First-Time Homebuyer Guide
Tuesday, January 27
Purchasing your first home and obtaining your first mortgage will require patience, planning, and preparation. Prior to looking at homes, the first step is to be pre-approved for a mortgage. Many potential homebuyers start looking at houses before they are pre-approved. This is a huge mistake. It...
What to Avoid After Your Mortgage Pre-Approval
Saturday, January 24
Buying a house for the first time can be very exciting. The first and most important step in the home buying process is the mortgage pre-approval. But, many first-time homebuyers have the misconception that once they are pre-approved, they can change their financial situation without the possibil...
How Credit Inquiries Affect Your Credit
Tuesday, January 13
Every time you apply for credit from a lending institution, an inquiry is recorded on your credit report. This is called a hard pull inquiry. A soft pull inquiry is if your credit report is pulled by a non-creditor. Soft pull inquiries do not affect your credit scores; these include: potential em...
Home Improvement Resolutions For The New Year
Wednesday, January 07
Once again, it's that time of year to start thinking about resolutions for the New Year. As a homeowner you may want to consider a resolution to improve the value of your home. Many homeowners, especially new homeowners, forget that there is also time, money, and physical effort needed to maintai...
Post Holiday Credit and Budget Checklist
Saturday, January 03
Now that the gifts are unwrapped, carols sung, and the tree and decorations have been put away, it's time to check your credit and create a budget to pay off the holiday debt. During the holidays households typically use their credit cards at a multitude of stores as well as to make on-line purch...
10 Frequently Asked Questions About Real Estate Short Sales
Friday, December 19
What is a short sale?A short sale is a home sale for which the proceeds are less than the amount of liens on the property. In the event of a short sale, the lien holder (lender) must agree to accept less than the amount owed and must give permission for the sale to be completed. It is an alternat...