Category Archives: Housing

What Is The Best Month To Buy A House (Three Ways You Can Save This Winter)?

The holidays are upon us, and more often than naught, prospective home buyers are putting their decision to purchase a new home on pause until after the New Year. Who can deal with all that stress during the holidays? I get it, buying a home during the winter can be a little more challenging, even uncomfortable to pack up and move during the holidays when our tendency is to slow down the pace and relax a little. If that resonates … Read more

What Type of Loan is Best for Home Remodel or Renovation?

One of the questions that we get all the time is, what type of loan is best for home remodels or renovations or home improvements? We stumbled upon these interesting facts from Zillow comparing or asking potential home buyers what would they rather do. Would they rather renovate their existing home and make it just the way they like it and stay put, or would they rather buy a new home? I was actually shocked to see that 76% of … Read more

5 Tips to winterize your home & save some money on energy bills.

Tis the season to be freezing! It’s that time of year again, the fun holiday season, and cold weather is here. It is important to take certain measures to make sure you and your home are protected during these cold months. Following these tips will not only help make your home more comfortable, but could potentially save you money on your energy bills as well! 1. Get rid of door drafts You know that small opening on the bottom of … Read more

What You Should Know BEFORE You Consider A Solar System 

What You Should Know BEFORE You Consider A Solar System The idea of being off the grid or at least reducing our energy footprint is exciting to most homeowners.  It’s easy to get caught up in the exciting future vision of every home and car being energy independent and completely solar powered. Watching Elon Musk at the Tesla 3 launch event, it was inspiring to hear him explain that Tesla exists “to accelerate the world’s transition to sustainable energy and … Read more

The Behind the Scenes of how Mortgage Lenders , Brokers, and Realtors get Paid – What you Don’t Know Might Surprise You! 

If you are like many of the clients we work with, you’re likely unclear how mortgage and real estate professionals are paid.  You might even assume that because you are a doctor, the eyes get big and the real estate or mortgage person you are working with only sees dollar signs, and since this is not your area of expertise, you may have some concerns. Here are a few comments we hear from clients regularly: “I’m not going to use … 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

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

What Impact Do Higher Mortgage Rates Have On Housing Prices?

Mortgage interest rates have risen by nearly one half percent thus far in 2018, most projections are for a five percent 30 year fixed rate by the end of the year and I personally would not be surprised to see it above that. WHY are rates moving higher after 30 years of lower and lower interest rates? As I have written about before, higher mortgage rates are a near certainty due to the fact inflation is ticking up faster than … Read more

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