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Should You Switch from a 30-Year to a 15-Year Mortgage?

April 17, 2018 15-year mortgage

Mortgage rates are down for the fourth week running, putting interest rates at lows not seen since May. The going rate on a 15-year mortgage is hovering well below 4%. So should you consider refinancing from a 30-year mortgage to a 15-year mortgage? Here are some questions to consider before you make a decision. How […]

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The Benefit of Using a Mortgage Company vs. a Big Bank

March 30, 2018 mortgage company benefits

Even before you begin house hunting or consider the length of your home loan, you have to make a more basic decision: Where to obtain your mortgage. Many different entities in America offer home loans, but most can be reduced to one of two categories—a mortgage company or a big bank. Banks can have their […]

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What to Take with You to Your Closing Appointment

March 06, 2018 real-estate-closing-appointment

So you’ve made an offer on a home, been approved for financing, gone through the inspection process, and deposited your funds into escrow. The big day has arrived, and you are ready to close on your home. Congratulations! As one of the most important steps in the purchase process, closing on your home can be […]

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The 6 Benefits To Buying Vs. Renting

January 29, 2018 Renting vs. Owning

There are plenty of reasons to own a house, and most of them are far from financial. Shoppers can become so caught up in all the numbers, rates, and figures that they forget all the reasons to buy their first home. With choices that will affect your family and memories for years to come, owning […]

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Sourced & Seasoned: Why Your Tax Refund Is Perfect For A Down Payment

January 13, 2018 shutterstock_54222883

Saving for a down payment and closing costs is one of the biggest struggles many homebuyers experience. To compound the stress, most loan programs require money used for a down payment to be “sourced and seasoned”. What does that mean? Sourced funds means you must show where the money came, like a bank account or […]

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How To Calculate An Adjustable Rate Mortgage

November 03, 2017 Real Estate Negotiation 101

You might be considering an adjustable rate mortgage (ARM) for your home loan, but you’re wondering how it works. If you’re concerned about cost, savings, or monthly payments over time, you’re certainly not alone. It can be tricky to determine if it will end up being the most affordable mortgage option for you. Many adjustable […]

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What You Need to Know About USDA Home Loans

September 26, 2016 what you need to know about signing a USDA loan

Great news for potential homeowners: The USDA is changing some of its parameters for the guaranteed home loan program! Starting October 1, 2016, the fees associated with the program will be greatly reduced, which means big savings for first-time homebuyers. If you’re not sure what sorts of loans the USDA offers or how their changes […]

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