Your Guide to Getting Your Stimulus Check Fast
We sincerely hope that you and your family are doing well. Although we’re not out of the woods yet, the government is providing us with some relief over these next few weeks. Please save and share this brief guide to ensure you receive your stimulus check as soon as possible.
COVID-19 and Refinancing: Getting Access to Your Home Equity
COVID-19, also known as coronavirus, has changed everything. We're all making the necessary changes and adjusting to the uncertainty and general weirdness that this virus has caused. While even financial experts are unsure about what will happen next, there are a few clues that we can...
COVID-19 May Make Your Mortgage More Affordable
First off, we want you to know that we're in this crisis together. Sure, we've made adjustments to accommodate the "temporary new normal," but still, know that we're here for you more than ever before!
And that includes watching the market to find opportunities for your homeownership...
Insider Tips for Qualifying for a Home Loan with Student Loan Debt
When you first took out your school loan, you did it to open more opportunities. Unfortunately, having a significant amount of school debt can challenge those opportunities. If you have a considerable amount of school debt and are left wondering how you can still qualify for a home loan,...
Mortgage Rates are at an All-Low --Should You Refinance?
With mortgage rates at an all-time low, we’ve been refinancing many home loans, helping our clients to restructure their finances and saving them money in the process.
Are you also considering refinancing your current mortgage for the first time? Here are some of the questions...
Yes! Buying A Home With Low Credit Is Possible!
If you have bad credit, it may seem like buying a house is out of reach --or at least a couple of years away. But, in reality, struggling credit may not be as much of a roadblock as you may think!
If you have less than ideal credit and have the goal of buying a home in 2020, then this article...
Can I Defer a Mortgage Payment?
Deferring a mortgage payment means that you are postponing or skipping a mortgage payment until a later date. Those that are going through a temporary financial hardship look for ways to pause payments briefly while they get their finances in order.
The financial hardship could...
The Surprising Tax Savings Of Being a Homeowner
Tax season isn’t always met with positivity. But when you’re a homeowner, you tend to view tax season differently. That’s because of the tax benefits of being a homeowner.
With tax season soon upon us, we wanted to share some of the lesser-known tax benefits of owning a...
Home Shoppers - This Is How To Choose Your Ideal Neighborhood
Choosing your neighborhood should be considered just as carefully as the home when you're in the market to purchase a house. Just like moving in with a roommate, communities have habits and personalities --some of which may not be the right fit for you and your family.
For example, some...
Can you back out of a home purchase offer after it's accepted?
Although we don't see this too often, backing out of a home purchase deal that is possible in some instances. However, it's not without consequences.
This article gives you a general idea of what to expect should you cancel your home purchase agreement after it's accepted. However, it...
Breaking Down Mortgage Closing Costs
Whether you are buying a home or are refinancing, there are fees required to finalize the loan. We lump all these together and call them closing costs. With refinance loans, the closing costs are a bit less because certain elements are missing (such as title fees, home appraisal fees, and...
The Ultimate Home Shopping Guide for First-Time Homebuyers
Are you buying a house for the first time? Not knowing what to expect can make things unnecessarily overwhelming and daunting. To help reduce the stress of the unknown, we've broken down the timeline to buying a home in this step-by-step guide.
Keep in mind that this is just a general...
What to Expect When Buying a Foreclosed Home
Foreclosed homes are some of the best home purchase deals you can find but that doesn’t mean that you should through caution to the wind when considering purchasing a foreclosed home.
In fact, some foreclosed homes can end up costing you more money (or headaches)...
2020 Real Estate Trends: Is It a Good Time To Buy or Sell?
Some of the first things we look at when determining a favorable seller’s and buyer’s market are employment, income, and consumer confidence levels. Those 3 points combined with current rates and loan programs give us an excellent sense of how big the opportunity is for...
Saving For A Downpayment: Where To Keep Your Nest Egg
Saving for a downpayment is one of the first steps to buying a home --apart from getting pre-qualified for a mortgage. Starting your savings also requires quite a bit of commitment. It takes discipline to forgo that weekend getaway with friends or reduce everyday purchases like your usual...
What Are Mortgage Points and Are They Worth It?
Mortgage points, sometimes called discount points, are fees that you pay in exchange for a lower interest rate. The common reason that people "buy down the rate" is that the lower interest rate may lower their monthly mortgage payment.
Calculating the cost of a point is fairly simple. One...
Is It The Right Time To Get a Home Loan? Find Out Now!
The question of when it’s the right time to buy a home has been asked by countless. And the answer to that largely depends on what one means by “the right time.”
When is it the right time to buy according to the market? When is it the right time to buy according to your...
Are FHA Loans a Good Idea? What You Need To Know
If you have a low credit score or minimal downpayment, you may have heard that a government loan is a good option. But how true is that? Here’s what you need to know about FHA loans and whether it’s the right option for you.
Get The Facts About FHA Loans
As mentioned above, FHA...
Thanksgiving Holiday Safety Tips -Please Share!
Thanksgiving is just about here and we want to wish you a happy and safe holiday weekend. With that in mind, we wanted to share some safety tips. As it turns out Thanksgiving is the peak of home fires.
Because we care about you and your family, please take a few minutes to read over the...
The Advantages of a Large Down Payment
Most of the time, the goal is to put as little down as possible on a home, but paying more money upfront has its advantages. Here are just a few of them for you to consider.
Pay Less Interest
Putting a large down payment can save you thousands of dollars of accrued interest over the loan term....