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New Tax Laws of 2018

On Friday, December 22, 2017, President Trump signed the Tax Cuts and Jobs Act, designed to lower taxes and spur economic growth.  Most of these changes have already taken effect, starting on January 1, 2018.  Expecting to reduce taxes for individuals and businesses, this new tax reform bill will increase standard deduction, increase child credit… Read More

family of 4 looking to refinance their home

7 Reasons to Own a Home

For most, it is the American Dream to own a home.  It has always been an important milestone of adulthood.  But as a first-time home buyer, how do you know it is the right thing to do?  Besides the obvious benefits of owning a home, here are additional advantages of owning rather than renting. Tax Benefits… Read More

What is Mortgage Insurance and Can I Cancel it?

What is mortgage insurance? Mortgage insurance protects the lender in the event the borrower defaults on the loan. Defaults include failure to make payments because of death, medical bills and job loss. Mortgage insurance can be provided by a private mortgage insurance company (PMI) or by a government agency such as FHA or VA. How… Read More

Equifax Breach and How You’re Affected

Equifax is one of the oldest and largest credit-monitoring companies, aggregating information on over 800 million consumers.  The company provides detailed information about personal credit and payment history of individuals, indicating whether they are eligible to receive a loan.  In order to provide a full credit report, Equifax houses an enormous amount of sensitive data, such… Read More

Raquel Borras- Contributing to the Increase of Homeownership for Hispanics

 Raquel Borras recently joined the First Home Mortgage team with one main focus in mind- providing for the Hispanic community.  Being of Hispanic decent, she feels it is her obligation to help increase home purchases within the Hispanic population and help more Hispanic people build their career in the mortgage industry.  She firmly believes this community just… Read More

Maryland Opportunity Grant - Down Payment and Closing Cost Assistance

The Maryland Mortgage Program is now offering a grant for down payment and closing cost assistance to income selected homebuyers associated with purchasing a home in Maryland.  This grant is available starting July 31, 2017 and will end when CDA announces the program is closed.  This program is generally for first time homebuyers but can be available… Read More

Home Design Application Must-Haves

Did you buy a home and need inspiration to decorate it? Or, do you currently own a home and need an interior update?  These smartphone apps are perfect for you!  They help inspire home improvement, all in the palm of your hand.  These apps are smartphone Android and iOS friendly, at a minimal fee or no price at all.  If… Read More

$1,500 Closing Cost Assistance in Rhode Island and Florida

Looking to buy a home in Rhode Island or Florida?  This assistance may be perfect for you!  Rhode Island Housing and Florida Housing are both offering $1,500 in closing costs to qualified borrowers.  Rhode Island Housing is the state’s housing finance agency that ensures those who live or work in Rhode Island can secure a healthy,… Read More

Project Reinvest in Baltimore City

The Neighborhood Housing Services of Baltimore and the Maryland Mortgage Program are partnering to promote Project Reinvest in Baltimore City.  They are offering additional down payment assistance of $10,500 for eligible purchases in Baltimore City. The NHS help people find a place they can call home in Baltimore by gathering resources, simplifying information, researching money-saving incentives… Read More

CAUTION- The Dangers of Rate Shopping

Buying a home will probably be the largest purchase you ever make.  With that in mind, you want the lowest interest rate, right?  WRONG!  The lowest advertised interest rate may not be your best option.  Some lenders and mortgage brokers advertise low rates, but don’t inform you of all the additional points and fees that… Read More