Energy Efficient Homes Made Easy

The Easiest Ways to Save Money with Energy Efficiency Making a budget is a lot easier than actually sticking to it–we know. But when you become a homeowner, it’s even more essential that you make an effort to live within your means. Your house is not only your biggest investment, it’s also the place you…

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Unmarried and Buying a Home

What You Need to Know About Buying a Home as an Unmarried Couple Buying a home with a loved one is an exciting next step. However, home purchases between unmarried couples come with a few challenges. And since buying a home presents a significant financial investment and personal commitment, it’s important to know the challenges…

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Time for a Bigger Home

We may grow but our homes do not.  Starter homes are just that, for starters! Lets take into consideration the benefit of a larger home.  Of course the amount of space for living and storage; no more elbow bumping or closet overloads when a larger space is available! Well that’s just obvious.  Consider how you…

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Homes for No Money Down

No Money Down Home Loan Programs USDA Home Loan A rural development mortgage from the USDA is a zero-down loan for low-to-moderate income families. Besides the no money down, you’ll enjoy other perks like a mortgage insurance premium (mip) is that’s lower than most other home loans. There are a few limitations to this loan,…

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Did you Know?

Did you know: A few months back Facebook added a new function to the business page template allowing one to upload a video as their cover photo. Benefits of this highlight a business’s services, team, location, etc while keeping the viewer interested. Recently, Facebook also created an featured video for the videos tab of a…

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Quick Tips to Raise FICO®

Tips to Raise your FICO®Score Get qualified for a better mortgage with a better credit score!   Your FICO® score is a critical factor to getting approved for a home mortgage loan. The FICO® score, meaning the standard U.S credit rating, is largely responsible for the terms and conditions (including the interest rate) that you…

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How Home Sellers can help Home Buyers

Seller Concessions When home seller pays costs on the home buyer’s behalf. Title Insurance, Processing fees, Origination fees,  Inspection fees, Transfer taxes, etc.   Seller Concessions can differ with each financing type or transaction purpose. i.e. primary residence, second or vacation home or investment property.     Great strategy to decrease cash to close for…

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Conventional Financing without 20% Down

20% Down for Conventional Financing or No Deal? When envisioning the American Dream of financing your next home; how often have you been told, “You must have 20% down in order to qualify for a Conventional home loan?” Q: Why is having 20% so important? A: With a 20% down payment, Private Mortgage Insurance (PMI)…

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To Refinance or Not Refinance?

Refinancing is the process of replacing an existing loan with a new loan, different terms.  The new loan pays off the current debt.  Debt is not eliminated when you refinance but replaced by a loan with better terms/features to improve your finances. Refinancing is done to allow a borrower to obtain a better interest term and…

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