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

January 25, 2017 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 Prepare for Mortgage Rates in 2017

January 18, 2017

After the Great Recession, the Federal Reserve set its benchmark interest rate close to zero to boost the economy. Since then, financial recovery and job growth have led officials to approve an interest rate increase. Interest rates control many factors, and a change in rate can create a domino effect to your home loan eligibility. […]

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Is Refinancing Right For You? [Infographic]

August 01, 2016 Considering a mortgage refinance? Consider the main types of home refinances an which refi is right for you.

Are you looking to reduce your monthly mortgage payment or cash-out some of the equity you’ve build up in your home to use for a big project or to pay off debt? There are two main types of mortgage refinances: a cash-out refinance and a rate and term refinance. Check out our helpful infographic covering some […]

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6 Steps to the Home Buying Process

June 30, 2016 the 6 essential steps to the home buying process

You’ve made the decision to buy a home, you’ve saved for a down payment, and you’ve been pre-approved by First Option for a mortgage. So what do you do next? What does the approval process look like? Have no fear! Here’s our guide to getting approved for your next big step and getting into your […]

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Happy National Insurance Day!

June 28, 2016 getting home insurance advice

June 28 is National Insurance Day, which we think is a perfect chance to think about homeowner’s insurance! We’ll review the important reasons why you should get homeowner’s insurance, as well as some things to keep an eye out for when you’re shopping for a policy. We also have a similar guide for private mortgage […]

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How to Get a Mortgage for a Fixer-Upper

May 24, 2016 How to get a mortgage for a fixer-upper

You’ve followed our guide on 15 ways to save for a new home, and now you have enough to make that down payment. But what if the home you’re looking at needs some TLC — or more than that, some serious renovation? Financing a fixer-upper can be tough, but we’re here to walk you through it! […]

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How to Prepare for Increased Mortgage Rates in 2016

January 06, 2016 What does the federal rate increase mean to you and how can you prepare?

Last month, the Federal Reserve decided to raise interest rates for the first time in nearly a decade. No need to panic. Learn what this means for your mortgage and what you can do to get ahead of the increase. Share this infographic with your house hunting friends and family to help them understand the rate […]

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