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The FHFA has announced a new refi program to benefit low income borrowers with single family mortgages. These mortgages will be backed by Fannie Mae and Freddie Mac. This new program is designed to help those who were not in a position to take advantage of 2020’s low rates. This new option could save borrowers […]

It takes some time to close even the most straightforward of home loans. These tips offer insight for avoiding pitfalls in between application and closing, so you can help make your loan process as quick and easy as possible! 1. Buying Large Items Avoid buying things like cars, boats, or other high-end items. Purchases like […]

Homebuyers are often not aware of what can cause issues within the home loan process and potentially sabotage your goals. Read these tips to learn some ways to avoid home mortgage sabotage! Credit Cards and New Debt Do not apply for any new credit of any kind! That creditor will show up on your credit […]

When researching the home buying and lending process, odds are you’ve encountered the acronym LTV at some point. But what does LTV mean and why does it matter? Read on to find out! What is LTV? LTV stands for loan-to-value ratio. Expressed as a percentage, LTV is the difference between the mortgage amount and the […]

Making the move to your new home can be a dream come true! Follow this moving checklist to keep the process as smooth and seamless as possible. You’ll be all settled into your new space in no time! Moving Checklist – Two Months Prior to Moving: Organize and Purge Go through each room in your […]

When starting the home loan process, you expect to work with a Loan Officer. But you might not be aware of all the behind-the-scenes mortgage team members that work hard to ensure your loan process goes smoothly from application to closing! So, let’s get to know them! Your Mortgage Team Consists of: Loan Officer Your […]

The return of springtime also marks the return of the annual spring cleaning ritual many partake in. Here are some tips for tidying and sprucing up your space this spring. Spring Cleaning Tip #1: Go Room by Room When cleaning, taking a room-by-room approach can make things much more manageable. Consider making a checklist for […]

Buying a home is one of the biggest investments you’ll make in your lifetime, if not the biggest. There are things you can do to better prepare financially. Save for a Down Payment While there are loan options available that allow for little to no down payment, you may find that putting down the standard […]

Life can get expensive, and some costs will always be outside of our control. Read on for 15 tips to reduce your utility bills and save some serious green! 1. Check the seals on all your windows, doors, and appliances. Drafty doors and windows make your thermostat work harder all year round. Poor seals on […]

Buying a home will most likely be the largest purchase you ever make.  With that in mind, you might assume having the lowest interest rate is best, but this is not always the case.  The lowest advertised interest rate may not be your best option.  Some lenders and mortgage brokers advertise low rates but don’t […]

Many people have preconceived notions about how to buy a house and what it takes to do it, but they aren’t always true. There are many pervasive myths surrounding the home buying process; read on for 5 misconceptions about home buying. The First Step is to Look for a House When someone is interested in […]

In this day and age, parts of the mortgage process have evolved to include virtual components. It is essential that you take steps to safeguard your personal information and data online. Here are some tips to keep in mind: Apply with a Reputable Lender It’s important that you choose a trusted lender to handle your […]