So you’re ready to buy a house, you’ve slowly saved funds for a down payment and are ready to sit down with your banker. During the initial pre-approval process when your credit score is checked, you find out it’s barely hitting the mark at 500. This qualifies you...
As the housing market continues to be hot, even if you’re not selling your home, it’s time to think about home improvements. This is a double-edged approach to protecting your asset and improving its curb appeal. Whether you want a minor remodel, a new...
Deciding to refinance your mortgage can be overwhelming, especially knowing exactly when to lock in a new mortgage rate. In our experience, considering the current financial climate, the time is now. Restructuring your home loan can also include options for using the...
Let’s face it — the last couple of months have been tough on all of us. Heading into the spring with a blazing economy and a historically favorable housing market for homebuyers, we all seemed to be on cruise control. Then came COVID-19. Now a sense of uncertainty...
If you look up “nitty-gritty” in the dictionary (yes, surprisingly it is actually in there), you’ll find the following definition: : what is essential and basic : specific practical details : With that foundation laid, the “nitty-gritty” of the mortgage process is...
Your situation is unique. Maybe you are buying your first home, your second home, or your dream home. Your credit score might be 780. Or maybe 715. Or maybe 680. Your annual income might be $300k+. Maybe it’s $180k. Maybe is a little less than that. You get the idea —...
