Do you know what steps to take when purchasing a new house? Buying a home can be stressful but our team is here to help make this process as easy as possible. Here are the steps to take: 1. Select a Real Estate agent 2. Get pre-approved for a mortgage 3. Select and view properties…

Thinking about updating your homeowners insurance may not be something that you do very often. But to make sure you and your belongings are protected, you have to update your homeowners insurance as things change. So when should you review your coverage? 1. If you make any changes to your home to increase the value,…

Selling your home takes some work but putting in the effort can make selling a bit easier and could result in a better outcome. 1. Landscape- When buyers come to your home the landscaping is one of the first things they will notice. Make sure your lawn, plants, flowerbeds, etc. are looking neat. First impressions…

If you’re thinking about buying your first home, make sure you take into account all costs that could go into home ownership. Here are the costs you have to take into consideration: • Down payment • Closing costs • Monthly mortgage payment • Taxes • Insurance • Utilities • Homeowners association (if applicable) • Yard…

When beginning to think about purchasing a new house, getting pre-approved for a home loan can be a good place to start. Getting pre-approved can help you. Here is how: 1. Determine how much you can afford to spend on a home 2. Increase your bargaining power 3. Determine what your total investment will be…

Are you ready to buy a home? Here are some key points to being prepared to make your first offer. 1. Know what you can afford and how much cash is needed. Knowing what you are pre-approved for is helpful because you will be searching and looking at homes in your price range. 2. Know…

1. Determine how much you can afford to spend on a home. A pre-approval shows you how much you can afford to spend on a home based on your debt, income, and credit. 2. Increase your bargaining power. Knowing how much home you can afford can give you more bargaining power when negotiating with a…

There are 3 pillars we evaluate for pre-approval: Your Credit Includes your credit score and history Your Income Includes your employment history and monthly income and debt Your Assets Includes the amount and source of money available for down payment and closing costs Have questions? We are here to help. Get pre-approved for a home…

Here is a closing glossary you may want to know if purchasing a home: Appraisal Fees: Fee set by the appraiser to provide a written estimate or opinion of a property’s value based on comparable sales, improvements on the property and location Lender’s Title Insurance: Fee paid to the title company for insurance of lender’s…

Depending on the changes that have occurred in your life, you may be thinking about upgrading or downsizing your current home. Whether you have empty rooms, need more rooms, or now have a far commute to work, you may be thinking about finding your next home. Choosing to sell your home is a big decision.…