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As far as fixed rate mortgages go, you have two main term options: 15-year or 30-year. But what’s the difference between the two aside from how long they are? How do you know which option is right for you? Read on to find out!   What is a Fixed Rate Mortgage? A fixed rate mortgage […]

There are a lot of factors to consider when beginning your journey towards a home loan. It can seem overwhelming at first, especially if you’re a first-time homebuyer. There are some questions you can ask your Loan Officer that can help clarify the situation and get you on the path to the best possible mortgage […]

Before you decide to refinance your home loan, it’s important that you understand how it works. Refinancing can seem confusing or overwhelming, but it doesn’t have to be. What is Refinancing? Refinancing is the process of replacing your existing mortgage with a brand-new loan. In short, refinancing presents an opportunity to improve your current mortgage. […]

LOAN LIMITS FOR FANNIE MAE AND FREDDIE MAC INCREASE TO $548,250 IN 2021, AN INCREASE FROM $510,400 IN 2020. The Federal Housing Finance Agency has announced the Fannie Mae and Freddie Mac conforming loan limits for mortgages for 2021. Each year, the baseline conforming loan limit is adjusted accordingly with the change in the average […]

In order for the loan process to run smoothly, one of the smartest things to do is get pre-qualified for a mortgage. A pre-qualification is an estimate of how much you can borrow from a lender which allows you to explore loan options specific to your financial situation. Pre-qualifying for a loan before you go […]

Many people believe winter is the most undesirable time to sell your home, but this doesn’t have to be the case. If you know what to expect, you can have just as much success selling your home during winter than you would any other time of year. Don’t be afraid to list during wintertime. Who’s […]

Your garage can serve many purposes, but not if it’s full of clutter. A recent study showed that only 30% of homeowners with garages use them to store their vehicles, because they are just too full! If your garage is cluttered, the good news is that this is a project you can tackle yourself at […]

It’s a hot seller’s market these days. That means there are more buyers looking to purchase homes than there are homes for sale, giving way to some strong competition. With the pandemic, more city dwellers and renters are looking to buy resulting in bidding wars and homes selling for more than the asking price. So […]

Whether you’re buying or selling a home, your real estate agent is going to play an important role. Real estate agents perform a variety of tasks during real estate deals such as organizing the transaction, acting as a liaison between buyer and seller, and offering support to their client throughout each step of the process. […]

When you’re pre-qualified for a home loan or beginning the mortgage application process, there are some actions you should avoid taking. These things could potentially delay your mortgage closing or even put you at risk of not being approved at all. Here are some things to avoid before your loan closes. Avoid Making a Large […]

1 Decorate and dress up to make the day feel special, even if you’re celebrating with a smaller group or by yourself this year. 2 Relax and watch the Macy’s Day Parade. It will look a bit different this year with no crowds, but the tradition continues nonetheless! 3 Try outdoor dining and activities as […]