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5 Smart Saving Tips for Buying a Home

June 07, 2018

You’re on your way toward buying your first home. Maybe you’ve even taken a summer staycation. But you’re still looking for ways to scrape together more cash to buy that new home. If you’re at a loss for more things to do, we’ve got a handy guide to help you maximize every penny in the […]

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Understanding Your Mortgage Payment

May 28, 2018 Understanding your mortgage payment

Your home is one of the most important purchases you’ll make in your lifetime. But paying off a mortgage isn’t like paying down a car, credit card, or student loan. Just like owning a home, it’s complex, and a variety of factors go into determining your monthly payment. Main factors Size, or principal, the amount […]

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6 Steps to the Home Buying Process

May 15, 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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How and Why to Refinance Your Home

April 26, 2018 Refinancing your home can seem like a daunting process. Here are the basics of how and why to do it.

Refinancing your home can be immensely beneficial. Taking advantage of new interest rates can lower your monthly payments, the total amount of interest you owe, and potentially save you thousands of dollars. To do that, however, you need to get a few things just right. Know your goals and value Before you refinance, you need […]

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Finding the Right Loan for Purchasing a Foreclosed Home

April 23, 2018

There are roughly 579,000 homes currently in the United States that are  either bank-owned or in foreclosure. Some real estate markets can represent an even larger percentage of these homes listed for sale. Aside from the fact that they are readily available, foreclosures can also be a great deal if you willing to put in a […]

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

April 17, 2018

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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Steps to a Lower Interest Rate

April 11, 2018 If you have a mortgage, you’re probably very aware of your interest rate. This is how you can lower it.

If you own your home, you’re probably very aware of your monthly mortgage payment and its interest rate. Payments on interest can add up to tens of thousands of dollars over the life of your mortgage, and the money you pay on interest does you less good in the long run than what you pay […]

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