757.761.0043
Navigate the complexities of mortgages and finances with ease, as we provide you with valuable guidance and advice to make informed decisions for a financially secure real estate transaction.
Is 2022 your year to buy a home? Congratulations! Becoming a homeowner is a major life milestone, and this year is a great time to buy a home. But it’s crucial that you prepare as much as possible before you make the big leap. That includes getting pre-approved for a...
Paying off your mortgage early is a good thing, right? While we’d all love to have full ownership of our homes sooner rather than later, it isn’t always the best option. In fact, depending on your financial situation, it may be better for you to put that extra money...
When it comes time to put an offer on a home they love, many buyers will include an earnest money deposit. This demonstrates to the seller that the buyer is serious enough to put money on the line. A sizable earnest money deposit can give buyers an edge over the...
When it comes time to put an offer on a home they love, many buyers will include an earnest money deposit. This demonstrates to the seller that the buyer is serious enough to put money on the line. A sizable earnest money deposit can give buyers an edge over the...
If you’re purchasing a home and you’re an active military service member, a veteran, or a surviving spouse, then you may qualify for a VA loan. These loans are provided by private lenders but are guaranteed by the Department of Veterans Affairs. This makes it easier...
Is a down payment standing between you and your dreams of homeownership? Most people think you need at least 20 percent down in order to buy a home. But that isn’t always the case. In fact, it’s quite possible to pay much less than 20 percent -- or even nothing at...
Shopping for a mortgage is one of the first things you’ll do on your homebuying journey. Many buyers are aware that there are several types of mortgages available, including conventional loans and those backed by the federal government. But one option that most people...
Your credit history and credit score are key components that lenders will evaluate when you apply for a mortgage. The better your credit score, the better your terms will be on your home loan. But what happens if your credit score is lower than you’d like it to be? It...
If you’re buying or refinancing a home, then you’ve probably come across some terms that made you think, “Huh? What does that mean?” Honestly, you wouldn’t be alone! Real estate financing has its own terminology that can be perplexing, especially for first-time...
The pandemic has upended the real estate market. Inventory has hit record lows and buyers are facing fierce competition when it’s time to make an offer on a home. And while mortgage rates have also hit record lows in the last year, lenders have tightened their...
Cash-out refinances have been in the news lately, and you may be wondering what they are and if one would be appropriate for you. Simply put, a cash-out refinance allows you to refinance your current mortgage and borrow more money. The money from a cash-out refinance...
Getting pre-approved for a mortgage is one of the first steps toward homeownership. But a lot happens after that initial pre-approval, and things can derail if you aren’t careful. Staying consistent is important when you’re closing on a home. Changes to your income,...