Homebuying Help: How Downpayment Assistance Programs Work

Jun
07
2023

Building Credit for Your Dream Home: 5 Clever Tips (Minus the Credit Cards!)
So, you're on the hunt for your dream home, but your credit score is in need of a little TLC. Building your credit doesn't always require opening credit cards. Here are some nifty tricks to amp up your credit score without applying for new plastic. Rent Reporting: Who knew that paying your...

May
31
2023

How Mortgage Points Can Lower Rates and Make Payments More Affordable
As you explore the world of home buying and financing, you may have come across the term "mortgage points." If you're wondering what they are and how they work to lower your mortgage payment, this article is for you. So let's dive into the details. How Do Mortgage Points Work? Mortgage...

May
24
2023

House Hunting: Finding the Perfect Price Tag for Your Dream Home
Figuring out how much to spend on a house is like trying to find the perfect porridge temperature, except instead of three bowls, you have a sea of houses to choose from. But no need to fret! As your local mortgage professional, we can guide you through the quest for homeownership. So let's get...

May
17
2023

Does Pre-Approval Really Matter in Home Shopping? The Answer May Surprise You
If you're in the market to buy a home this spring, you might be facing some challenges. With limited homes available and higher mortgage rates, it's crucial to have a clear understanding of your homebuying budget. Being determined and acting swiftly when making an offer is also key. One way...

May
10
2023

7 Surprising Things You Can Negotiate With Home Sellers to Get the Home You Deserve
When it comes to tipping the scales in your favor in homebuying, negotiating the asking price is often the first item on the list. But did you know that there are other things you can negotiate with the seller for your benefit? What's even better is that these items can often be negotiated...

May
03
2023

Buying a Home Rather Than Renting Still Makes Sense and Here's Why
Deciding whether to rent or buy a home this year? Rental affordability has been challenging for years, and it isn't changing any time soon. That's why many are considering the advantages of purchasing property despite the higher rates. According to data recently released by Realtor...

Apr
26
2023

Get the Best of Both Worlds: The Role of Mortgage Pros and Real Estate Agents in Buying a Home
Are you in the market for a new home and feeling a bit confused about the difference between a mortgage professional and a real estate agent? While both professionals play a vital role in helping you buy a home, there are some key differences you should know about. Here are three...

Apr
19
2023

Thinking About Waiting to Buy? You May Want To Think Twice!
You might be curious about what your next move should be as a prospective homebuyer. One aspect that likely concerns you is home prices, which have decreased somewhat since their peak last June. You may have also heard rumors of an impending price crash in the news or on social media,...

Apr
12
2023

Decoding Homeowners Insurance: How Much Coverage Do You Need?
Homeowner's insurance is a crucial component of property ownership, providing financial protection in case of unexpected disasters or accidents. The right coverage can mean the difference between recovering from a devastating event and suffering immense financial hardship. In...

Apr
05
2023

Waiting For Home Prices To Drop Dramatically? Here's Why You Shouldn't Wait
Many were expecting house prices to come crashing down, much like they did in 2008. While there have been many shifts in the housing market, we have yet to see a "crash." Why could that be? What's different now? This article will explore reasons that we may not see a major drop in prices as we saw...

Mar
29
2023

Why Condos are a Great Homeownership Option this Spring
Are you looking to buy a home this spring but feeling overwhelmed by the high costs of traditional single-family homes? It’s time to expand your search to include alternative housing types, like a condominium. Sure, they may look small on the outside but don’t...

Mar
22
2023

20% Down May Not Be The Right Move For You - Here's Why
The idea that you should put 20% down on a home is one that has been the "gold standard" for years. After all, when you put 20% down, you avoid paying for private mortgage insurance, and you'll have a smaller loan amount with lower monthly payments. It's something that could save you a lot of...

Mar
15
2023

Navigating Home Buying and Budgeting During Inflation: Mastering It for Success
We're here to help you make an informed decision about handling debt during inflation and planning your dream home purchase. In this blog, we'll explore various approaches to debt management, budgeting effectively, home financing options, and the factors to consider while working...

Mar
08
2023

Get Ready for the Spring Homebuying Season with These 5 Home Buying Tips
Getting ready to buy a home can be stressful and complicated. With so many details and decisions to make, it's no wonder why potential buyers often feel overwhelmed. This spring season, don’t let the high demand of the residential real estate market cause you stress or prevent you...

Mar
01
2023

How to Profit from Buying a Home Now Despite Rising Rates
Mortgage rates have steadily risen over the last few weeks, leading many potential homebuyers to pause their search. While it is understandable to be concerned about higher rates, this could actually be an opportunity to buy the home you’ve been searching for. Fewer buyers in the...

Feb
22
2023

Homebuying Help: How Downpayment Assistance Programs Work
If lack of downpayment or funds for closing costs are the main hurdle to buying a home, a state or local downpayment assistance program may be the answer! Most states, counties, and cities offer assistance in the form of grants or no-interest loans to help home shoppers pay for these costs...

Feb
15
2023

What's the Max Debt-to-Income (DTI) Ratio for a Mortgage?
Debt-to-income (DTI) ratio determines what mortgage you’re eligible for. So before getting pre-approved, your mortgage advisor will review your income and debts to help you understand where you currently stand. In this article, we’re going to look at what a...

Feb
08
2023

Should You Close Credit Cards Before Applying for a Mortgage?
If you have a $0 balance card, should you close it before applying for a mortgage? That’s a good question, but before you consider canceling your credit card account, it’s crucial that you know the potential drawbacks associated with closing an account. For...

Feb
01
2023

Does Having a Student Loan Affect a Mortgage Pre-Approval?
Student loans can be an obstacle for many when pursuing their dream of buying their first home. Aside from having the debt that can pose a challenge in getting approved for a loan, paying down school loans can also cripple your ability to save for important things such as closing costs, down...

Jan
25
2023

Your Mini-Guide To Buying A Condo
Do you want to own a house but want a smaller living space? If that’s the case, purchasing a condo unit might be better than buying a traditional home. Plus, there are benefits to owning one, too; for instance, unit owners typically take advantage of shared amenities, and the condo...

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