Tag Archives: mortgage
A Shift in Perspective

A Shift in Perspective

Many homeowners find themselves increasingly stressed about their mortgage payments and often consider these payments to be hindering their ability to save and even invest in their homes, lives, and children. The important thing to remember and consider when selecting your mortgage banker and mortgage portfolio is that these days, you can make them work […]

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Six Ways to Save

Six Ways to Save

So, you think you’re ready to buy a house. Homeownership has always been the American Dream; however, once you decide you’re ready to seize that opportunity, it can become overwhelming. Everything from finding a Realtor, laying out a budget, making wish lists, shopping for a mortgage, and spending your weekends going through multiple Open Houses […]

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Seven Stepping Stones

Seven Stepping Stones

I’m sure many of you have made your New Year’s resolutions and have already begun the path to fulfillment for 2017. If one of those resolutions is becoming a homeowner this year, you’ve chosen wisely. Buying a home is the best investment you will make and now is the time to do it. With favorable rates, […]

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Extra Credit

Extra Credit

When it comes to purchasing a home, most buyers begin to worry about their credit scores well ahead of time. In fact, in today’s market, homebuyers know that having a great credit score can give them the edge they need amongst other buyers out there. However, there’s more to the equation than just having a […]

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The Down Payment Lowdown

The Down Payment Lowdown

So, you want to buy a house. The largest hurdle, and one that actually prevents potential homeowners from taking the plunge, is the initial down payment and the mortgage. Definitely not something to take lightly, the down payment and the subsequent mortgage payments, however, should not intimidate you out of becoming a homeowner. This article […]

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50 Years Later: Interest Rates

50 Years Later: Interest Rates

Interest rates are the absolute best tool for enabling your home to also serve as an economic investment. Why? Originally real estate loans were not amortizing. They were interest only, and due and payable after three or five years! But once these loans became amortized, it allowed owners to know and plan their house payment for […]

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50 Years Later: Purchasing

50 Years Later: Purchasing

50 years ago, everything was done in person. Houses were seen in reality (not virtually), contracts signed in person at a desk (not a desktop), and loans were applied for and approved at the bank (not a cloud). Today and unheard of even five years ago, homes can be seen online, potential buyers can get […]

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The Down Payment Lowdown

The Down Payment Lowdown

Passing the “good credit,” test and being deemed an acceptable candidate for homeownership is one of the major pieces of the puzzle. However, once you’ve crossed that hurdle, the down payment looms in question. Sure, you’ve been given the ‘okay,’ but how much should you put down? How much can you afford without setting your finances […]

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Better Credit, Better Perks

Better Credit, Better Perks

It’s obvious: the better your credit, the better off you are. However, sometimes better credit brings not-so-obvious bonuses. One such bonus could be paying a lower home insurance bill. Owners who have a fair or median credit score were found to pay an average of 32 percent more for home insurance than those with stellar credit. This […]

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An Early Christmas Present!

An Early Christmas Present!

Your Christmas wish might have been answered! Fannie Mae and Freddie Mac will be offering borrowers the option of 3% down as early as next week. This news is great for first time buyers and owners with a smaller portion of equity. So, although we’ve given you several reasons to purchase your home at year’s-end, this […]

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