Blog

Have you saved enough for your closing costs?
By Chris
January 23, 2017
There are many potential homebuyers, and even sellers, who believe that they need at least a 20% down payment in order to buy a home or move on to their next home. Time after time, we have dispelled this myth by showing that many loan programs allow you to put down as little as 3% (or 0% with a VA loan). If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs. Freddie Mac 
Renters Insurance
About a week ago, a young couple that I know had lost everything in a home fire.  They lived in a duplex and both units were total losses.  The young couple on one side, a family of 5 on the other, all had nothing except what they wore out of the home. Most people do not have unlimited funds to purchase everything.  Imagine having to purchase all new clothes, a new cell phone, all new furniture, a new vehicle, new toiletries, new food, the list seems to go on and on.  One unit had renters insurance and ...
How to Improve Your Credit Score
By Chris
November 6, 2016
Information About Your Credit   Your credit score is unique and individual as you; it is your history.  It reflects your payment pattern over time with an emphasis on recent history.  First you have to know where you stand.  The Federal Trade Commission protects consumers.  You are entitled to get your credit report for free once every 12 months from each of the three credit reporting companies.  You can order at www.annualcreditreport.com which is the only authorized website according to the Federal Trade Commission.  You will need to provide your name, address, social ...