Real Estate SEO – Should a Real Estate Agency Hire Content Writers?

Real Estate SEO - Should a Real Estate Agency Hire Content Writers The most powerful part of real estate SEO is quality content. When I say quality there are a few specific qualities that I am referring to. Your content should be fresh (up to date). Keeping your content fresh will show Google’s algorithm that you are dedicated to keeping your content up to date. You should try to post something at least twice a week if not more. Having an ever growing resource on your real estate website is very important to ranking in Google search for a competitive keyword. The content on your website should be high quality. This means that it should be well written without any basic errors. If you want to rank for specific keywords the content should be written with somewhat of a strategy. It is important to format the content correctly so that Google can rank your resource page for the correct keywords.

Real Estate SEO – Should a Real Estate Agency Hire Content Writers?

Answering the question of: “Should a Real Estate Agency Hire Content Writers?”, depends on whether or not you or your agency have the time to dedicate to producing high quality content. Producing high quality content that ranks first page in Google search takes time, and requires you to sit and map out what to say in the article and how to format it so that keywords are placed correctly. This usually requires writers to sit down and focus on writing for an hour or two. For some, this time is readily available and they can take on the challenge of outranking competition with organic content on their own. For others it would be more profitable for them to outsource the work to an SEO copyrighting firm. This way the realtors can focus on earning the profit and the writers can focus on sending more clients their way.

Not only do realtors need content for their resource, media plays a big role as well. Media in the form of videos, photos, and virtual tours, are all powerful additions to a resource page for a realty website.  Media adds to the overall quality of your website that the Panda algorithm is searching for when ranking search results. Unique media catches the eyes of potential clients as well as other website owners who may even link to your resource page. Links to your webpage will increase traffic as well as help your resource gain authority with Google. The more authority the resource gains the higher it will rank in Google search. Videos should be professional and posted to YouTube, then embedded into the resource. Once the videos are embedded, the videos should be marketed on social media so they receive more views. More views equal a more powerful video. A more powerful video means more authority with google, and since the video is embedded into the resource the resource will also gain authority as well.

All of this writing and formatting is critical to ranking front page. If you believe that you have what it takes to produce a resource that will rank your website front page on Google, use these strategies as well as others from the Real Estate SEO main page to boost your rankings. If you have tried to write on your own and need assistance or just want to hire a content writer for your real estate resource, email our specialist at jacob@otlsm.com for more information. Our writers can create a real estate resource that will help your website climb the rankings for popular keywords in your area.

REAL ESTATE SEO

Real Estate SEO – Best WordPress Theme for Real Estate

When your real estate business is on the web, it is important to make sure that your website is aesthetically pleasing. Google’s Panda algorithm constantly prowls the internet searching for the websites with the overall highest quality. So if you want to rank front page in Google search, it is vital that you choose a quality theme that works well with your real estate application.

When choosing your theme there are a few things you need to make sure the theme has before you deploy the theme onto your domain. Keep this checklist in mind when choosing your theme.

  • Is the theme aesthetically pleasing?
  • Does the theme have an easy to navigate interface?
  • Can you customize the theme?
  • Can the theme be optimized for SEO?

Keep these questions in mind when shopping for a theme. Most of the best themes for real estate cost anywhere from $30 to $80. Make sure you do not waste money by picking the first theme with any relation to real estate. Be sure to play around on the preview to make sure that the theme you purchase is the theme that you will go with for the long haul.

Real Estate SEO – Best WordPress Themes for Real Estate

Below you will find some of the best themes for real estate. These themes could be used from anything from a Realtor’s personal website to a website for a house you are selling. If it is related to real estate you will find a theme that will help here.

WP Residence Theme 

Real Estate SEO - Best WordPress Themes for Real Estate

This highly dynamic theme is great for independent realtors as well as real estate agencies. This theme offers home sellers the ability to submit properties either for free or for a fee of your choosing. This theme also allows the moderator to create subscription packages of different amounts of time and values. If you want to, there is even an option to charge home owners a fee to display their property in a high traffic area on the website. This theme costs $54 but it is very effective for real estate agents who want a variety of setup options.

Reales Theme

Real Estate SEO - Best WordPress Themes For Real Estate

I like this theme for a variety of reasons. The simplistic interface gives the theme an extremely modern feel compared to some of the other themes available. This theme is extremely fast to get set up due to the fact that it is just so simple. Not much to set up. Just upload your pictures, organize the home page, and go! This theme also offers a variety of optional sidebar widgets, including agent profiles or a contact page. There is a template included with the theme that makes publishing extremely easy . This theme costs $49. If you want a very simplistic look with straightforward control, this is the theme for you.

Solus Theme 

Real Estate SEO - Best WordPress Theme For Real Estate

If your goal is to market a single property online you should take a look at this theme. Solus is optimized to promote a single piece of real estate as apposed to a collection of listings. This theme allows the owner to customize the color scheme to whatever their heart desires. There is the option of a full page, home screen slider to promote the best pictures of the property. Solus also includes page templates that you can customize to promote the property however you want to . This theme is great for a realtor or a home owner who wants to promote a single home on a domain. Solus costs $49. If you only have one property to sell, this is the theme for you.

Oikia Theme

Real Estate SEO - Best WordPress Theme For Real Estate

The Oikia theme is another simplistic theme that offers a simple home page that can be navigated from extremely easily. The home page of this theme gives you the option to choose between a few different widget options. You can go with a simple property slider across the entire home page, a search bar, or a grid of properties. The theme includes a few preset color combinations that you can choose from. You can even set up your website so that there is a different color combination on each page. The Oikia theme costs $39.

Luster Theme 

Real Estate SEO - Best WordPress Theme For Real Estate

The luster theme is a very large theme with plenty of options and short codes to choose from when setting up your website. This theme has woo commerce compatibility which will allow you to easily sell on the website. The theme also offers a map that allows visitors to filter properties by specific traits. There is an option for users to register accounts and submit properties to the website. As a realtor this could remove the task of hunting for sellers. There are many other features to this theme that could not make it on this brief summary. Go check out the preview of this theme to see what other options it offers. Luster costs $59. 

These are just some of the most popular themes that clients have used in the past. I find them to be the most visually appealing as well as the most functional. They also work very well for SEO when formatted correctly and filled with quality content.  

REAL ESTATE SEO

If you desire for your website to rank higher in Google search, feel free to reach out to our SEO specialist at jacob@otlsm.com. He will be more than happy to respond and answer any questions you have about our processes and general SEO questions.

Real Estate SEO – How to Create Content That Ranks First Page on Google

Real Estate SEO - How to Create Content That Ranks First Page on Google In order to rank first page on google for any keyword related to real estate it is imperative to create a quality resource about real estate topics. This resource should consist of everything that there is to know about your business, yourself, and why your business will be the best fit for potential clients. In this article I will discuss specific pieces your content will need in order to rank first page in google search.

 

Real Estate SEO – How to Create Content That Ranks First Page on Google

When you are creating content for your real estate business it is important to have the goal of creating a valuable resource that will point to your business. You will want to make sure that you are sparing no detail when creating. When writing, make sure to mention specific keywords that you want to rank for. Mention the keywords exactly how your customers would type them into google so that your resource will rank when that keyword is searched on Google.

To start your resource you are going to want to build a huge mass of content before you can construct your final resource. There are two roads you can take when you start the process. The road number one involves creating a single running page listing all of your content in a row. The pros to this are you will have a huge recourse that will rank for lots of keywords. The con to this are that when readers are looking for information that is at the bottom of the page they will have to search through seemingly endless amounts of content to find the few paragraphs they are actually after. When readers are forced to hunt for information within a page they are likely to bounce off your page. This is not what you want. To avoid this, it is smart to go with road number two. Road number two consists of creating a number of five hundred word posts about specific topics, then combining them to create the final resource. You combine the posts by linking them all to and from a main page on your website which serves as the main page for your resource. The title of the main page would be something like: “my town Real Estate” or “my town Realtor”. This way you have a mass resource of all of your relevant content in one page that will rank higher for the more competitive keywords than each individual post would on their own.

As well as content, your resource will need to contain unique media such as videos and images. Google will rank your resource higher when it brings new resources to the table that have not been posted. When powerful videos are added, it will also boost your websites ranking.

Once you have created a quality real estate resource, other blogs and websites will likely link to it if they find it a good source of information. When this happens they may even link to your resource. This is what you want to happen. When you get links you gain authority with Google. The more links your resource gets the more authority it gains.  As you gain authority with Google your website will climb the rankings. Eventually you will get ranked on the first page of Google.

REAL ESTATE SEO

If you desire for your website to rank higher in Google search, feel free to reach out to our SEO specialist at jacob@otlsm.com. He will be more than happy to respond and answer any questions you have about our processes and general SEO questions.

 

Real Estate SEO – How to Rank Front Page On Google

Real Estate SEOReal Estate SEO – How to rank Front Page on Google

Lets start things off about describing what real estate SEO is exactly, and how it will benefit your real estate business’ website. First of all SEO is an acronym for “Search Engine Optimization”. Search engine optimization is a process in which one optimizes their business’ website so that when specific keywords are searched by potential customers on Google, their business ranks above their competition. SEO is a tedious process if you wish to rank front page on google especially in competitive areas. The process includes formatting the webpage so that it is easily navigated, attaining natural links to your webpage from other websites with similar content, and having a real estate blog with unique content constantly posting quality information. On top of all of this you will need a page designated to ranking for your most competitive keyword. For example, this page should be called “Raleigh Real Estate” or “Chicago Real Estate” . This page should be filled with unique, quality, content as well as unique media such as videos that are also titled with the same competitive keyword.

The term “Organic SEO” comes from the idea that your business’ website should rank in Google search because it is a quality resource. Some SEO ‘specialists’ believe that SEO is a process involving beating the system by paying for unnatural links and toying with meta tags. This however is not the best route to take if you want a solid ranking in google search. Our idea of SEO is 100% organic. We have found that producing a quality resource ends up beating out websites that have tried to beat Google’s algorithms. When you try to cheat Google’s algorithms your website will eventually get caught and your front page ranking will suddenly by torn down by the algorithm. On the other hand, organic rankings will stand the test of time and will remain front page as long as the information is kept fresh.

If you want to rank front page for a competitive keyword, organic is definitely the way to go. Any other methods could end up hurting your website in the long run. The most important part of organic SEO is quality, unique, content. When your resource contains quality content it will naturally gain links for your website. These are the natural links that are so valuable to  real estate/ realtor SEO. These links show google that other websites find your resource valuable. When trying to rank front page on google for real estate keywords, online authority is everything. the best way to get authority is through links which ,again, come from from quality content.

REAL ESTATE SEO MAIN PAGE

If you desire for your website to rank higher in Google search, feel free to reach out to our SEO specialist at jacob@otlsm.com. He will be more than happy to respond and answer any questions you have about our processes and general SEO questions.

Real Estate SEO- Ranking in Google Local Pack

Real Estate SEO – Ranking in Google Local Pack

Another goal for your Real Estate business should be to rank in Google local pack for your area. The Google local pack is the pack of businesses that show up separately from the normal search results when a business or industry is searched on Google. Ranking in the local pack is extremely valuable for real estate businesses. When you rank in the local pack your business is listed at the top of Google’s results page for searches for “real estate agent” that are made near your business. The local pack looks like this:

Real Estate SEO

As you can see ranking in the local pack for your area will make your business highly visible to potential clients. Ranking in the local pack includes a link to your business’ website as well as showing customers your location on a map. On mobile, the local pack gives searchers the option to call your business directly from the results page. The desktop also offers searchers the option to get directions to your business, again directly from the search results page.

It is easy to see how valuable this position in google search is to any business in any field. Recently, the number of local pack spots has dwindled from seven available spots to only three spots. This has increased the competition greatly. There are three big components your business’ website needs to earn a spot in the local pack.  Organic content, natural links, and reviews/citations are the three components you are going to want to have on your website.

Organic content will help your website climb rankings not only in Google search, but also in Google local packs. It is a big ranking factor that will help your website gain the Google algorithm’s trust. It shows that you are knowledgeable source of information on the subject of real estate. Your content must be unique to your website. If Google finds the content to be copied, your ranking will drop. As well as being unique it needs to be well written. It is imperative that titles of blog posts and pages contain the keyword that you wish to rank for. This will help google identify the geographic region your business serves. In addition to blog posts and informational pages relating to real estate, you will want to list your business’ physical address in the footer of each page. When you add the address make sure that it is consistent everywhere online. Every coma, period, and abbreviation must be the same no matter where you list your business’ address. This consistency helps google pinpoint where your business is and better place it in a local pack.

A byproduct of having quality organic content will be natural links. Natural links are the second major component of ranking in the local pack for your area. Natural links are formed when another website, that has authority, links back to your resource because they find your resource beneficial for their visitors to view. When other websites are willing to share your recourse with their visitors, it shows Google that your content is quality, and worthy of one of those top three local pack spots. If you try to cheat the system by getting unnatural links, your website will be punished by Google. Meaning you will loose any chance of gaining a local pack spot or even a front page ranking in search. So the key here is just to lean on your organic content to create your links naturally.

The final piece to the local pack puzzle are your business’ reviews and citations. Reviews and citations show google that your business satisfies its clients. It is important to make sure your business satisfies all of your clients needs and provides outstanding service. You must have positive reviews from past clients in order to get the ranking you desire. Citations are third party websites that direct clients in search of a realtor to your business. Citation websites include, Yelp, Yellow Pages, and other similar websites. You should register your business with as many citation sites as you can. Google will look at your business’ presence on these sites to determine how much authority your website has compared to your competitors. When registering your business with these sites, make sure that you list your business’ address the same exact way you listed it in the footer of your website; down to every coma, period and abbreviation.

REAL ESTATE SEO MAIN PAGE 

If you desire for your website to rank higher in Google search, and rank in the local pack in your area, feel free to reach out to our SEO specialist at jacob@otlsm.com. He will be more than happy to respond and answer any questions you have about our processes and general SEO questions.

Mortgage Loans Bryson City North Carolina

Mortgage Loan Bryson City North Carolina  When making investments you have a plethora of options to choose from; stocks, precious metals, start ups, the options are vast. The most reliable investment an individual can make is in real estate. Property is the smartest investment to make with your hard earned money. When you invest into property of your own you will enjoy the following benefits.

Appreciation

When you invest in real estate you can count on the value of your investment to continuously rise. At any given year  since the mid twentieth century, real estate values have been on a gradual rise. The growth in value has averaged right around five percent increase in value every year. If you purchase a $200,000 home with an appreciation rate of just 3%, after 30 years your home will be worth more than double the original amount; $485,452.49. So theoretically if you bought a home with a high enough appreciation rate you could live off of the appreciation of your home. Remember that this is only theoretical and not a viable way to make a your living. So don’t go out and start buying random properties for no specific reason.

EquityMortgage Loan Bryson City North Carolina

When you buy a home, as apposed to renting it, you will enjoy knowing that you are better off than someone who is leasing their home. When you purchase a home, you are investing into something that, in the long run, is going to be able to give you a return on your investment. When you rent a home you will be paying for something with a zero percent  chance of getting a return on. Your hard earned money is just being funneled into the pockets of the property’s owner. When you think about it, you might as well just be driving up to the owner and putting your paychecks into his pockets every month. As apposed to purchasing your own home, where your money is being put toward the overall value of your property. Then the appreciation of the home comes into play, and your investments grow along with the value of the property you are paying for. It is similar to a savings account with an outrageously high interest rate.

Predictability

Banks that offer home mortgage loans can be global as well as unique to the town you live in. Unless the person buying the home is filthy rich, a bank mortgage loan will be involved in the purchase of a home. The most common mortgage is a fixed rate mortgage. This means that your mortgage payments to the bank you borrowed from will never change. As opposed to rent which can rise at any given time depending on how the owner of the property wants to charge you. It is always nice to know exactly how much money is going where, without any guesswork. You can read more about fixed rate mortgages below.

Applying for a Home Loan in Bryson City, North Carolina Mortgage Loan Bryson City North Carolina

When one begins the process of applying for home loans in Bryson City, North Carolina, it is vital to consider your options. You must answer a few questions before you make any decisions. Are you purchasing a second home? Or are you taking that exciting step of buying your first home? You will also want to take into consideration which type of mortgage loan you are interested in.

When it comes to applying for a mortgage loan you have three major options: fixed-rate, adjustable-rate, and jumbo – interest only loans. Each variety of mortgage has its pros and cons. In this article we will discuss how each of these mortgages work and when each of the three is appropriate for a potential home purchase.

Fixed Rate Mortgage Bryson City, North Carolina

Fixed rate mortgages are the most common mortgage loan. When you apply for a fixed rate mortgage you will be given a set payment that will not change over the entire payment of the loan. The payment is a combination of a portion of the principle cost of the loan as well as the interest. The payment will be set so that, by the end of the payment of the loan, you will have the principle amount as well as the interest payed off. Fixed rate mortgages in Bryson City, NC can range anywhere from a 15-year mortgage, all the way up to a 60- year mortgage. The longer the period of time payments are made the cheaper the monthly payment is. On the flip other hand, the longer the loan remains unpaid the more interest the borrower is paying on the loan. The most common fixed rate loans are 15 year fixed rate loans and 30 year fixed rate loans because they can have reasonable monthly payments and also get the loan payed off faster; leaving the borrower with less interest to pay. When compared with an adjustable rate mortgage, a fixed rate mortgage will seem more expensive. This is because the interest rate is fixed, meaning that if the interest rate rises above the fixed rate then the bank is still only charging you the lower interest rate. The bank is taking a risk offering the borrower a fixed interest rate because they could miss out on some extra money. To compensate for the risk they offer an interest rate that is a little higher than the actual interest rate to give them a little breathing room. Fixed rate mortgages are for borrowers who want predictable payments on their mortgage loan without the inherited risk of the interest rates rising or falling throughout the payment of the loan.

Adjustable Rate Mortgage Bryson City, North Carolina

Adjustable rate mortgages are mortgages in which the payments can fluctuate up or down, depending on interest rates at the bank the loan was borrowed from. For some this option may seem more attractive than a fixed rate mortgage loan because the initial payments are generally lower. Don’t be fooled by this. Although the initial payments are lower they could get much higher as interest rates fluctuate and payments rise and fall to keep up. Say you are offered an initial interest rate of 3.4%. It fits perfectly into your budget. You are happy with the payments you are making but the next year it rises to over 4% and the payments are suddenly sucking out more of your paycheck than you would like. This is the risk associated with adjustable rate mortgages. On the other hand the interest rate for your loan could drop even lower than it was before. This type of loan is a risk.

There are two terms you should be familiar with when dealing with an adjustable rate mortgage loan in Bryson City, NC. The first term refers to the period of time that an interest rate and monthly payment may be adjusted. This is called the Adjustment Period. The adjustment period can be different depending on which bank you take the loan from. After this period of time your interest rate and corresponding monthly payment will be recalculated for the payment period. The next term is a “Cap”. A cap is what keeps banks from increasing your monthly payments too much at one time. Caps for most banks usually prevent changes of more than 1% or 2% depending on the length of the payment period. Sometimes caps limit the change over an entire year as well. These usually allow 5% of change over the course of a year. Adjustable rate mortgage loans are for those who are willing to take on the risk associated with ever changing interest rates and payments.

Jumbo Interest Only Loans Bryson City, North Carolina 

Jumbo- Interest only loans are technically just adjustable rate mortgage loans. Both forms of mortgage loans have interest rates and payments that can change during adjustment periods. They both have caps that prevent the lender from raising the interest rates too drastically. So what draws the line between jumbo mortgage loans and adjustable rate mortgage loans? It all has to do with the loan amount and the manner in which the payments are made. The size of a jumbo loan is, as the name implies, a large loan. Jumbo loans in Bryson City, NC are typically $650,000 or more. For most, this is a loan that is ridiculously large and payments would be out of range. However, some can afford a loan this size and they need a different way to pay off the loan. This is because the interest on a loan of $650,000 or more will be a ridiculous amount to pay off if the interest rate goes up during the payment of the loan. This is where the second difference between a jumbo loan and an adjustable rate mortgage loan comes in. In a jumbo loan the payments for the first ten years will go toward paying off the interest of the loan. After the first ten years or so the payments will start going toward paying off the principle amount of the loan as well as any more interest that wasn’t accounted for in the beginning. By the end of the payments you will have all of the principle amount and the interest payed off.

Applying for a Mortgage In Bryson City, North Carolina

Whichever loan you are looking to apply for, Bryson City has a variety of banks to apply for your desired mortgage. Below you will find a list of major banks that are located in Bryson City that can help attain your goal of purchasing property in Bryson City, North Carolina. These banks each offer different interest rates and monthly payments on your mortgage. Check some of them out and find the mortgage that best fits you.

  • First Citizens Bank
  • State Employee Credit Union
  • United Community Bank
  • Jackson Saving Bank

Before you apply for a mortgage it is important to make sure you have a good credit score. Your credit score will affect whether or not you qualify for the mortgage you desire. You should also check the local mortgage rates. Be sure that you look around and make sure that you find the right mortgage for you and your needs. Find one that you are sure you will be able to make payments on for the foreseeable future. You are going to be tied to your mortgage for quite some time; so make sure you make the smart choice.

Mortgage Loans Murphy North Carolina

In the world of investments there are many options; stocks, precious metals, start ups, the options are vast. The most stable investment an individual can make is in a home. Property is one of the best, if not the best, investment to make with your money. When you invest in property you will enjoy the following side affects

AppreciationMurphy Mortgage Loans

History shows that property value, in general, is constantly rising. At any given year in since the mid twentieth century, property values have been on the rise. The growth in value has averaged right around five percent gains a year. If you purchase a $200,000 home with an appreciation rate of just 3%, after 30 years your home will be worth more than double the original amount; $485,452.49. So theoretically if you bought a home with a high enough appreciation rate you could live off of the appreciation of your home. Remember that this is only theoretical and not a viable way to make a your living.

Murphy Mortgage LoanEquity

When you own a home you will be in a much better situation than someone who is renting a home or apartment. When you purchase a home, you are investing into something that, in the long run, is going to be able to give you a return on your investment. When you rent housing you will be paying for something that there is no chance of getting a return on. Your money is being sent right into the owner’s bank account. When you think about it, renting a house long term is literally throwing your money away. As apposed to investing in some real-estate of your own, where your money is being put toward the value of the home. Then the appreciation of the home comes into play, and your investments grow with the value of your home. It is similar to a savings account with a ridiculously high interest rate.

Predictability

When most people purchase a home they apply for a mortgage through a bank. Whether the bank be local or global a bank will be involved in most peoples purchase of real-estate. The most common mortgage is a fixed rate mortgage. This means that your mortgage payments to the bank you borrowed from will never change. As opposed to rent which can rise at any given time depending on how the owner of the property wants to charge you. It is always nice to know exactly how much money is going where, without any guesswork.

Applying for a Home Loan in Murphy North Carolina Murphy Mortgage Loan

When you begin the process of applying for home loans in Murphy, North Carolina, it is important to weigh your options. Think about what the purpose of your home loan is. Are you purchasing a second property? Or are you buying your first home? Along with these questions you need to consider what kind of home loan you are looking for.

There are three major types of Mortgage loans to choose from: fixed-rate, adjustable-rate, and jumbo loans. Each type of mortgage has its positives and its negatives. Let’s go over the details of each type of mortgage and examine when each type is a reasonable option.

Fixed Rate Mortgage

A fixed rate mortgage is the most common mortgage applied for. A fixed rate mortgage sets a rate at which you will pay off the loan. The rate is set so that by the end of the period the loan will be payed off in full along with the interest that the loan has accumulated, leaving you with no debt. During the first couple of years your mortgage payments will primarily be going toward covering interest. Then your later payments will cover the principle cost of the loan. In general fixed rate mortgage loans in Murphy, NC could end up being more expensive than an adjustable rate mortgage. Or will it? An adjustable rate mortgage has a lower initial interest rate than a fixed rate mortgage. This is because the loaner, in this case the bank, is taking a risk offering you a loan at that set rate. If the rate goes down in the future the bank is stuck with that rate. On the flip side, an adjustable rate mortgage the bank has the option to change the interest rate at any point during the payment of the loan.

Adjustable Rate Mortgage 

An adjustable rate mortgage is the less popular sibling to the fixed rate mortgage. Adjustable rate mortgages are loans that do not have a fixed interest rate and payments, instead the payments and interest rates can be changed. That is the only real difference between the two. Once the payments are made all of the interest will be accounted for just as it was with the fixed rate loan. This type of loan has a lower initial interest rate than a fixed rate mortgage because the interest rate of the loan can fluctuate to match interest rates. Adjustable Rate Mortgages in Murphy, NC should be applied for if you want to inherit the risk of dynamic interest rates. You could end up paying less or more than a fixed rate mortgage depending on how the interest rate is adjusted. Adjustable rate mortgages have an adjustment period that states when the interest rate can be adjusted. During this length of time is when any adjustments to interest rates will be made. After adjustments are made to the interest rate, the new monthly payment is calculated. During the adjustment period there what is called a cap. The cap limits how much the interest rate can change in a single adjustment period. There are also caps on how much the interest rate can change over the course of a year.

Jumbo Interest Only Loans

Interest only loans are similar to adjustable rate mortgage loans. There are only two major differences between these two loans. The differences are the size of the loan and the manner in which it is payed off. First of all the size of the loan is, in most cases, larger than adjustable rate mortgages. On average an interest only loan is $650,000 or more. These are usually used for expensive homes or large tracts of land. The other difference between interest only and adjustable rate mortgages is where the money goes when you make your payments. The payments for the first ten years will be solely for the purpose of paying off the interest from your loan. This allows you to get most of the interest payed off in the first stages of payments. Then the payments will start paying off the principle amount of the loan along with the little bit of interest that remains. Again this type of loan is great for getting the massive pile of interest out of the way when paying off a large loan.

Applying for a Mortgage In Murphy, North Carolina

When applying for a mortgage loan in Murphy, North Carolina you have many options when it comes to loaners. You can choose between local trusts or large ,nation wide, banks to apply for a mortgage. Below you will find a list of places to apply for a mortgage in Murphy.

  • BB&T Bank
  • PNC Bank
  • First Citizens Bank 
  • State Employees’ Credit Union
  • State Farm 

Before you apply for a mortgage it is important to make sure you have a good credit score. Your credit score will affect whether or not you qualify for the mortgage you desire. You should also check the local mortgage rates. The current mortgage rates in Murphy, North Carolina are as follows:

30-year fixed rate mortgage in Murphy – 3.79%   National Average – 4.o6%

15-year fixed rate mortgage in Murphy – 2.59%   National Average- 3.27%

5/1 Adjustable rate mortgage in Murphy- 2.98%  National Average- 3.40%

As you can see, the average mortgage rate in Murphy is nearly 3/4 of a percent lower than the national average. This data was recorded in 2015 but you will notice that trend continuing as time goes by. The mortgage rates in Murphy are, on average, lower then the rest of the country.

Be sure that you look around and make sure that you find the right mortgage for you and your needs. You are going to be tied to your mortgage for quite some time; so make sure you make the smart choice.

 

 

How to Study for Two Tests in One Day

Tests are some of the most important events in your academic career. Whether it be a vocabulary test for a high school English class, or your entry exam for pharmacy school, tests can be a major source of stress in a students life. Especially if a student has two tests scheduled for the same day. How do you prepare for two tests on the same day? Students may ask; where do I start? What should I do if I don’t have much time to work with?

What to do if you Have Time to Prepare

There are multiple ways one can study for an upcoming exam but when it comes to taking multiple tests in one day your number one goal should be to start the studying process early. Starting early will give you time to really let the information sink in. This method allows you to gradually work your way through large quantities of information without rushing and feeling pressured. You can take your time and take the information one topic at a time. With the extra time I would recommend going through the information for one test at a time. Spend an hour or two one day on the content of one test then repeat the next day with the content of the other test. Repeat this process in the days leading up to test day. The confidence you gain by really understanding the topics will also be a great advantage you have on the test. When you are comfortable with what you have studied you will be comfortable when you sit down and read the first question. To increase this confidence you should do a quick review the day before the test. Start this review a few hours before you plan on going to bed. I have found that reviewing information right before sleep will help retain more than if you do your review in the morning test day eve. Split this final review session into two parts. The first part being for the second test and the second part being for the first test. This way the information for your first test will be freshest in your mind when you walk into that first test. The content for the second test will be just a little bit less fresh but a quick glance at the information will solidify your knowledge before you go take down your exam.

What to do if your out of Time 

When I say out of time, I am talking a mere twenty four hours until testing. When you are faced with circumstances like these it is time to shift your studying into high gear. Its time to cram everything you need to know for both topics into your brain and be ready to spit it right back out the next day. The process for this is going to involve the same type of last day review as when you prepare with time. Except this is going to be a beefy review. Start with the information for the test you will be taking second, then once you have become comfortable with this content move on to the information for the first test you will be taking.

When attempting to memorize large quantities of content quickly the best method is going to be flashcards. Create a flashcard for every term, fact, or definition  that you could be tested on. When making your cards try to add hints that will help the content pop into your head when you need it. Draw pictures as hits as well. Constantly seeing a keyword a picture and a fact together will help your brain find its way to the information you are looking for.

For example, when I was taking AP Chemistry in High school, our assignment was to memorize around twenty of the poly atomic ions and their charges. Of course I procrastinated and found myself in deep trouble. When the test was one period away and I had zero ions memorized. So I created a set of flashcards of all of the ions. For the ions; sulfate (SO4) and Sulfite (SO3) I noticed that the ending “ite” always had one less oxygen than the ending “ate”. So on my flashcard I wrote “ite -1 “. I know it is a little out there but it helped me a great deal. Find some hints that connect a question or keyword to the correct answer, and add them to the front of your flashcards.

Once your flashcards are all set up with hints and correct answers, There are a few different roads you can go down. You can just quiz yourself one card at a time by just looking at the keyword/ question and your hint then trying to get the correct answer. This method is a little overwhelming for some; so I have been using another flashcard technique that allows you to break up your pile of flashcards into smaller sections. This method was brought to my attention by one of my Spanish teachers and it has been my go to strategy ever since. It is called “Five Stack” and is very effective. To “play” five stack you will place all of your flashcards into a pile on the table/desk. Next pick up five cards and attempt to guess the answer of each of the five cards. After each card create a pile of incorrect cards and correct cards. Go through your whole stack of cards until you have tried to answer/ define each. You should end up with two piles of cards, one of cards answered incorrectly and one of cards answered correctly. The incorrect pile is now your drawing pile and you will begin drawing five at a time from it, placing cards answered correctly into the same pile of correct cards as the first round. Your drawing pile will get shorter and shorter as you answer more and more questions correctly until you have answered/defined all of the questions/ words correctly. To really solidify the information into memory I would recommend repeating this game two to three times.

If you really want to be successful on a test the best way to go is to begin preparing as soon as possible. Learning takes time and practice. However, we have all been forced to cram information last second for a test or two last second. Just make sure you really focus while following these steps and you will definitely do decent on any test you take. Tests not only reflect knowledge, but also effort put into preparation.  So make sure you prepare appropriately and knock out your next tests.

Whitewater Rafting the Nantahala River in June

Overview

The Nantahala river is a scenic whitewater river that is full of great views and also offers some thrills. Nantahala is a Cherokee word which, when translated into English, means land of the noon day sun. the river is called Nantahala because of the steep walls of the gorge. The walls are so steep that some parts of the river only get direct sunlight for the middle part of the day. The Nantahala river is a relatively short river that runs from Lake Nantahala to Lake Fontana. The section that is actually rafted is on the last eight miles of the river. The sections above the commercially rafted section are popular fly fishing spots. There are also scheduled releases for whitewater kayakers who want some class IV-V thrills. The section that is commercially rafted is only class II with one class III at the very end of the run. This river is great for kids and first time whitewater rafters who want an intro to whitewater rafting. Kids must be at least sixty pounds to raft the river with a commercial outfitter. The water is colder than fifty degrees year round due to the fact that it is sucked from the bottom of the four hundred foot deep Lake Nantahala. This water will give you a wake up call when you round the first turn and splash through Patton’s Run. The water is also amazingly clear on days it is not raining. You can even see a few rainbow trout if you are lucky.Whitewater Rafting Nantahala River in June

What to Expect in June

When you plan a trip to go whitewater rafting on the Nantahala River you will be visiting the Nantahala Gorge in the first full month of peak season. Peak season runs from Memorial day weekend until labor day weekend. In the month of June, rafting will be in full swing. All of the outfitters will begin putting down as many people as they can. The prices will be a little higher than they were in April or May but the cost is well worth it. The temperatures in June can range anywhere from the mid eighties all the way up to the low hundreds. This is the time of year when getting on the river is a relief from the heat of the southern smoky mountains. When you approach the river you will immediately feel the difference in temperature. The water is still the same freezing temperature of fifty degrees and it will sting when you first feel it. But once you get used to the cool water you may want to pull over at a deep spot and jump in for a quick cool off. There are some rainy days in the June, sometimes multiple in a row. Outfitters can provide rain gear to keep you warmer in the rain. If you don’t want to get rained on just make sure to check the weather before reserving your trip. The river will be much busier in June than in April or May. This is because summer has officially started and the kids are getting out of school and hitting the road with friends and family. Whitewater rafting on the Nantahala is a popular summer vacation idea. Families and groups of friends find there way to the gorge to enjoy the beautiful river. The busiest days in the gorge are obvioulsy the weekends. If you want to dodge the crowds, try to visit during the week between Tuesday and Thursday.

Lodging 

When searching for lodging in the mountains of western North Carolina you have a few different options. If you want to stay in a rental cabin, there are hundreds of options within range of the Nantahala gorge. The area surrounding Nantahala is full of beautiful cabins to suit any desire or price range. Another great option is camping there are plenty of campgrounds to choose from that are inside the gorge and just outside of it. Each campground offers a different camping experience. The weather in June is perfect for camping; with lows in the high low sixties camping is a great experience.  Rain is a possibility in June so bring a tarp or tent to cover your things. The campgrounds tend to fill up on weekends so I recommend calling ahead to be sure there is availability.

Nantahala River