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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Terry Sprague and Melanie McCarthy, a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent.

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  • About Terry Sprague and Melanie McCarthy - Information about Terry Sprague and Melanie McCarthy including testimonials, guarantees, credentials, and contact information. Learn why Terry Sprague and Melanie McCarthy is a proven Lake Oswego, West Linn, Portland and Sherwood, Oregon NUMBER1EXPERT™ Top Selling real estate agent.

 

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Real Estate Tips
Insurance >Do You Need Mortgage Protection

If you have a mortgage on your home, you may have received several offers from insurance companies that sell coverage to pay off your mortgage in the event you die unexpectedly. Although insurance in general is a good idea, mortgage insurance is usually a poor value in most cases.

If you read the large print, it appears that the policy will protect your family if you die before your mortgage is paid off. All you have to do is fill out the paperwork, have a physical exam, and pay a little more each month. The fine print, however, may limit the coverage relating to accidental death. If there are two people on the deed of trust, the policy may pay only half if one of them dies.

When considering mortgage insurance, call a good insurance agent before you send in your forms. Insurance experts usually advise against separate policies to cover various contingencies. A regular term life insurance policy equal to the amount of your mortgage will probably offer you a lot more coverage for your money.

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Real Estate Trivia
Q 
What has been described as the world's most beautiful building?

A 
The white marble Taj Mahal in India was built by the Mogul emperor Shah Jahan (1631-53) to enshrine his favorite wife.
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Terry Sprague and Melanie McCarthy, REALTOR®, real estate agent and broker for Lake Oswego, West Linn, Portland and Sherwood, Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Terry Sprague and Melanie McCarthy
Sotheby's International Realty

696 McVey, Suite101
Lake Oswego, OR 97034
503-459-3987
terrysprague@NUMBER1EXPERT.Com

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