The Keys - from Bank of England Mortgage
A BOE Story from Loan Officer Gregory Ward - Tempe, Arizona

Jacksonville, FL’s own Troy Silhan recently helped a client who has worked for another mortgage lender for 14+ years. She was denied refinancing by her employer because her debt-to-income ratio was too high. Her daughter, whom was a past client of Bank of England Mortgage, told her mom to reach out to Troy for a second look.

She not only closed with BOE, but she was able to do so within 30 days. She did a cash-out refinance and was able to pay off a credit card balance and an installment loan totaling $10,000.00, saving her a total of $750 per month. She started the refi process with an interest rate of 4% on her current mortgage. Her employer (a mortgage lender) offered her a lower rate but it was not as low as the rate Troy was able to offer. Her rate was lowered by 1.25%!

When Troy called her with the clear to close news, she was in tears. She had reservations because her own employer wasn’t able to make it happen – but we did. She went from devastated to elated in less than 30 days! It’s truly more than loans…it’s people!

Thanks for reading! We look forward to having a new BOE Story for you next month!

Be Prepared

Outdoor Space When first starting out in transforming a small outdoor space to your own little at home oasis. You need to consider what will be the best positioning of the sitting area. A way to make the space feel larger is to have the seating facing the longest view point and possibly have it against a wall or fence. Both of these tactics will help emphasize the space you do have instead of minimizing it. You should have the same thought process when purchasing the furniture. Depending on your space you can apply either of these two small space mindsets. One option is to find furniture that has a thin frame and a narrow design.

This will create less bulk to an area and make the eye believe there is more space. The other route that you can go with the furniture is making it dual purpose. This typically means having a bench that can also open up and be storage. Having bench storage can be great if you are planning on sprucing up your space with some decorative pillows! Throw pillows are a great way to spice up your outdoor space. They are also not a long term commitment and can be changed to match the seasons. If your space does not allow for pillows you can always bring a pop of color in with a fun outdoor rug. A rug can bring style and color to a space without taking up space.

The only thing you will need to make sure of is when starting to buy the more colorful and stylistic aspects of your space is to only stick to a couple of colors. The more colors and the more patterns a space has the more cluttered it looks and to the eye the space shrinks. Colors of your pots and planters are included when thinking about the color pallet. Remember the golden rule “Less is More” especially in small spaces!

Finally, the most important thing to add to your outdoor space are plants. Choosing a plant will vary greatly on how much light the area gets and what your weather is like. Seasonal potted flowers are a great way to liven up an area. Another fun option for people that have some extra space are lemon and lime trees.

These trees can be grown in large pots and will eventually produce for you. They smell fantastic and bloom cute little flowers. You should want to make your outdoor space as inviting as possible, it should be an extension of your home. So, make it your own with these tips.

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Bank of England Mortgage is a division of Bank of England. NMLS# 418481. Bank of England Mortgage is an Equal Housing Lender. Member FDIC. For informational purposes only. Results may vary.

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