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appraisal Getting preapproved for a mortgage: When, why & how   Getting preapproved for a mortgage is an essential part of the home-buying process. While it’s possible to wait before securing your financing, there are major benefits to getting preapproval early.   For more information about preapproval, here are the basics to consider:   When to get preapproval   It’s recommended that would-be homebuyers obtain […]
appraisal Mortgage basics: A brief 30-year mortgage guide   Most homebuyers, even those just starting their first-time homeowner journey, have learned a thing or two about 30-year mortgages. For example, some 30-year mortgages will let you pay the mortgage down earlier than 30-years, while others may fix a prepayment penalty to that plan to make up the loss in revenue from the interest […]
buyer Average closing costs for buyer hopefuls: What to expect   Budgeting for buying a home can seem daunting, but one of the best ways to make it easier is to figure out the average closing costs for buyer hopefuls. There are various service charges bundled together to make up closing costs, and some can vary significantly based on location and specific property.   Here […]
appraisal Prequalified vs preapproved: Understanding mortgage terminology   If you’re a first-time homebuyer, odds are you’ve encountered the words “prequalified” and “preapproved” interchangeably. However, when it comes to home loans, there are some critical differences between the two.   Mortgage prequalification   Getting prequalified helps borrowers find out what kind and what size mortgage they’re likely to be approved for. Prequalification will […]
Buying Major advantages to buying a new construction home Once you’re ready to buy a home, you probably have a pretty good idea of what you want. However, one major question is whether to opt for new construction or an existing home. While there are advantages to both choices, new construction homes offer some excellent perks worth considering. The latest technology & amenities One […]
buyer Is it time to make the change from renting to owning a home? For many, the homebuying journey often starts with getting pre-approved for a mortgage. Once approved, a buyer has a mortgage can enter the real estate market with a budget in hand. Identifying key signs can help you decide if it’s the right time to secure a mortgage loan. You’re ready to upgrade from an apartment […]
buyer Top homebuying tips to add to your home purchasing plan   If you’ve decided to purchase a home, you may feel overwhelmed with all the moving parts of the real estate market. However, going into the world of real estate with the goal of purchasing a home becomes much smoother when you build a plan first.   Identify your home needs   A recent study […]
buyer Mortgage applications & your credit score   The mortgage application process can be stressful. One cause of stress is uncertainty about how multiple mortgage applications will affect your credit score. Luckily, the differences between prequalification and preapproval mean your mortgage shopping may not have the effects you expect.   Prequalification & preapproval   Mortgage prequalification and preapproval affect your credit in […]
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buyer 3 Ways to pay off your mortgage early   Paying off a mortgage early is a dream of many homeowners. However, economic factors can make it seem like an unattainable goal. With some careful planning and initiative, however, there are ways to pay off your home loan before your term limit.   1. Refinance your mortgage   If you’re considering making larger payments […]
buyer Saving for a new home purchase   Preparing to purchase a home? It’s time to get your finances in order. Saving for your home will prepare you for a down payment and other costs of homebuying, but also any unexpected expenses along the way. Here are a few tips for saving for your new home:   Budget   Creating a monthly […]
Buying A basic guide to real estate investing       While real estate investing can be a lucrative opportunity, if you don’t know what you’re facing, things can quickly get out of hand.   To help you get started, here are some ways you can get into real estate investing:   Real estate investment trusts (REITs)   Consider these like mutual funds, […]
appraisel What is an FHA loan & how does it work? If you’re a first-time homebuyer or simply searching for a mortgage loan to fit your financial standing, an FHA loan may be for you. With moderate requirements and longer loan terms, this mortgage type opens the door to homeownership for those who may be just beginning their financial journey. How does getting a FHA loan […]
buyer 3 Common reasons to refinance your mortgage   Homeowners refinance their mortgages for an assortment of reasons. Some reasons center around strictly wanting to pay off their homes faster and at better interest rates, while others may fall along practical life events or emergencies. If you find yourself asking, “should I refinance my mortgage,” try checking off a few boxes to help […]
buyer 3 Things homeowners wish they had done differently before buying a home Deciding to purchase your first home is a huge step, as it’s often a long term financial commitment. Studies have found, as much as 70 percent of homeowners have at least 1 regret regarding their property. Understanding common homebuyer regrets can help guide you during the homebuying process towards a home you can be truly happy […]
appraisel Property tax deferment: The basics   In some states, qualified homeowners can use a property tax deferment to save on annual expenses. While deferring taxes usually refers to a period of delay in paying taxes on an item until a later date, property tax deferment comes with some additional important factors. Here is a quick guide about property tax deferrals:   How […]
appraisel Pros & cons of no-closing-cost refinancing   Refinancing your home can have a plethora of benefits. Among lowering your monthly payment, refinancing your home can also allow you to borrow against your home’s equity. However, refinancing in the beginning can have significant closing costs, such as application fees, loan origination fees, mortgage insurance and interest – especially when involving mortgage points. […]
buyer The pros and cons of mortgage points   When buying a home, many homebuyers tend to search for the best mortgage interest rates available. While some may find that perfect rate, others may opt to take advantage of lender-provided options, such as mortgage points.   Mortgage points are designed to help buyers bring down their interest rates by paying them ahead of […]

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