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Buying a Home in a Gig Economy

A gig economy refers to a workplace in which temporary or flexible jobs are the norm, such as freelance or contract work, as opposed to permanent, full-time jobs.  There is no fixed salary, so income may be irregular and sometimes it may not even be documented.  Future income is also unpredictable while working freelance or… Read More

How to Win in a Competitive Market

It’s a seller’s market in the mortgage world these days. That means there are more buyers looking to purchase homes than there are homes for sale, giving way to some strong competition. Properties may be going off of the market more quickly since there is higher interest, and they may be selling for more than… Read More

Tiny House, Large Living: The Tiny House Movement

Living large doesn’t necessarily mean owning a mansion and filling it with an abundance of possessions. Just ask those who have joined the tiny house movement. You may be asking, what exactly is the tiny house movement? The latest trend involves homeowners downsizing to a home, generally measuring 400 square feet or less. Small, right?… Read More

Wire Fraud on the Rise

E-mail hacking and wire fraud schemes are on the rise in the mortgage industry. In the past few years, homebuyers have been schemed into losing thousands of their hard-earned dollars, and unfortunately, a lot of that money has not been recovered. So what exactly is wire fraud? It’s a crime in which a person (hacker)… Read More

Open House Red Flags

You have found a few properties online that you love and notice they are having open houses soon, great news! The pictures certainly make the house look perfect, but seeing the house in-person will give you an opportunity to see its true appearance. When attending an open house, it is important to look past the… Read More

Pre-Qualification vs. Pre-Approval

You’ve heard the terms pre-qualification and pre-approval, but what do they mean? They are the same thing, right? Not quite! The terms have been used interchangeably, but their true definitions differ. We’re going to break it down and explain the difference between the two. Pre-qualification The very first step to take if you are ready… Read More

What Happens at Closing

You’ve made it to the final step in the home buying process, closing. After all of the settlement documents have been signed and funds distributed, ownership of the property will transfer and the house is finally yours! Here’s what you can expect in the days leading up to your closing. Prior to Closing At least… Read More

Breaking Down Homeownership Programs

Buying a home is a big, if not the biggest, purchase you are going to make. You may have heard there are a lot of costs when it comes to buying, and hearing the word “down payment” may strike a small sense of panic, but it doesn’t have to! There are many programs offered to… Read More

Will Your Home Value Sink or Swim?

It’s been a long, hot summer so far; thank goodness for that backyard swimming pool to cool you off! There’s really no better feeling than walking out your back door and jumping in your own swimming pool. But what happens to that tropical paradise when those cold, winter months roll in? And when it comes… Read More

When to Consider a Renovation Loan

Sometimes you find a great house, but it needs a little bit of TLC. That is where a renovation loan comes in to the picture. A renovation loan, or 203(k), makes the process easier by allowing you to combine your renovation costs into your mortgage, helping you fund your home improvements. That means one loan… Read More