by Adam Smith | Aug 23, 2019 | Architecture and Design
Curious what’s hot in the world of home decorating this fall? It’s all about bold pieces, bright colors, and earthy accents. If you’re ready for a break from the neutrals we’ve seen the past few years, you’re going to be very happy. Pieces that Evoke Nature Have you...
by Adam Smith | Aug 9, 2019 | Market Update
The Federal Reserve recently cut its benchmark interest rate for the first time in more than ten years. In fact, 2018 saw four rate increases, so what does this change in direction signal, especially if you’re thinking of getting a new mortgage? Rate Cut Details...
by Adam Smith | Jul 19, 2019 | Home Buyer Advice, Home Refinance Advice, Purchase, Refinance
Applying for a loan is notoriously full of massive amounts of paperwork. And it’s not just any paperwork, either. You’re providing the lender with your most sensitive personal information, including your social security number, bank account information, and tax...
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,...
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