Finance

Feb. 11, 2019

Outdated Mortgage Advice to Forget

Buying a home is probably one of the biggest purchases you'll ever make and signing all of those loan documents can be scary but it's important to understand some mortgage truths as there is a lot of information out there and it might not be accurate. Even things ...

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Posted in Finance
Jan. 21, 2019

What's the Difference Between a Deposit and a Down Payment?

This is a pretty common question, the difference between an earnest money deposit in your down payment.

Earnest MoneyWhat's the Difference Between a Deposit and a Down Payment?

An earnest money deposit is offered by at a potential buyer as a symbol of good faith when entering into a contract to purchase. This earnest money is a security for ...

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Posted in Finance
Sept. 24, 2018

Homeowners Insurance and the Different Policies

 Homeowners insurance is something that all homeowners need to have if they carry a home loan, which the majority of us do. This insurance package covers damage to the property and liability or legal responsibility for any injuries or property damage to the family of the homeowner or other people ...

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Posted in 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
Aug. 23, 2018

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

Buying a home is a big deal, and coming up with that down payment is not as easy as it sounds. Strike that, it doesn't sound easy at all. Coming up with $10,000 for a down payment is nothing to sneeze at. In today's market, having a ...

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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