Home Buyers Guide

Whether you’re a first time home buyer or you’ve already gone through the hurdles of a home sale, home loans, and home buying there’s probably something you’ll come across in your next home buying exprience that you hadn’t expected.  We’ve been through the house buying process twice now so I decided to put together a list of [...]

Costs of Owning Two Houses

Owning two houses can be both a mental and a financial drain.  With the slump in the housing market I know several families that bought a new house and have been unable to sell their old house. If you already own a house and want to buy a new one, it’s tough not to own [...]

Home Mortgage Rates – 6 Key Factors

Home mortgage rates offered by your bank can vary from person to person; what determines the interest rate you’re eligible for?  While the interest rates on 10 year Treasury notes have a major impact on whether mortgage rates rise or fall, there are many individual factors that go into determining your interest rate. Those individual [...]

FHA Loans vs Conventional Loans

The recent mortgage market crisis and tightening in the credit market has resulted in an increasing interest in FHA loans. Prior to the financial crisis, FHA loans, with their required down payments and limits on loan amounts, were somewhat unpopular. Now, though, with mortgages increasingly difficult to come by, FHA loan requirements seem a little [...]

Are Home Warranty Companies Worth the Money?

When you buy a home, you will probably be asked if you want to use a home warranty company to cover repairs to certain issues that might crop up. If you are buying a new home, chances are that the builder offers a one year home warranty automatically. You have the option to purchase a [...]

Buy or Rent – Which is Better For You?

Renting vs buying is a major decision; whether you rent vs own a home can have an impact on your family’s life for years down the road. With some of the best mortgage rates in years and deals to be had on homes in a down real estate market; if you’re renting you might be [...]

Pay Off Your Mortgage vs Pay Down Your Mortgage

Should you pay off your mortgage, pay down your mortgage, or simply just make regular mortgage payments? This is a decision facing many of us because one of the biggest purchases we make in a lifetime is a home. Since few of us can afford to pay cash for a house, most of us use [...]

Home Buying Tips From Our Big Purchase

Home buyers are definitely in the drivers seat in the current real estate market.  We know this because we bought a house for a great deal last week! Our realtor helped us find a good deal on a short sale that was about to go into foreclosure; so the whole home buying process had to be expedited [...]

How to Find the Best Mortgage Rates

Finding the best mortgage rates for a new home loan or even mortgage refinancing isn’t hard but it can take some work.  If you want to find the lowest interest rates you can narrow it down by first entering your loan details into mortgage calculators and comparing the results across multiple mortgage lenders. Mortgage Calculators The interest [...]

5 Good Reasons Buying a House Requires Planning

Buying a house isn’t something it’s easy to just rush into; the more you plan for buying a home the better off you’ll be.  Here are five ways that planning ahead can help. 1) Time to Improve Your Credit Score Your credit score & interest rate on your new home loan are closely related.  If you [...]

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