Category: Advice

2019 Housing Market Expectations
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2019 Housing Market Expectations

Here’s what to expect from the housing market in 2019: Rate Hikes Continue Quick Look: Housing Trends November Brought an Increase in Existing-Home Sales Housing Starts increased 3.2% in November 2018. Mortgage Delinquency Rate Fell to lowest level in 18 years in August 2018. Sources: Realtor.com® 2019 National Housing Forecast. National Association of Home Builders®. National...

Navigating Closing Costs
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Navigating Closing Costs

Taking on the home buying process is a monumental task. Between the paperwork, phone calls, and constant stress, it can be easy to forget about the cost of closing on a home. And more often than not, buyers are surprised by how expensive closing costs can be. But before you can prepare for closing costs,...

Home Maintenance Tips for The Winter
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Home Maintenance Tips for The Winter

Let’s cut to the chase; home maintenance isn’t all that fun. And as we come closer to the holidays we find ourselves with more and more to do. But as much as we’d like to stay in bed all day and watch re-runs of “Friends,” we all know that home maintenance is an important part...

Improve Your Credit Score in 3 Easy Steps
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Improve Your Credit Score in 3 Easy Steps

Staying on top of your finances is easier said than done. Budgeting, reducing spending on luxury items and overall monitoring of expenses is needed to maintain financial stability. A credit score is direct proof of your capability to pay off your debt through credit. 6 months is the usual amount of time it takes to...

VA Loan Benefits
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VA Loan Benefits

A VA loan is a special loan that is available to all Unites States Military Veterans. These loans are back by the Department of Veteran Affairs and have a variety of benefits. Benefits One of the most noticeable benefits of a VA loan is that there is no down payment required. Other loans such as...

Refinancing Your Current Mortgage
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Refinancing Your Current Mortgage

What is Refinancing? Refinancing is the process of paying off your original mortgage and replacing it with a new one. Your financial situation now may be different from what it was when your first mortgage was originated. Because you’ve already obtained a prior mortgage, refinancing tends to be a much smoother process with far less...

Home Buying Help: What is Escrow?
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Home Buying Help: What is Escrow?

Buying a home is often the biggest purchase you make in your life. With all that money on the line, buyers and sellers AND lenders need a safe and secure way to make the transaction. In order to make sure the home sale and mortgage funds transfer take place properly, your lender will open an...

What Are Closing Costs?
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What Are Closing Costs?

When you sit down to sign the papers to buy a home, you will most likely be required to pay closing costs. Mortgage closing costs are the fees associated with the home buying and lending process. What is included in my closing costs? The types of closing cost fees can vary based on region, property...

The Journey to Homeownership: Part 6 – Closing Time
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The Journey to Homeownership: Part 6 – Closing Time

Now comes the time to close on your home. Closing is the time when your contract is completed and now you sign a considerable amount of documents that will officially make you a homeowner. Prior To Closing There are several of significant actions you ought to take prior to closing day. They are going to...