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5 Refinancing Mistakes to Avoid

Mortgage interest rates are the lowest they’ve been in years and perhaps you’re wondering if it’s time to refinance your loan. Lenders advertising their refinancing services make it sound as easy as filling out a form and paying less each month. While refinancing does...

Inspection Red Flags

Most homebuyers realize that they can’t expect a perfect home inspection report when buying a resale home. Cosmetic flaws and minor repairs are easily managed and shouldn’t be dealbreakers. That said, there are some issues that are more serious and should give the...

Tips for Homesellers

Tips for Homesellers

There is a lot of attention paid to first-time homebuyers. Most real estate agents and lenders have some kind of guide to help first-time homebuyers navigate their first home purchase, but what about the first-time seller? Selling your home for the first time can be...

Organize Your Pantry

The kitchen pantry is one of those areas that can quickly become a mess. Older cans and boxes keep getting pushed to the back and forgotten. How many of us have found cans of green beans dating back a decade or two during a spring cleaning? Or a box of crackers that...

What is Manual Underwriting?

What is Manual Underwriting?

Manual underwriting is how all loans were evaluated before computer algorithms took the human logic out of the process. Simply stated, a loan that is manually underwritten is one where a person evaluates the file for the borrower’s ability to make the loan payments....

Downsizing Made Easy

Downsizing Made Easy

If your lifestyle has changed with time and you’re ready to ditch the big house for a smaller, more manageable home, it might be time to downsize. Deciding to shift to a more care-free dwelling is easy – determining where to begin is much harder. The accumulation of...

Budgeting For Closing Costs

Budgeting For Closing Costs

Saving for a down payment in preparation for buying a new home is pretty common knowledge. With the mortgage meltdown, most mortgages that allowed zero down payments disappeared. While FHA and VA loans still offer little to no money down, most potential homebuyers...

Looking for a Mortgage? How to Protect Yourself from Identity Theft

Looking for a Mortgage? How to Protect Yourself from Identity Theft

Nothing is more stressful than shopping for a mortgage and realizing your credit score isn’t what you expected. Worse still is finding that your identity has been stolen and there are fraudulent accounts or activity on your report. Recovering from identity theft can...

Preparing Your Home for  a Virtual Tour

Preparing Your Home for a Virtual Tour

Technology is helpful in so many areas of life, even real estate. Twenty years ago, if someone were moving across the country, they'd have to wait to buy a house until they arrived to start their new life, or they’d have to buy a home without seeing it in person...

Your Tax Refund Can Get You One Step Closer to Homeownership

Your Tax Refund Can Get You One Step Closer to Homeownership

Saving money each month toward a long-term goal is increasingly difficult for most people. Even committed savers can get thrown off track when unexpected problems or opportunities arise. It can be difficult to envision how $200 a month can add up to a new home; the...

Say What? Home-Buying Lingo You Should Know

Say What? Home-Buying Lingo You Should Know

If you are a first time home buyer or even a repeat buyer, you quickly realize that real estate has a language all its own. Understanding some of the lingo can help you navigate the process a little easier. By learning a few critical terms, you will be in a better...

Tips to Pay off Your Loan Faster

Tips to Pay off Your Loan Faster

For generations, homeowners would buy a home for life. Working over the years to make the payments and celebrating the end of the 30-year mortgage were great milestones in the family. Today, few homebuyers expect to be in their home for longer than 7 years on average....