07 Jan 2021
By noelkelman

When Is The Best Time Of Year To Buy Things For A Home

Mortgage, ,
For those who are trying to buy things for their home, it is important to think carefully. Nobody wants to overpay; however, reaching for something cheap may simply end up getting replaced quickly. There are a few highlights that everyone should consider purchasing for their home in January! Purchase Some Furniture In January First, everyone has to make sure they think about buying furniture either in January or July. A lot of furniture manufacturers provide retail stores with new pieces in February and August. Therefore, a lot of furniture will go on sale starting either in January or July. Storage…
Read More
05 Jan 2021
By noelkelman

Tips For Getting A Mortgage Application Approved

Mortgage, ,
Right now, mortgage rates have fallen to rates that haven’t been seen in years. This opens the door for many people to apply for a mortgage that they previously may not have been able to afford. Sadly, not everyone who applies for a mortgage is going to be approved. There are a few steps that applicants can take to increase their chances of getting their mortgage application approved. Increase The Credit Score Applicants need to make sure that their credit scores are as high as possible when they apply for a mortgage. The greater the credit score is, the more…
Read More
29 Dec 2020
By noelkelman

A Few Creative and Effective Ways to Save Money for a Down Payment

Mortgage, ,
For those who are looking to buy a home, they know that this is one of the most exciting experiences in the world. There is something special that comes with looking at a bunch of homes and envisioning a life there. On the other hand, the prospect of saving 20 percent of the home’s value to put down might seem overwhelming. Fortunately, there are a few creative ways that people can save up enough money to purchase their starter dream home. Talk To The Seller One of the first tips that people need to keep in mind involves talking to…
Read More
16 Dec 2020
By noelkelman

Getting A Lower Interest Rate During A Refinance

Mortgage, ,
There are a lot of people who have spotted the record-low mortgage rates right now and are wondering if they can refinance successfully. While many people apply for a refinance of their current home loan, not everyone will be approved. Furthermore, a home refinance is not the best option for everyone. Those who want to qualify for record-low refinance rates need to keep a few key points in mind. Be A Strong Refinance Candidate First, homeowners need to make sure that it is actually worth their time to refinance to a lower home mortgage rate. In general, homeowners want to…
Read More
15 Dec 2020
By noelkelman

Purchase The Right Amount Of Home Insurance

Mortgage, ,
For most people, their home is the most valuable investment they will ever make. Therefore, it needs to be protected. This is where homeowners’ insurance is critical. At the same time, buying the right amount of homeowners’ insurance can be a bit of a challenge. A home that is underinsured leaves the homeowner vulnerable to situations involving fires, floods, and theft. On the other hand, nobody wants to throw away money unnecessarily by over-insuring the home. How can everyone purchase the right amount of homeowners’ insurance? Review The Coverage Every Year First, people’s needs are going to change from year…
Read More
09 Dec 2020
By noelkelman

An Overview of Mortgage Forbearance: What Is This And What Should Homeowners Know?

Mortgage, ,
Current times are tough and there are a lot of homeowners who are having trouble making ends meet. Therefore, they are looking for ways to remain financially afloat as they assess their options. One option that people might have heard a lot about is called mortgage forbearance. It is critical for everyone to understand what mortgage forbearance is and how this might be able to help them during these challenging times. Importantly, it is also important for people to know what mortgage forbearance is not. What Does Mortgage Forbearance Do? For those who are currently facing financial challenges, mortgage forbearance…
Read More
08 Dec 2020
By noelkelman

Home Values Are Impacted By School Zones: Is The Move Worth It?

Mortgage, ,
If you are looking for a home, then you probably have a budget in mind. You also need to know about the most common factors that influence the price of a home. One factor that always seems to play a role in the price of a home is the quality of the school system. This makes sense. After all, a lot of people who are looking for a home have children (or are planning on having children) and want to make sure they have access to a quality education. At the same time, is it truly worth the price increase…
Read More
25 Nov 2020
By noelkelman

Home Expenses Include Far More Than Just the Down payment

Mortgage, ,
If you are thinking about purchasing your first home in the near future, then you need to be aware of the costs that you are going to take on. When you are looking at the cost of a home, it is very tempting to focus on the sticker price of the home. Even though the down payment is going to be the largest check you are going to write, this is not the only cost that you are going to pay. There are numerous other costs for which you need to budget as well. By thinking about all of these costs…
Read More