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Recent Articles

Nov
11
2015
How to Boost Your 401(k) With a Cash-out Refinance
You know you need to think about, and plan for, retirement, but one possible source of retirement income that many people overlook is the cash equity you’ve built in your home. When the market drops, many of us worry about our 401(k) balances, while many experts tell us that...
Oct
29
2015
Will I Be Able to Obtain a Mortgage After a Bankruptcy?
People file for bankruptcy every day, many for reasons outside of their control such as extended unemployment, divorce or unexpected medical debt. Bankruptcy can be a stressful, demoralizing time, and many people who file for bankruptcy worry that they will be unable to keep their...
Oct
21
2015
5 Tips on How to Make an Offer They Can't Refuse
In many areas of the US, the housing market is hot right now and when you find your dream home, you’ll need to move quickly and you’ll need to prepare an offer that shows the seller how serious you are in purchasing their home. So, if you’re ready to move forward in the home...
Oct
15
2015
How to Avoid Paying PMI
No one wants to pay private mortgage insurance. It's expensive, cumbersome, and can really get in the way of having you achieve your financial goals. However, sometimes it's necessary depending on your financial situation. If you want to avoid paying PMI, though, there are some ways in...
Oct
07
2015
Should I prepay my mortgage, or pay off my mortgage faster than planned?
Many people make extra payments on their mortgage each year, in an effort to prepay their mortgage, or to pay it off before the end of the anticipated loan term. Prepaying your mortgage can save you thousands of dollars, and even small payments now can quickly add up to dramatically...
Sep
29
2015
3 Facts about FHA Loans, and Why They Might be Right for You!
Many people assume that they won’t qualify for a mortgage unless they have a minimum of 20% of the purchase price to put down in cash, have great credit, and have a lengthy and stable employment history. Although much of that is correct for conventional loans through private...
Sep
16
2015
Should You Get a No Money-Down Mortgage Loan?
During the start of what turned out to be the housing bubble, many people heard stories about “no money down” mortgages, and how they were what “everyone” was getting. Although they are not as well publicized today as they were ten years ago, there are still...
Sep
09
2015
What is Private Mortgage Insurance (PMI)?
When we talk about purchasing insurance, it’s usually about purchasing coverage to protect ourselves against future unforeseen events. Health care crises, automobile accidents and the like. Sometimes, insurance coverage is required (like in the case of auto insurance and...
Sep
03
2015
Top 3 Reasons Why Buying is Smarter than Renting
Traditionally, part of the American dream was home ownership, and many adults worked towards that goal. Following the recent housing bubble, many people began to question whether buying a home was actually smarter than renting, with some advocating that home ownership came with lots...
Aug
28
2015
3 Ways to Boost Your Credit Score Before Applying for a Mortgage
It’s no secret that the best mortgage rates and most favorable mortgage terms generally go to the prospective buyers with the highest credit scores – regardless of down payment amount. That means that if you’ve spent all your time building your down payment but not...
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