Know when it's the right time to refinance your home. Refinancing is signing for a new loan to replace your original mortgage and usually done for cost-saving purposes. 

Deciding whether or not to refinance your home requires a serious look into various factors. And it also depends on your short-term or long-term goals because refinancing is not all about reducing interest.

Conventional wisdom suggests that you shouldn't enter into the refinancing process unless the market rates are approximately two percent below your original mortgage lock in rate. This difference should yield a "break even" period of about two to three years for most conventional, middle to high end, American mortgages.

Some more innovative re-financers may want to take advantage of one and a half or even one and a quarter percent differences in the refinancing rate -- if the principal of your loan is high, relative to the costs of refinancing, it may be worth it to refinance at one of these lower rates.

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Off Hwy. 22 sits the formal, gated entrance of Panther Creek of Madison, MS!  The entrance and gate are nicely manicured with architectural lights and professional signage.  Drive in to one of Madison Mississippi's finest getaways from quaint home sites nestled in the woods to large estate sized homes on the lakes.  Turn off the main road at 182 Lakeshire Parkway, Madison MS and go a couple hundred feet and there is entrance with a manicured flowerbed.  Come up the gravel drive and to your left is the 3-stall horse barn with tack room imported from California.  A little ways further sits the main house, which comprises of approximately 2700 square feet full of charm! 

When you walk in your greeted warmly with a large family room with warm colors and country accents.  To your right is a gas fireplace under a beautiful mantle and built-ins for books and entertainment.  Continue to walk straight into the large open kitchen with stained cabinets, double oven, and views of the lake.  The floor in the kitchen is hardwood, which gives it a very classy look!

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Come home to Madison Mississippi's largest private lake devlopment, Lake Caroline. With more shoreline. More waterfront and waterview homesites. More spectactilar sunrises and sunsets. 

Relax on your private pier. Host a party at the clubhouse deck. Fish for trophy bass. Sail, ski or sit by the shore and take it all in. Meet friends at the pool or tennis courts. Play games at the children's pool and playground. Your most practical choice is where to live

WATERFRONT BEAUTY located on Lake Caroline's 835 acre fishing lake in Madison County, MS. Serenity and complete elegance describes this 3 bedroom, 3 bath home with 3166 sqft of luxurious living. Decorated to perfection with lovely tile floors in the greatroom with a wood burning fireplace. Enchanting formal dining room with soaring ceiling just off a huge spacious kitchen. This beautiful kitchen is a chef's delight with top of the line viking cooktop, bosch dishwasher, sub-zero fridge, wetbar w/ice maker and winecooler. Step into the lovely master suite with windows overlooking Lake Caroline, Madison MS. Enjoy the relaxing and inviting sunroom with awesome views of the lake. Beautifully landscaped by Robert Poore, The waterfall is spectacular with beautiful flowers overlooking the tiered decking. This lovely home also includes a Boathouse with a lift & dock.

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When you price your home above its market value, fewer buyers will show interest in your property. When you price your home below market value, you increase the number of interested buyers. In the end, the price you set and the interest you create should reflect your selling goals.

What is a Comparative Market Analysis?  A CMA can vary from a two page list of comparable home sales to a 50-page comprehensive guide.  A Standard CMA report will include:

• Active Listings:  Active listings are homes currently for sale. These listings matter only to the extent that they are your competition for buyers. They are not indicative of market value because sellers can ask whatever they want for their home. It doesn't mean any of the prices are realistic. The offered sales prices do not reflect market value until they sell, and in buyer's markets, for example, most sell for a lot less.

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LIFE ON THE WATER IN RIDGELAND, MS

Harbor Walk, located on the Reservoir, Ridgeland MS is making progress, developer John Burwell said. But more funding is needed before developers can make significant headway on the estimated $750 million upscale mixed-use project.

Just before July Fourth weekend, the initial component of the development opened. It includes a short order grill with indoor and outdoor seating, a convenience store, a fuel station and office space all housed in a 6,000-square-feet, $1.3 million building called Harbor Station.

Burwell said the opening of Harbor Station sends out a major signal to the community that the development is moving forward.

About $20 million has already been spent on road construction, pier replacement and other work in the area, Burwell said.

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