Blog

Jan 25 2017

Are you self-employed? If so, you’re part of a rapidly growing segment of the US economy. In fact, an October 2016 study found that America’s freelancing economy has grown to 55 million people, or 35% of the entire workforce. Getting a mortgage can be harder and more expensive if you’re self employed, but there are […]

Jan 24 2017

A recent study estimates that as many as 33% of Americans have $0 saved away for retirement, and over half have “less than $10,000.” Fewer employers offer any form of retirement package, and given the financial demands of the modern household, it’s no wonder that so few workers are able to save for the future. […]

Jan 23 2017

If you’re considering applying for a mortgage to purchase a home, you can expect a long-term commitment. A 2015 survey found that despite 15-year mortgages being available, 86% of mortgage applicants opted for 30-year loans. With a 30-year loan, the borrower pays back the principal (amount borrowed to pay for the home) along with interest […]

Jan 19 2017

If you’re a prospective homebuyer, having a good credit rating is an important part of the mortgage process. And while there are a range of strategies for building and maintaining good credit, identity theft can damage your efforts and rapidly lower your credit score. As discussed in our first identity theft blog post, identity theft […]

Jan 18 2017

It is estimated that senior property owners are sitting on more equity than at any time in history – over $6 trillion. This has led to more seniors into considering a reverse mortgage. If you’re thinking about getting a reverse mortgage, we strongly advise talking with your adult kids about your reasons. Here are some […]

Jan 17 2017

Buying a property is both an investment, and your chance to have a home for you and your family. It is a financial decision that is not to be taken lightly, and throughout the process it is important to ask questions, stay informed, and make sure that you are making the best choice for your […]

Jan 16 2017

If you’re considering buying a home, you’ve probably heard about homeowners insurance—and you might have groaned about being required to pay for it. Concern over the cost of homeowners insurance is understandable, as it costs the average US homeowner $952 annually (in addition to mortgage payments and property taxes). But while the price of homeowners […]

Jan 12 2017

If you’re planning on using a mortgage to buy a home, mortgage lenders will review your credit score as part of your application. Unfortunately, all Americans are at risk of something that can severely damage your credit score: identity theft. The U.S. Department of Justice defines identity theft as someone obtaining and using another person’s […]

Jan 11 2017

According to the Government Accountability Office, 1/3rd of seniors age 55 and over do not have even a penny of retirement savings, and well over 50% have less than they need to live comfortably. For the children of seniors that are limited in their retirement, there may come a time when you need to come […]

Jan 10 2017

As many long-term homeowners know (and recent homebuyers often learn), remodeling a home can dramatically improve its livability and value. Whether it’s upgrading your kitchen, improving your bathroom, or removing a wall, remodeling can transform a home into your dream home. And the 203k loan can make it happen! The 203k loan combines the cost […]

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