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Buying a Home

Lease-Option Contracts & Regulatory Limitations

So, you began renting your home a couple years ago, and now you’ve decided to exercise the purchase option of your lease-option (sometimes also referred to as a lease purchase or rent-to-own) agreement.  Simple, right?  Not always. As the buyer, you will usually need a mortgage loan – and oftentimes, if you’ve been in a(…)

VA Home Loans for Active and Prior Service Military

Gone are the days of zero down payment loans — or are they?  Not if you’re on active duty, have served in the past, or have been a member of the Reserves (with six years of service)!  A VA home loan may offer you a great opportunity to purchase a home with no money down. (…)

Credit Tip: Avoid New Debt Before Closing

One of the questions we are sometimes asked is whether it’s okay to go ahead and start buying furniture and appliances now that the house is under contract and a closing date is scheduled.  Doing so can mean the death of an otherwise stress-free loan, so the answer is definitely NO! Incurring new debt impacts(…)

Need a Home Without Closing Delays? We Understand!

J. and I were recently talking about what separates us from our competitors. We talked about price, availability, product knowledge, reputation, etc. – all of the things that lenders most often talk about. But then we also got into a discussion about the benefits of closing on time. I’m no stranger to moving, and neither(…)

Important Mortgage Terms to Know

If you’re navigating a mortgage for the first time, there’s probably a lot of jargon that you find confusing. What are closing costs? What is APR? Before you make these big financial decisions, it helps to know just what exactly you’re getting into. In today’s post, we will talk about important mortgage terms to know(…)

Do I Want A Fixed or Adjustable Rate Mortgage?

Maybe this blog post title actually has you wondering what exactly that means. If you’re thinking about buying a home sometime soon, these ideas are very important and you will want to know what they mean and how they work! Today’s blog post will explain these terms, why they’re important to you, and how you(…)

Benefits of Buying a Home Now

If you’ve been waiting for a good time to buy a house, then now may just be the best time for you to do it! Interest rates on mortgages are projected to rise in the future, so buying a home in a few years could be incredibly more expensive than it is right now. If(…)

Things to Look For When Buying A Home

Buying a home for the first time can be a daunting task. Some of you may have dreamed for years about what you want your home to be like, while others may have no idea where to start. Before looking for houses, you need to decide everything you really want in a home, what’s most(…)