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Avraham "AY"  Rappaport, CLTC

President, Financial Professional


Yaniv "Jay" Natanov

President, Financial Planner


Eli Rappaport

Vice President, Financial Planner


Shlomo Rosenstein

Financial Professional


Ozzie Marizan

Financial Planner


Joseph Greer

Employee Benefits Administrator


Dylan Pinsky

Client Relations Manager


Premier Financial

6395 Dobbin Road, Suite 102

Columbia, MD 21045


Phone:  240-309-6001




January/February 2023

Make Your Mortgage Easier to Live With

Beautiful young couple lying on the floor among cardboard boxes in their new apartment they just moved in. Daydreaming, making plans for the future.

The upside to owning a house is you’re building equity. The downside is the substantial amount of interest you’ll pay over the life of the loan. Finding a way to reduce that amount is a smart financial move.

Just Getting Started?
Shop around for a lender with the lowest interest rate. You’ll pay far less in interest on a 15-year mortgage than a 30-year loan. And a substantial down payment means you’ll have to borrow less.

Already a Homeowner?
You may be able to save interest by putting additional money toward the loan principal each month, allowing you to pay off your mortgage faster. But check with your lender first to make sure that there will not be any pre-payment penalties.

Steps to Take First
Before employing either of these strategies, make sure your financial house in in order.
  • Pay off all other debts, including personal loans and credit card balances.

  • Save at least three-to-six months’ worth of living expenses in an emergency fund account that you can easily access without paying a penalty.

  • Contribute a minimum of 15% of your income to an employer’s retirement plan or an individual retirement account (IRA).



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Premier Financial is not affiliated with Prudential Financial. Premier Financial sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Premier Financial is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Premier Financial and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Dylan Pinsky is employed by Eli Rappaport and not The Prudential Insurance Company of America or its subsidiaries.
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