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Plumbing Tip: Check Water Supply Lines

Every toilet and sink in your home has water supply lines that connect to the home’s freshwater system. A toilet will have one supply line and every sink has two – one for hot and one for cold. Plumbing experts encourage homeowners to inspect and replace older, outdated water supply lines sooner than later. Here’s […]

5 Ideas to Improve Summer Outdoor Living

In addition to rinsing the dust and debris off the pavers and cleaning up tables and chairs, consider some of these ideas to maximize your summer outdoor living experience. 1 | Do something shady Adding extra shade can be a great attraction in your backyard in summer, either for part of your swimming pool or […]

Seven Ways to Get Tough on Dust and Dirt for Spring

It’s spring and it’s the time of year when you need to remove the dirt and dust. Here are seven suggestions for spring-cleaning at your house: 1 | Deep clean the fridge Give your refrigerator a break and remove dust and dirt that can make it work harder in hot weather. Unplug the refrigerator, then […]

Credit Score: What makes up your FICO score

Your credit score can mean the difference between qualifying for a home loan or being denied. Even more so, it can impact the interest rate you might qualify to receive. So, what makes up your credit score? Your FICO score is a three-digit number generated by a mathematical algorithm using your prior payment history as a benchmark, […]

Rate Increase by Fed of 0.25%

What does Fed Rate Increase Mean for Mortgage Rates? Not much now. This week saw the first rate increase by the Federal Reserve, as they raised their key interest rate by a quarter point for the first time since 2018. The US Federal Reserve central bank sets the Fed Funds Rate, which is the rate […]

Six Things You Need to Know About New Windows

Living in warm climates, you can benefit from installing highly efficient, dual-paned new windows to keep a lot of the heat and sun out of your home. In homes 20 years and older, you may already have dual-paned windows, but they won’t measure up to today’s models. Homes that are even older can have windows […]

The Adjustable Rate Mortgage – Don’t Fear The ARMs

The Value of ARMs Besides helping lift things, hugging and being the perfect place to attach your hands, ARMs can play another important role in your life. I’m speaking of Adjustable Rate Mortgages (ARM). These got pretty scarce after the great recession, but they are becoming more popular home loans and here’s why. Inside the […]

New Conforming Loan Limits for 2022

Each year, the Federal Housing Finance Agency (FHFA) evaluates conforming loan limits and makes adjustments to account for the increase in home values. The “conforming” loan limit (CLL) is the highest loan amount for mortgages to be acquired by Fannie Mae and Freddie Mac. Simply put, this confirming loan amount keeps borrowers out of a […]

What to look for from your mortgage company

Getting a home loan is one of the largest purchases you will ever make. A mortgage broker has advantages in three categories; price, product & service.

Don’t Let Special Circumstances Keep You from Getting a Mortgage

There are a whole bunch of special circumstances that can affect your ability to qualify for a home loan. Getting straight answers, and sometimes a second opinion, regarding the rules and guidelines can be the difference between getting a home now, having to wait, or not even ever getting a home loan.