Latest Articles

Homeowner’s Insurance

Purchasing a home is a significant investment, and protecting that investment is crucial. Homeowners insurance is a type of insurance policy that protects your home and personal belongings in the event of damage or loss. In this blog, we will explain what homeowners insurance is and why someone should have it. What is Homeowners Insurance? […]

9 Common Homebuying Mistakes

Buying a home is a major financial decision that requires careful consideration and planning. Unfortunately, many first-time homebuyers make common mistakes that can cost them time, money, and emotional stress. In this blog, we will discuss some of the most common homebuying mistakes and how to avoid them. Overextending Yourself Financially One of the most […]

FAQs

Buying a home is a major decision. It’s only natural to have questions. Here are answers some of our most commonly asked questions. Don’t see what you’re looking for? Reach out! We love talking about mortgages and helping our community members better understand them. You can call, email, or even click the chat button down […]

Hard Credit Inquiries

Big Changes Coming to Hard Credit Inquiries As of January 1st, the price of hard credit reports for mortgages will see a drastic increase. Why does this matter to you? Hard inquiries are used for mortgage pre-approvals, which are considered incredibly important to have when shopping for a home. Many sellers don’t consider an offer […]

Seller-Funded Temporary Buydown

What is a Seller-Funded Buydown? A Seller-Funded Buydown is a seller credit/concession given to the buyer to lower their payment temporarily. This program is generally used in a higher interest rate environment to make a house payment more affordable. Payments are made more affordable for the first one, two, or three years of the mortgage […]

Seller’s Concessions

As the housing market calms down from its hot streak of 2020-21, sellers are becoming more motivated to negotiate with buyers. A common point of negotiating is a seller’s concession also known as a seller’s assist or seller contribution. What is a seller’s concession? A seller’s concession is when the seller agrees to pay some […]

Earnest Money Deposits

What is an earnest money deposit? An earnest money, or good faith deposit, is a deposit from the homebuyer to the seller that shows good faith that the buyer will go through with purchasing the home. Earnest money is a great tool for homebuyers in a competitive market. It helps show that you are serious […]