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How to Calculate Which Type of Home You Can Afford

March 07, 2019

Calculating the type of home you can afford is one of the biggest questions many homebuyers have. Getting to that answer involves several factors. Your income and liabilities, what you can put forward as a down payment, and the particulars of your loan will all determine the kind of home and type of loan you […]

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Strategies for Coming Up with a Down Payment

February 20, 2019

Securing a down payment can be the most daunting aspect of home ownership. Whether you’re aiming for the minimum or hope to put down 20%, saving and gathering the initial funding can be challenging for anyone. At First Option we want to help everyone become homeowners, and so we’ve compiled a few strategies for coming […]

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Indoor Activities to do with Your Kids During Cold Winter Weather

January 30, 2019

Cold winter weather can cause cabin fever more than anything else, especially for kids—or maybe more especially for parents trying to distract them. If you’re like many Americans this year, you’ve already had more snow days than you know what to do with. There may be even more ahead, so consider these indoor activities to […]

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5 Factors That Can Affect Your Homes Resale Value

January 18, 2019

You may have just bought your dream home, or you purchased what you hope to be the first in your homeownership career. Either way, there may come a day when you want to sell. It could be to downsize or it could be to move up in the market or to take a job out […]

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Five Simple Actions You Can Take to Eliminate Debt in 2018

December 20, 2018

If you’re planning to buy your first home soon, or simply want a better rate on an existing mortgage, paying down other debts will put you in a better position to do so. Decreasing your debt-to-income ratio positively affects your credit score, and shows home lenders that you’re more likely to pay your mortgage on […]

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How To Develop Your Personal Homeowner Cost Checklist

August 28, 2018

Homeowner affordability (and stability) is serious business! If you’ve never owned a home before, the number of expenses, known and unknown, that you have to account for can feel pretty daunting. There’s your mortgage, but there’s also mortgage insurance, homeowners insurance, property taxes, repairs … and the list goes on. You’ve probably heard about the […]

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6 Steps to the Home Buying Process

August 16, 2018

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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