a whole lot of stress!

Get in shape!

Financial Fitness allows you to manage and optimize your money. With financial fitness, you can learn to spend and save your money wisely to avoid any debt. Be sure to train your minds and your money habits!

1. Avoid late payments and create a system to keep track of all finances and bills
2. Pay your balance in full every month
3. Use credit monitoring services to track your history
4. Be patient with the progress, raising your credit doesn't happen in a day

Benefits of stretching in the morning:

1. Stress Relief
2. Improve Posture
3. Increase Blood Flow
4. Stimulate More Energy
5. Improve Mood

Home values have increased and interest rates are still at historic lows! Take advantage of the perfect market storm and borrow against the equity in your home.

Budget, Budget, Budget!

Start the new year off right and be sure to budget your spending. With budgeting, you can have greater control of your spendings, build your savings, prepare for rainy days, and it can even help you with debt. Keep your eyes on your financial goals and budget away!

Resolutions don't stop after the first month! We know it's hard to keep up with your resolutions once February rolls around so we've provided a few tips and tricks to help maintain your 2022 Resolutions!

We make home mortgage fast and hassle-free so you can get back to what matters to you!