Category: General

A Loan Estimate is a three page form that you receive after you are approved for a home mortgage. The loan estimate includes important information, including the interest rate, the monthly payment and closing costs. It also includes estimated costs such as homeowners insurance and property taxes. The form has clear language to help you...

With the first day of spring just around the corner it is time to do a little bit more cleaning than just vacuuming and dusting. Follow these tips below to make sure your home and family are ready for a clean spring season! Clean your gutters Scrub walls, baseboards and outlets Replace filters Clean out...

With Veterans Day coming up this weekend, there are several places that offer discounts to Veterans to show appreciation for their service. Here are some local places that are offering discounts: Goodwill – On November 11, Goodwill offers 50% off all donated apparel with military ID. Great Clips – On November 11, veterans and current military members can visit...

This weekend we honor and remember those that have sacrificed their lives for the freedom of our country. To also thank active duty and veterans for their service, companies are giving incredible discounts. Don’t miss out on the Memorial Day sales that are near you! Jiffy Lube Most Jiffy Lube locations offer up to 15%...

When we are calculating income we have to evaluate three major things: is the income stable and reliable? Is it anticipated to continue in the foreseeable future? And is it an sufficient amount? Generally such income cannot be seen as stable and reliable if it has been received for less than 2 years. That being...

An FHA loan is a government insured loan where as a Conventional loan is not a government insured loan. The FHA loan is often easier to qualify for because it has a low down payment, being 3.5% of the purchase price. You are required to pay private mortgage insurance, so if you default on your...

The VA home loan is a great benefit to all veterans! The VA does allow new construction, but finding a lender to do it is the hard part. The reasoning behind that, is because the VA loan is 100% financing, most construction loans require a down payment and lenders will not do a construction loan...

With the cold weather coming, it is now time to think about getting your home cozy before the snow and ice hits. Here are 10 things to do to get your home prepared for winter: Get your chimney cleaned and inspected so it is safe to use all winter long and to help cut down...

Private Mortgage Insurance is an additional fee that you are required to pay each month, on top of your mortgage payment. The purpose of private mortgage insurance is to protect the lender in case the borrower defaults on the property. It does not have any beneficial reasons to the borrower, the monthly payment does not...

Today is the day that we celebrate the American Flag, June 14, 1777 is when the Second Continental Congress adopted the American Flag. The flag called for 13 stripes, alternating red and white; that the union be thirteen stars, white in a blue field, representing a new constellation. The idea of patriotic celebrations honoring the...