by Adam Smith | Nov 28, 2018 | Homeowner
Paying off your mortgage early is a hot topic in the financial world, but is it always a good idea? The truth is that even though on the surface it sounds like a smart financial decision, there are plenty of instances when it’s not a good choice to pay off your...
by Adam Smith | Nov 13, 2018 | Purchase, Renter
How much of a down payment do you really need to buy a home? Saving up a down payment is one of the biggest obstacles for most people when buying a home. You may have heard the old rule that you need to save 20% down to buy a home. 44% of Americans believe you need a...
by Adam Smith | Oct 23, 2018 | Purchase, Renter
If you’re having a difficult time qualifying for a loan, a cosigner may be just the ticket that will get you into a home of your own. Adding a cosigner doesn’t make a mortgage possible in every situation, but it can often help. What exactly is a cosigner? A cosigner...
by Adam Smith | Oct 10, 2018 | Homeowner, Renter
Thanks to ever-improving wireless technology, there are many low-priced options that will make your home much more secure. If you want basic but high-tech security on a budget, here are some simple ways you can protect your home and the people inside it. Window Break...
by Adam Smith | Sep 26, 2018 | Homeowner, Purchase, Renter
I’m going to let you in on a secret—really, most people don’t know about it. Did you know that FHA loans (these loans are backed by the federal government) are assumable? An assumable mortgage lets the buyer take over the seller’s interest rate, current payment...
by Adam Smith | Sep 13, 2018 | Homeowner
If you’re getting ready to sell your home, you might be hearing some common myths from family and friends (or even strangers). I’m here to bust some of these common myths with accurate information about what you can expect when you sell your home. Myth #1: Overpricing...
by Adam Smith | Aug 29, 2018 | Purchase, Renter
Around 10% of all U.S. workers are self-employed. There’s an idea floating around out there that it’s much harder to get a mortgage if you’re a business owner. That’s not true, but there are a few things to keep in mind, and you’ll need to provide some extra paperwork...
by Adam Smith | Aug 14, 2018 | Homeowner
It’s still sweltering for most of us, but cooler temps will be here before you know it. So much can go wrong with a house during the winter, but just a little babying will go a long way to make sure your home stays in tip-top shape all the way through spring (and...
by Adam Smith | Jul 24, 2018 | Purchase, Renter
You’re ready to get a mortgage and suddenly you start hearing and seeing all of these terms you’ve never heard before—APR, DTI, due diligence. What do they all mean, and most important, what do they all mean for your mortgage? Just a little knowledge will help you...
by Adam Smith | Jul 10, 2018 | Purchase, Renter
Most people buy a home with someone else, though there are more single homebuyers than ever before, especially women. Often, it’s a married couple buying a home, but there are also many unmarried couples and partners who aren’t romantically involved who are taking the...
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