Refinancing your home? You may have heard stories from neighbors, friends, or family members that mention how they refinanced their home multiple times over the years. But how often can you refinance your mortgage, realistically? Technically speaking, you can refinance your home as many times as you need, as long as it makes sense financially […]
No Money Down Mortgage: Is It Right For You
You may hear it often advertised: Get a mortgage with no money down. But what is a no money down, or zero down payment, mortgage? As its name suggests, a no money down mortgage is a mortgage where the price of the loan is 100% financed. If you are approved, you get the loan amount […]
Pros & Cons of Paying Off A Mortgage Early
When paying off your monthly mortgage payments, you may have wondered if you can make extra payments each month in order to pay off the mortgage early. But is paying off your mortgage early really worth it? Let us explore the pros and cons of paying off your mortgage early:
Why Refinance Your Home?
Why refinance? Most times, homeowners refinance their homes in order to take advantage of the current rate environment with the goal of paying less interest over the life of the loan. To put it simply, refinancing can be broken down into revising the loan’s interest rate, terms, payment schedule—typically when the market and your credit […]
Getting A Mortgage When Building A Home
We talk a lot about getting a mortgage for homes that are already built. But what about those buyers who are looking to build their own custom home from the ground up? For this situation, buyers will need to take several extra steps to ensure that they are on the right path and have the […]
What’s The Difference? Earnest Money Versus Down Payment
You have found the home you want to purchase and have put down some earnest money on it. But then you discover that you also have to pay a down payment! What is going on? Was the money you paid previously not the down payment? While both the money you paid for the earnest money […]
Your Guide To Pet Friendly Home Buying
We love our pets and want the best for them. In fact, many pet owners buy homes in order to provide a good place to live for their furry friends. But purchasing a home with a pet is not often as simple as we like to think: There are a lot of details you must […]
What Determines Down Payment?
It is common home buying knowledge that when you purchase a home, you will be putting a down payment on it. A down payment is a payment made in cash that is a percentage of the total home cost. This percentage is typically 20%, though it can vary based on your circumstances and loan program. […]
Renting A Home Versus Buying A Home
Owning your own home is often described as The American Dream. Unfortunately, due to individual circumstances like your financial situation and factors out of your control like the housing market, owning a home may not happen right away. Instead, many people opt to rent a home in the meantime. But is this the right choice […]
Should You Accept An Escalation Clause?
Selling a home is often not the simplest of tasks: You must find a reputable Realtor to help you sell, market the property, obtain an MLS listing, the list goes on. When a buyer makes an offer on your home, they may offer what is known as an escalation clause. Ask yourself the following questions […]
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