When to Refinance Before you decide to refinance your home, there are a few things to consider. Mortgage refinancing can allow you to lower your interest rate, tap into your existing equity, switch rate types or reduce your monthly payments. It’s a good idea to consider how long you plan to stay in your home and know what your current credit score is before moving forward with a refinance. Read on →

Looking to buy a house for the first time, or ready to buy a new house? One of your first steps is finding a mortgage lender, which is where we come into the picture. Our mission is to help you find a financial solution that’s ideally suited for your family’s unique needs and situation. But don’t simply take our word for it—put us to the test! Here are a few questions you might want to ask us: Read on →

Buying a home for the first time is intimidating and maybe even a little scary in “normal” times. If you’re looking to buy a house right now, it might even feel a little more alarming. We’re currently in a seller’s market, meaning the odds favor the person selling the home. That’s because there are a limited number of houses on the market right now—and lots of people looking to buy. Read on →

The short answer? It can be. Honestly, it depends on a few factors, including your current financial situation and how quickly you need to move into the home. That means the decision is a pretty personal one and highly dependent on your family’s needs and wants. But let’s talk through a few pros and cons: Pro: Fixer-Uppers Are Cheaper When you buy a fixer-upper home, you’ll typically save some money, at least on the initial purchase price. Read on →

When it comes to the mortgage application and home-buying processes, there are steps meant to protect the lender and some that give you a chance to ensure you’re getting a place you’ll love. In that latter group is the often-misunderstood home inspection, which is typically optional and not related to the required appraisal. So, what do you need to know about the home inspection, what can you get from it, and why should you say, “yes,” when you’re asked if you want one? Read on →

From renovations to repairs, there can be times when it feels like owning a home is nothing but a way to spend money, but there are regular reminders of the benefits. Making your payments on time can help you build your credit and you can borrow against the equity, to name just a couple. Then there are the annual benefits that come at tax time, with several deductions available for those who own their homes. Read on →

When they’re done signing for a mortgage many people feel they’ve put their names on most of the paper in the immediate area and it’s true, there’s plenty of paperwork in the process. Included in that is the documentation you’ll need to provide as part of the process. If you’re thinking of buying a home soon and want to give yourself a head start, you may want to start tracking down and collecting all those documents. Read on →

With mortgage rates at historic lows, this may be the best time ever to get into the real estate market. If you’ve set a goal of finding that home of your dreams in 2021, we have some suggestions of other aspirations you may want to set for the year. In these suggestions, you’ll find a good amount of homework and some explanation for why you should start saving now for that down payment, if you aren’t already. Read on →

You likely know your credit report, which documents your credit history and gives an overall rating of your ability to handle debt, is an important part of the mortgage application process. If you’re wondering how you can keep an eye on this important report, we have good news: It’s easier than ever right now! In normal times, you can get a free copy of your credit report once per year thanks to the Fair Credit Reporting Act. Read on →

Winter may be the perfect time for you to sell your home. There are typically fewer homeowners looking to sell, which could open the door to your place selling faster than it would in a time when there’s a lot of stock on the market. It could also present an opportunity to push motivated buyers to pay a little more than they would otherwise. It’s important to recognize part of the reason fewer people look to sell in winter is because spring often provides a more-favorable market and the farther into winter it gets, the harder it may be to sell. Read on →