Experience

Asheville Board of Realtors (Officer, Grievance, Professional Standards) Accredited Buyer Representative (ABR) Certified Residential Specialist (CRS) Certified Residential Broker (CRB) Regional…Read More

About Me

Thank you for visiting Beverly-Hanks & Associates website. Explore properties for sale, new home communities, relocation or meet our mortgage services team and sales associates. From start to finish, we strive to make your…Read More

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What is my home worth?

Get three estimates of your home's value based on sales price history, local trends and other neighborhood data.

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Why isn’t it a good idea to pay off your mortgage?

Paying off a mortgage quickly doesn’t make a lot of financial sense, but it does give a lot of homeowners a great deal of comfort. For it to make sense for you, the investment’s annualized rate of return needs to earn more than the cost of your mortgage interest rate. With many homeowners sitting on some of the lowest rates in history, (3.5%–5.5%) it’s not hard to achieve a higher rate of return. What makes it hard is that there are few guarantees in investments. While the stock market has produced a rate of return close to 10% over the last 90 years, individual investments lose money every day. Even real estate can include risk from market conditions and lack of liquidity. Working with a professional financial planner and mortgage loan officer is the best way to achieve confidence in your personal financial goals.

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Debbie Williams