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Traditionally, we think of the homeowner path as upsizing. When we are young, we buy a small starter home to fit our needs and income. Later, our needs change as our family unit grows, and we move into a larger home to fit our needs. There are times in our lives, however, when smaller spaces … Continue reading Knowing When to Downsize


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For many people, buying a home is typically the largest and most significant single purchase they will make in their lifetime. When preparing to buy a home, it is important to understand what is affordable and how to prepare for this purchase in the form of a down payment. Know How Much You Need A … Continue reading Saving for a Down Payment


These days, there’s no reason why either a buyer or a seller should show up at the closing of a home sale without knowing exactly what their closing costs will be. Typically, mortgage lenders and real estate agents do a very good job of letting their respective clients know what they will be expected to … Continue reading What’s the Story on Closing Costs… Who Pays What?


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If you’re one of millions of Americans renting, it might be because you haven’t been able to save enough money for a meaningful down payment to purchase a home. Let’s look at several ways you can do so. Set a Goal Determine just how much house you can afford, then you can find out from … Continue reading Renting Now? Here’s How to Save for a Down Payment


Malware Key On Keyboard

There’s a new computer virus circulating called “GozNym” that’s targeting banks and banking customers who bank online. According to national news sources, the malware – malicious software – has been used to defraud banks in the U.S., Canada and Europe to the tune of more than $4 million. The malware carries with it a “new … Continue reading Do You Bank Online? Beware of This New Malware!


mortgage lending process

When you’re shopping for a home and preparing for a meeting with a mortgage lender, there are five important items to be aware of. Knowing them will make your borrowing experience smooth and painless. 1) Be Prepared. It’s not just a Boy Scout motto, it’s a great suggestion. When you meet with a prospective mortgage … Continue reading The Mortgage Lending Process: Five Things to Remember


Millions of people will be shopping online this holiday season. Online sales are expected to reach record levels, and convenience along with internet deals are the main reasons. But with that comes opportunities for hackers and identity thieves easy access to online shoppers’ personal information. Here are a few tips to keep your personal data … Continue reading Shopping Online? Keep Your Personal Data Safe!


New mortgage disclosure rules have recently gone into effect. With them go some important points to remember in dealing with mortgage lenders. Paying attention to these suggestions will help you navigate the new requirements and make your mortgage experience as smooth and hassle-free as possible. Do meet with your lender and review the variety of … Continue reading Dos and Don’ts to Help Keep Your Mortgage on Schedule


Rounding up Your Mortgage Payment

Many times in the mortgage lending industry, loan officers are asked what’s the best way to prepay their mortgage. Naturally, if you can afford an additional $100 or $200 per month to add to your monthly loan payment, you’ll save a substantial amount of interest over time by reducing the principal balance of your mortgage. … Continue reading Rounding up Your Mortgage Payment


Five Ways to Save Money on Your Homeowner’s Insurance

If you’re like most people, once you get your homeowner’s insurance policy you forget about it and probably never think about it again until a situation arises involving a possible claim. Your insurance policy is probably renewed annually and — unless there’s a dramatic increase in the premium — your policy and coverage remains “out … Continue reading Five Ways to Save Money on Your Homeowner’s Insurance


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