4 Ways to Cut This Cost From Your Mortgage Payment

Mortgages

4 Ways to Cut This Cost From Your Mortgage Payment

4 Ways to Cut This Cost From Your Mortgage Payment

Buying a primary home? The 20% down rule is yesterday’s news. More down payment options exist now, including both government and private sector alternatives, allowing more flexible choices for homebuyers. Don’t be fooled however, as most of the programs that allow for less than 20% down include private mortgage insurance (PMI) — which is an… Read More

4 Things You Need Before Buying a Home

Mortgages

4 Things You Need Before Buying a Home

4 Things You Need Before Buying a Home

Buying a home can be very exciting. But it can also be scary if you’re not sure if it is the right decision for you and your family. Many factors go into whether it makes more sense to buy or rent. Here are four things you should have before you take the plunge into homeownership…. Read More

Don’t Put the Car Before the House

Mortgages

Don’t Put the Car Before the House

Don’t Put the Car Before the House

The next time you’re in the market for a car, nowhere will you ever see a disclosure or a word of caution from the salesman about how financing that car could hurt your future chances for buying a house. Unfortunately, auto loans will affect your ability to purchase a house no matter how big or… Read More

How to Be a Savvy Homebuyer

Mortgages

How to Be a Savvy Homebuyer

How to Be a Savvy Homebuyer

Buying a home is a big decision personally and financially and it can sometimes seem like an intimidating process. Go into it with eyes wide open using these tips to be better at buying a home. Educate Yourself You can take control of your own homebuying experience by doing some research. Instead of relying on what… Read More

Am I Too Old to Take On Debt?

Managing Debt

Am I Too Old to Take On Debt?

Am I Too Old to Take On Debt?

Taking on debt is always a leap of faith, no matter your age. But taking on debt when you are older should be handled even more carefully. Similar to retirement investing advice, in general, the younger you are, the more risk you can take. You simply have more time to recover from any downturns. Good… Read More

Why the Lowest Mortgage Rate May Not Be the Best

Mortgages

Why the Lowest Mortgage Rate May Not Be the Best

Why the Lowest Mortgage Rate May Not Be the Best

Interest rate isn’t the only factor that can drive up your projected new monthly mortgage payment. Private mortgage insurance (PMI) and the term of the loan can also make a big difference in what you pay each month. So that lower interest rate loan you’ve been offered — adjusting for mortgage insurance and a shorter-term… Read More

10 Things You Need to Know to Negotiate a Home Sale

Mortgages

10 Things You Need to Know to Negotiate a Home Sale

10 Things You Need to Know to Negotiate a Home Sale

As the weather warms and the days get longer, home buying season gets underway. If you are considering purchasing a home, it’s important to do some research. The language of real estate can be confusing, especially to newbies. Here are some terms you will encounter that are helpful to know before you start negotiating on… Read More

The Mortgage Closing Process Will Get Simpler for Borrowers

Mortgages

The Mortgage Closing Process Will Get Simpler for Borrowers

The Mortgage Closing Process Will Get Simpler for Borrowers

A new report from the Consumer Financial Protection Bureau outlines the biggest challenges consumers face when finalizing a mortgage: They’re confused, frustrated and feeling pressured to sign documents they haven’t had a chance to read. While the CFPB is working to improve the closing process and, as a result, reduce stress on borrowers, consumers can… Read More

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