Finance

Sept. 14, 2018

15 Smart and Sneaky Ways to Save on Your Home's Energy Bill

15 Cleaver energy saving hacks

Wow! It seems like the weather has turned overnight and we are full on into fall weather even though the calendar still toys us with thinking that it is summer. But it is clearly headed towards fall and some cooler temperatures so because of that, I want to talk about ...

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Posted in Finance
Sept. 12, 2018

The 4 Hidden Costs of Being a Homeowner

Becoming a homeowner, especially for the first time, is one of the most exciting ventures you can have. This is the largest purchase you'll ever make and once you're in a home of your own, it will feel satisfying and secure, but that doesn't mean that you ...

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Posted in Finance
Aug. 23, 2018

5 Ways to Get Free or Easy Money for a Down Payment - 3

Move money

Move your money.

Are you getting the best rates for your credit cards? Are you spending too much on utilities and luxury items? Can you move money around to save on balance transfer fees and interest rates? Trust me, every little penny really adds up. Opening different checking accounts could ...

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Posted in Finance
Aug. 23, 2018

5 Ways to Get Free or Easy Money for a Down Payment -2

5 Ways to Get Free or Easy Money for a Down Payment -2

Research alternative mortgages.

A typical conventional or FHA loan through a bank is not the only way to buy a house. USDA loans for homes located in certain areas may require no down payment at all. There are eligibility and income requirements such as the home needs to be in a rural ...

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Posted in Finance
April 6, 2018

This Isn't Your Parent's Interest Rate

Aren't you glad you don't have to pay what your parents probably had to pay an interest rate on a mortgage? Consider this, the monthly payment for a $300,000 house with a 4% interest is about $1500 per month. We've experienced these low-interest rates for several ...

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Posted in Finance
Sept. 18, 2017

The First Thing to Do If You Can't Make Your Mortgage Payment

You have used every last penny in your savings to continue to pay your bills, but you just are unable to continue to make your mortgage payments. Next month you will miss your payment so what do you do now?The First Thing to Do If You Can't Make ...

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Posted in Finance
May 11, 2017

Advantages to Paying off a Mortgage Early

We've discussed some of the negatives about paying off a mortgage early but how about the advantages?Advantages to Paying off a Mortgage Early

Well, there's the fact that you don't have to pay a mortgage anymore. That alone is a great advantage. You're probably paying anywhere from $1000 - $3500 a month on ...

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Posted in Finance
May 11, 2017

Should I Pay Off My Mortgage Early?


This might seem like a 'duh' question but there are actually pros and cons to paying off a mortgage early. Are the reasons right for you to hang onto the mortgage or to pay it off early? disadvantages to paying off a mortgage

Paying off a mortgage can be a huge weight off your shoulders ...

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Posted in Finance
March 7, 2017

FHA Makes it Easier to Qualify for a Home Loan

We're always on the lookout for new mortgage rules, changes in anything that will help potential home buyers. These new rules by Fannie Mae may allow more borrowers to qualify for a home loan or mortgage. This change is aimed at credit-worthy lower income and minority homebuyers.FHA Makes it Easier to Qualify for a Home Loan

 Fannie Mae recently ...

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Posted in Finance
March 7, 2017

How to Come Up With a Down Payment

Coming up with a down payment for your first home may seem difficult but there are several ways to get that down payment. If you're going for an FHA loan you may not only need 3.5% of the value of the house. A conventional may need up to ...

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Posted in Finance