As a business owner, freelance consultant, or independent contractor, buying a home or refinancing can oftentimes be more challenging to secure financing. It can be difficult to prove how much…
Your Offer to Purchase a Home Was Denied: Here’s What To Do Next
When submitting an offer to purchase a home, the seller will respond in one of three ways: they can accept, come back with a counteroffer, or reject your offer completely….
Appraisal Report: What Is It? Why Do I Need One?
An appraisal report is a written report that is an independent opinion of the value of a home based on an appraiser’s inspection of the property. It specifies what a…
Pros And Cons: Buying and Selling a Home Concurrently
As a homeowner, if you’re moving, you might be trying to sell your current home and buy a new one at the same time. Balancing these two tasks can seem…
Mortgage Roadmap: A First-Time Homebuyer’s Guide To Getting Pre-Approved
When gearing up to buy a home, there are lots of moving parts to think about. There are the closing costs, insurance, location, rates, and so many other aspects to…
A Dirty Little Secret….About Interest Rates
For reference, an interest rate is the amount of interest due over the term of a loan as a percentage of the principal, or the amount borrowed. The interest rate…
Down Payment: How Much Cash Do I Need Exactly?
When determining how much to save for a down payment, setting aside as close to 20% of the home’s purchase price as possible is ideal. This allows for less interest…
How to Lower Your Monthly Payment with Discount Points
What are Discount Points? Buying a house is a huge purchase and many buyers look for ways to reduce their costs as much as possible. Mortgage points, also known as…
Evaluating Large Cash Deposits for Mortgage Loans
When applying for a mortgage, mortgage lenders will look at a variety of factors and financial documents, but one of the items that most people don’t think about is large…
FHA vs. Conventional Loans: What’s the Difference?
What Is An FHA Loan? An FHA loan is a home loan backed by the Federal Housing Administration, a government agency created to help home buyers qualify for a mortgage….
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