17 Day Close Guarantee!

It’s no secret that there is a massive shortage of housing across the country. As a partner, we think it’s our responsibility to help you get your offer accepted in a really competitive real estate market. We work very closely with your real estate agent to make sure that we craft the most competitive offer humanly possible. The question we ask ourself is, if we put ourselves in the seller’s shoes, what could we do to make them feel the … Read more

Renovation Home Loans

One of the questions we have been getting a lot is, do you have renovation loans? And, what is a renovation loan? A renovation loan is a loan that will enable you to acquire the property, and fund the renovation of the home. This type of loan is kind of like a construction loan but instead of buying a lot a building a house, you’re buying an existing home and you’re doing a renovation. You can actually do a pretty … Read more

Rent Vs Buy, What’s Your Best Option in Today’s Market?

I just had a phone call with a client who asked the question: “Josh, we have about 10% to put down and we’re trying to figure out should we wait another year so that we have saved up 20% for a down payment, or should we go ahead and buy now?” I said, “Well that’s a great question. Before I answer the question, let’s think about what kind of a market we’re in and what might change between 2018 and … Read more

10 Ways to Get Your Home Ready For Spring/Summer

As the winter months come to an end, the warm weather approaches and heats up the earth. Your home has been sitting, cold, wet, and without much maintenance for quite awhile now. It’s time to get out and make sure your home is still in great shape and ready for the warm season ahead! The gutters are a huge part of your homes well-being. They control the flow of water and protect your roof, walls, and yard from rainwater! Make … Read more

Do I Need A Down Payment To Purchase A Home?

Do I need a down payment to purchase a home? This is a question we get asked quite often by first-time home buyers and the answer is, NO. Many first time homebuyers may qualify for down payment assistance*. There are down payment assistance programs all across the country which are often administered by local or state housing authorities and nonprofit organizations. Down payment assistance can come in a variety of ways which include; grants, fixed second liens as well as … Read more

Rising Mortgage Rates DO NOT Lead to Decreased Home Prices

A lot of people think that rising interest rates will result in lower house prices. What they don’t know is prices are determined by supply and demand.  While rising rates may slow demand, they also affect supply. “For current homeowners, the decision to buy a new home is typically linked to their decision to sell their current home… Because of this link, the financing costs of the existing mortgage are part of the homeowner’s decision of whether and when to … Read more

What Is An Escrow Account?

Many people wonder what an escrow account is, so what is it? What is an escrow account? When you’re buying a new home, you’ll set up an escrow account, which will be the account in which your taxes and insurance are paid annually when they come due. So rather than you making a mortgage payment, and then once a year paying your insurance or taxes, you make one mortgage payment and a portion of that payment is diverted to the … Read more

History of Mortgage Interest Rates & Why We Shouldn’t Worry

History of Mortgage Interest Rates & Why We Shouldn’t Worry As I write this in March 2018, interest rates are rising and may hit the 5 percent* mark this year. This trend is not slowing down and the days of 3 percent mortgage rates, which we have enjoyed since 2012, are likely gone for a very long time. When examining historical interest rates, the 5 to 6 percent range is actually a good deal! Starting back in the early 1970’s, … Read more

Moving up Is MORE Affordable Now Than Almost Any Other Time in 40 Years

Trulia recently posted a blog, Not Your Father’s Housing Market, which examined home affordability over the last 40+ years (1975-2016). Their research revealed that: “Nationally, homes are just about the most affordable they’ve been in the last 40 years… the median household could afford a home 1.5 times more expensive than the median home price. In 1980, the median household could only afford about 3/4 of the median home price. Despite relatively stagnant incomes, affordability has grown due to the … Read more

Five Mistakes to Avoid When Purchasing Your New Home.

You may be ready to take the next step in your life and purchase your first home. You may even be ready to move on to a newer home. No matter the case, there are several things that you must do before you move into that beautiful new home. Things like finding a realtor, finding the home, securing financing, saving for a down payment, and many others. With all of those variables, there are some roadblocks and potential mistakes to … Read more

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