03 Nov 2020
By noelkelman

How To Negotiate A Better Mortgage Rate

Mortgage, ,
For those who are thinking about buying a house in the near future, they want to make sure that they get the best mortgage rate possible. At the same time, if people who want to reduce the interest rate on their mortgage, then they need to do everything you can to make yourself as attractive as possible to lenders. When they are negotiating for a better rate on your mortgage, they need to keep a few important points in mind. Make A Larger Down Payment If people want the lender to reduce the interest rate on your mortgage, then borrowers…
Read More
30 Oct 2020
By noelkelman

How Much Income Should People Spend On A Mortgage?

Mortgage, ,
When people are looking for a home, this is an exciting process. There is always something fun about looking at potential homes and envisioning a future there. This is a big decision. At the same time, it is just as important for people to think about how much of their money they should be spending on their mortgage. There are a few rules of thumb that people should keep in mind.  The 28 Percent Rule One of the most common rules that financial advisors and lenders are going to talk about is going to be the 28 percent rule. This…
Read More
29 Oct 2020
By noelkelman

The Required Steps For A Smooth Mortgage Refinance Process

Mortgage, ,
There are lots of people who have heard that one of the top ways to ensure the best mortgage rate possible is to refinance. At the same time, it is critical to make sure that this process is planned out accordingly. Therefore, there are a few steps that everyone has to follow to make sure they are able to handle the mortgage refinancing process in a smooth manner that leads to the best rate possible. Ask If A Refinance Is The Right Step There are a lot of people who assume that a mortgage refinance is a financial win; however,…
Read More
27 Oct 2020
By noelkelman

How Everyone Can Reduce Their Monthly Mortgage Payment

Mortgage, ,
For many people, their biggest monthly bill is their mortgage payment. Therefore, it should come as no surprise that there are a lot of people who are looking for ways to reduce their monthly mortgage payment. The positive news is that there are several ways to do so. By putting some of these tips to use, everyone can find a way to pay less every month on their mortgage, helping them save money for other expenses such as a new car, college expenses, or that next vacation. Shop Around Before Getting A Mortgage For those who are still in the…
Read More
20 Oct 2020
By noelkelman

Are Home Warranties Worth The Money?

Mortgage, ,
Those who own homes might regularly receive mail advertising something called a home warranty. Many people end up tossing these leaflets away because they think this is just another form of home insurance, which many people get through their mortgage lender. In reality, a home warranty is not home insurance. Therefore, some people might be wondering whether or not a home warranty is worth the money. There are a few important points that people should know. What Is A Home Warranty? A home warranty is similar to insurance is that people are going to pay a set premium per year…
Read More
15 Oct 2020
By noelkelman

Falling In Love With An Imperfect Home

Mortgage, ,
When people start the process of trying to find a home, they want to make sure that they take the time to get this decision right. The reality is that a home is the most expensive purchase that most people are ever going to make. As a result, they need to make sure they find a home that will meet their needs. At the same time, it will be hard to find a home that is truly perfect. Therefore, it is a great idea for everyone to come up with a list of necessities and a list of features on…
Read More
13 Oct 2020
By noelkelman

Getting A Home Mortgage Through Virtual Lending

Mortgage, ,
There are many people who are looking to buy a home during the COVID-19 pandemic; however, given the public health crisis that the pandemic has created, some potential homeowners are finding it difficult to go about buying a home in the traditional manner. As a result, banks and credit unions have woken up to a major shift in society as they have had to catch up to the digital age. Right now, there are record numbers of people who are looking to buy a new home or refinance due to the massive rate cuts that the government has instituted in…
Read More
06 Oct 2020
By noelkelman

Taking A Closer Look At Home Improvement In 2020

Mortgage, ,
When it comes to home improvement in 2020, many people are spending more time in their homes than they ever have in the past. With kids attending school from home and people working from home, many homeowners are looking at ways to potentially improve the qualities of their homes through home improvement projects. With fall right around the corner, it is a great idea to take a closer look at some projects that can help homeowners stay safe while also saving money this winter. Do Not Neglect The HVAC System One of the most important points that all homeowners need…
Read More