When you refinance your mortgage, you pay off your existing mortgage and replace it with a new mortgage that typically has a lower interest rate, term period, or monthly payment. If you have both a primary mortgage and a second mortgage, you could refinance both by paying them off and replacing them with one new mortgage. You may also refinance a non-FHA loan with an FHA loan. But refinancing has costs, so it isn't always right for everyone.

Spring has arrived - which means it's time to get your home in tip-top shape. A good, deep spring clean-up is a tradition that not only promotes wellness by keeping your environment clean and organized; it also helps carry the fresh-start feeling brought on by a new year well into the summer.

Did you know 51% of people have regrets about the real estate process and 68% don't trust real estate agents?* We were stunned by those statistics too and believe it's time to change the game. With more brand awareness** than any other real estate brand, Century 21 Real Estate is poised to make these changes. To do this, we are reinventing what the CENTURY 21 (R) brand means in the hearts and minds of those who are buying, selling and working in real estate today.

Should you decide you want to learn more about a career in real estate and before you invest hundred's of dollars in real estate school and testing, contact CENTURY 21 Arizona Foothills to schedule an appointment with one of our managers. We can give you an overview of the costs associated with starting you career in real estate and explain what happens after you get your license.

SERVICE EQUALS SUCCESS Maximizing the value of your transaction is critical as a tenant, owner or investor. You can't afford to entrust your business to anyone other than a true commercial real estate professional. You want someone whose local market knowledge and service will help you get the most out of your deal. No matter where in the world your business takes you, a CENTURY 21 Commercial(R) System member can help you succeed.

Just because temperatures begin to rise drastically, your electricity bill doesn't. Learn simple ways to lower your bill and use electricity wisely this spring. Looking for ways to save money on your electricity bill? Who isn't?! Lucky for you, springtime is the perfect excuse to start fresh and change some of your old habits. Here are eight of the easiest ways to save money on electricity that you can start implementing today.

When your bathtub and shower look grimy, it can send the wrong message. Even if they're technically clean, discolored surfaces, soap scum and mildew are unsightly and appear unsanitary. Turn the situation around with these proven cleaning hacks that make use of simple household materials.

Following these 10 tips will help to add value to your home and increase your chances of a sale. 1. Clean, organize, and neutralize your space: Unclutter your house to make it look bigger and cleaner. Buyers need to be able to envision their own belongings in the home; so, avoid using bright colors and too many personal effects.

How long should a microwave last? How about a vacuum? AHS can help you understand the life expectancy of some of your most used smaller appliances. You use them every day. They're some of the most indispensable items in your home. They're your small appliances, and they won't last forever. We can help you gauge the average life expectancy of several of the most common-and valued-small household appliances.

Every year when January rolls around you vow to lose weight, save money or spend more time with family and friends. But what goals do you set for your home? HGTV has these simple tips to apply to your home in the coming year. Regan Baker Design Inc.