Ryan truly is a Superstar Performer!!
Ryan's insight & experience were critical in guiding us through this unexpectedly challenging process.
Many Thanks!! Paul & Shelly Hill
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Linda
& Ryan Lowe (RE/MAX Centre Realty ~ Linda & Ryan Lowe Team): Real
Estate Agent in State College, PA

Latest Listings: State College, Bellefonte and Centre County Pennsylvania home buying, real estate listings, and homes for sale in Centre County, PA

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Insurance >Do You Need Mortgage Protection

If you have a mortgage on your home, you may have received several offers from insurance companies that sell coverage to pay off your mortgage in the event you die unexpectedly. Although insurance in general is a good idea, mortgage insurance is usually a poor value in most cases.

If you read the large print, it appears that the policy will protect your family if you die before your mortgage is paid off. All you have to do is fill out the paperwork, have a physical exam, and pay a little more each month. The fine print, however, may limit the coverage relating to accidental death. If there are two people on the deed of trust, the policy may pay only half if one of them dies.

When considering mortgage insurance, call a good insurance agent before you send in your forms. Insurance experts usually advise against separate policies to cover various contingencies. A regular term life insurance policy equal to the amount of your mortgage will probably offer you a lot more coverage for your money.

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Q	What does the abbreviation PITI stand for?
A	Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
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Linda & Ryan Lowe - Discover the Team Advantage, REALTOR®, real estate agent and broker for State College, Bellefonte and Centre County Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Linda & Ryan Lowe
RE/MAX Centre Realty
1375 Martin Street
State College, PA. 16803
800-860-6226 ext. 305/352
814-231-8200 ext. 305/352
Fax: 814-861-4615
Email: lindalowe@aol.com
ryanslowe@yahoo.com
Since Linda started selling real estate in 1988 she & her team have sold over 4000 properties and have given our buyers & sellers NUMBER ONE SERVICE!! This kind of experience cannot be found in books or classrooms. It comes only from meeting the needs and fulfilling the demands of hundreds of clients. Linda Lowe knows the techniques and methods that get results. She is continually looking for ways to increase her knowledge and better serve you. Linda's clients enjoy the benefits of a service-centered philosophy that puts top priority on meticulous attention to every detail. Combined with Linda Lowe's Team, you are assured a fast response to every question and concern and a smooth hassle-free transaction. License# RS167590L

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