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Started in 1876, Jerome was once the next biggest urban area during the Arizona region. The populace peaked at 15,000 into the 1920’s. The anxiety in the 1930’s slowed down the mining operation plus the claim went along to Phelps Dodge, which keeps the claim these days. The second world war introduced increasing interest in copper, but following conflict, demand slowed. Influenced by the copper marketplace, Phelps Dodge my own closed-in 1953. The remaining 50 to 100 sturdy souls promoted the town as a historic ghost city. In 1967 Jerome is selected a National traditional District by government. These days Jerome is actually a thriving travellers and artist neighborhood with a population around 450.
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I forgot to mention that my first refinance was made free. I literally transferred the balance from my original mortgage to the new one without paying a single penny on fees. I only had to take an increase on my interest rates that was offered at that time from 5% to 5.375%. But I was already paying 6%. So I lowered my monthly payment from 1190 to 1090, but I kept making the same $1190 I was making when at 6%. The second refinance plan will pay itself off in ount that I paid on fees, I would have paid them on interest if I had kept my original 30 yr mortgage at 5.375%. I believe that if you can take a drop of 1% on your interest rates for a refinance plan, you consider refinancing your mortgage. Of course every case is different and every situation needs to be analyzed carefully before making these decisions. It is not very easy to go from 1200 to 1450 on the monthly payment, but it’s worth the effort in the long run. I just wished I had started with this mentality the first time I purchased my home. My balance would’ve been much lower now. Thanks for replying to my post.
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