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5 Things Just As Important As Interest Rate

Interest rates have made headlines all through 2020 and 2021. These historically low-interest rates have caused many families to consider buying their first home. Making this decision will help benefit your future long term, but it’s important to remember that there are more factors than the interest rate when shopping for your home. Here are […]

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Starting Your First Budget

If you have ever tried to budget, you know that it feels akin to dieting. A lot of motivation and wishful thinking, but shortly afterward, you find yourself back where you started. After working with thousands of homeowners on their down payment saving plans, we have learned the right way to budget.  Whether you are […]

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Common FAQs During The Loan Process

After helping thousands of homeowners, we have heard every question out there. We have compiled the list of the most commonly asked questions about the home loan process. Do I Need 20% Down To Buy A Home? You do not need a 20% down payment to buy a home. While putting 20% down will help […]

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Lingo You’ll Hear During The Loan Process

If you are buying your first home, you will need to learn some of the jargon before you get started. Here are the most important terms you will need to know ahead of the loan process. Appraisal You will hear the word appraisal earlier in the process. An appraisal is a 3rd party estimation of […]

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6 Ways To Improve Your Credit Score

Poor credit is one of the most common reasons that families put off their homeownership dreams. If you are dealing with vast amounts of debt or credit issues, it can feel overwhelming. Here are six ways in which you can improve your credit score today!   1. Pay Off Some Of Those Outstanding Balances Large balances […]

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10 Homeowner Terms You Are Going To Need To Know

As a homeowner, there are many terms you will need to know. Here are the top ten:  1. Escrow Escrow is where your mortgage payment will be deposited every month. This account is a safe place where the escrow company stores your money and disburses it to the correct parties (taxes & insurance).    2. PMI (Private […]

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The Real “Costs” Of Doing A Mortgage

As a lender that made it through the Financial Crisis of 2007-2008, we know that doing the right thing for your clients should be your ultimate priority. As a lender that focuses on experience and customer service, we believe that it is our job to educate people on all their options. As you shop for […]

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Buying And Selling This Spring

As temperatures start to rise and the holidays behind us, we usually see an uptick in real estate transactions. While spring is generally known as a busier season for real estate, we find ourselves in a very opportunistic time for buyers and sellers. Low inventory and interest rates have taken a typically busy period and […]

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5 Ways to Cut Costs and Save For A Down Payment

Get clear on the numbers Before you start saving for a down payment, it is critical to clarify the exact numbers. Speak with your lender to determine the down payment and closing costs needed on your desired home. They will also know how the local market is growing and choose the right program for you.   […]

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Gathering Your Documents For Your Mortgage

If you’ve ever bought a home, then you know just how much documentation will be required during the mortgage process. Many homebuyers report this as their biggest pain point during a mortgage transaction. Luckily for you, we have helped thousands of homeowners and have it pretty dialed in. Our goal is to get the documentation […]

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