by Adam Smith | Jul 5, 2019 | Homeowner
Summer is in full swing now, and it’s getting hot outside. I keep thinking about all the energy I’m using to keep my house cool (among other things), and I know there are some ways I can upgrade my house so it’s more energy efficient. And did you know that some...
by Adam Smith | Jun 20, 2019 | Homeowner
In many parts of the country, chances are you’ve recently gained some equity in your home. In some parts of the country, you might have gained a whole lot of equity (hello, west coast). But unfortunately, that equity is usually unavailable to you until you sell the...
by Adam Smith | Jun 6, 2019 | Purchase, Renter
Buying a house is expensive these days, and many people need a little help to come up with an adequate down payment. If you do, you may have heard something about an important document called a mortgage gift letter. Here’s everything you need to know if you’re being...
by Adam Smith | May 24, 2019 | Purchase
APR, or annual percentage rate, is a term you are certain to come across when you’re in the process of getting a mortgage. It’s really important to know what it means and how it affects your mortgage because it can greatly impact which loan you choose and how much you...
by Adam Smith | May 10, 2019 | Homeowner, Refinance
If you’re a senior who is 62 years or older, have you heard about how a reverse mortgage might be able to help you during retirement? A reverse mortgage can convert your home’s current equity into cash. Reverse mortgages sometimes get a bad rap, but they can be a very...
by Adam Smith | Apr 18, 2019 | Purchase, Renter
If you’re thinking about buying a home in the next few years, there are a few things you should know about how different types of debt can affect your credit score. Some savvy financial planning can put you lightyears ahead when you’re applying for a mortgage down the...
by Adam Smith | Apr 4, 2019 | Homeowner
Spring has sprung, so you might be ready to do some inexpensive home upgrades. If so, here are 11 things that will make your home look a whole lot better and add value. 1. Add Crown Molding A standard, builder-grade kitchen really isn’t that exciting. Functional,...
by Adam Smith | Mar 22, 2019 | Purchase, Renter
Closing costs can be an expensive part of buying a home. In addition to saving for your down payment, you need to save for closing costs, too. They can vary depending on where you live, but they’re generally between 2 and 5% of the total loan. On a $250,000 loan, that...
by Adam Smith | Mar 7, 2019 | Purchase
Have you known someone who has bought a multi-family unit and then lived in part of it while renting out the rest? It’s pretty cool to have someone else paying part or all of your mortgage. But getting a mortgage on a multi-family unit isn’t the same as getting a...
by Adam Smith | Feb 20, 2019 | Purchase, Renter
Thinking about buying a home? Congratulations! Buying a home is an exciting time in a person’s life, but if you aren’t prepared, setbacks may dampen your mood. Spending time preparing now can save you time and headaches after you’ve turned your application into the...
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