Blog

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The Search Is Over: What To Expect When You Are Ready To Buy A Home

The average home buyer will visit ten homes over ten weeks before finding one that inspires them to make an offer. With this historic sellers’ market, you might find that you are searching longer for your new home.  It is imperative that you have your preapproval in place to speed up the process and show…

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Mortgages: Rates, APR, Types, and what it means to your wallet

Most people will need a mortgage to buy a home. This purchase for many is the largest of their lives, and it is made of borrowed money.  Even minor differences in loans can create thousands of dollars differences in the long run. When looking at mortgage lenders, you should compare interest rates and APRs. The…

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Do you need help? Finding a Real Estate Agent

Homebuyers, especially first-time homebuyers, usually use a real estate agent to help them buy their homes. Your agent is your guide for the house buying process from the beginning to the very end. Their expertise, negotiation skills, and knowledge of the process helps you save or lose money on your home purchase or sale. Finding…

2

Ready To Buy? How To Choose A Home

Buying a home can become a very emotional experience.  Making a considerable purchase just based on emotion is seldom the best practice. Trying to ask and answer as many questions as to what is really important to you and your family before you start looking can help take some emotions out of the process.  It…

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What’s a down payment, and how to save for it?

People ready to take the step into homeownership need to create a savings plan for their down payment before they even look at the first home. A down payment is a large initial payment that you make when you buy a property, and it is required for most types of mortgages, though VA and USDA…

4

Understanding Your Home Buying Budget

Creating a home buying budget is an essential step in the home purchasing process. It may be easier to go through the pre-approval stage and choose to let that guide your budget. But sometimes, what you can get approved for and what would work for your long-term budget, financial goals, retirement, and financial stability DON’T…

1

How is your Credit Score used in the home buying process?

Your credit score helps determine the interest rate and other costs you pay on a mortgage loan. Mortgage lenders don’t just pull one fico credit score but verify your fico score from each of the three credit bureaus: Equifax, Experian, and Transunion. A credit score is a rating of your past financial history- a risk…

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Are You Thinking Of Buying A Home? Here’s How To Prepare.

Homeownership is calling you. At first, it was just a small thought in the back of your mind- maybe I should buy a home. But it doesn’t go away, and as you look around at family and friends who own, you start to feel a longing to join their ranks. It doesn’t help that everyone…

2

The Hunt Is On: Tips For Your Job Search.

The pandemic created instability within most people’s work lives. Whether you were in an industry that was hit hard by closures like restaurant and hospitality, had to navigate working from home with a spouse and children also at home, or simply held on to a job that wasn’t great for your career growth because it…