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Escrow: What is it?

Escrow is one of those terms that people are intimidated by, but they aren’t sure why. We’ve all heard of the mysterious escrow, but do we really know what it is, or what an escrow account is for? Well, let’s take a deep dive into the world of escrow and figure out exactly what this mortgage term means.

What is Escrow?

Tips for Homeowners Who Want to Refinance

Are you considering refinancing your home loan? Perhaps you would like to drop your interest rate, cut your monthly mortgage payment, or show that your credit has improved. If so, we have compiled a few helpful tips for homeowners who wish to refinance their mortgage.

First of all, what exactly is refinancing?

Home Loan After Bankruptcy

Declaring Chapter 7 or Chapter 13 bankruptcy limits your ability to borrow money or use a credit card. It also severely lowers your credit score, making it more challenging to get a home loan. However, take note that it is challenging; not impossible.

Of course, it will take some time to build back enough credit to take out a home loan, but you can do it! With some financial planning and patience, you can get back on track and buy a home even after you file for bankruptcy. We have provided a guide that may help you get back on your feet.

Home Renovation Ideas to Update an Older Home

Interested in getting the new home feel, but don’t want to pay the new home price? You could buy an old home and renovate it to look and feel like a new home. We have compiled a list of home renovation ideas that may help you turn an older home into your dream home without the new home price tag.

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Are you eligible for a USDA Loan?

The Single Family Housing Program under the United States Department of Agriculture (USDA) provides homeownership opportunities to buyers looking for a home in rural areas who meet certain income requirements. There are several loan, grant, and loan guarantee programs that assist people in finding a home that suits their needs without making them break the bank to do so.

Reasons to Buy an Older Home

Are you ready to buy a home but aren’t sure if an existing home is for you? Let’s consider the perks of purchasing an older home. We did the heavy lifting and have compiled a list of reasons why you might want to buy an older home. Consider the following:

VA Loans: Supporting our Military

Veterans and active duty members are able to finance a home through the Veterans Affairs (VA) Loan. This particular loan tends to be the loan option of choice for many military-affiliated borrowers. It is a government-backed mortgage loan guaranteed or insured by the U.S. Department of Veterans Affairs. On average, a VA Loan is easier to qualify for since the requirements are less strict for government-backed loans.

Are FHA Loans Right for You?

Does it seem like you’ll never be able to achieve homeownership? Don’t give up hope. The Federal Housing Administration (FHA) Loan Program is designed to assist homebuyers with low down payments and affordable closing costs. It is a government-backed loan program implemented by the U.S. Department of Housing and Urban Development (HUD). HUD insures loans in urban and rural areas for owner-occupied single family homes, excluding investment properties. 

Tips for Buying a Home

The decision to buy a home is a big one that many admire. Moreover, the achievement associated with buying a home is often referred to as the American Dream. However, the initial steps that lead to homeownership may seem overwhelming. For that reason, we have put together some helpful tips that may save you time and help you prepare for the mortgage process.

Why Buy Instead of Rent?

The decision to rent or to buy a home is one of the biggest financial decisions you’ll make in your life. There are people on both sides of the renting versus buying debate, but ultimately you’ll need to decide what the best fit is for you and your lifestyle. We will walk you through some misconceptions often associated with the buying versus renting debate. That way you can make an informed decision as to where you stand.