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The Right Attitude in Homeownership

Buying a home can potentially be an investment and a liability. A homebuyer is treading a fine line between keeping their homes and risking it into foreclosure. Many think that good credit, stable finances, and bottomless reserves are the only things you need to keep ownership of the property. However, there’s also this one essential… Read More

What Documents Do You Need for a Mortgage Pre-Approval?

One of the most common questions asked about getting a mortgage pre-approval is the type of documents that a borrower needs to prepare. Here’s a checklist. First things first: Do you really need a mortgage pre-approval? The answer is no. When buying a home with financing, you are not strictly required to get pre-approved. However,… Read More

Your Quick Guide to USDA Guaranteed Loans for Rural Homebuying

Going rural this year? You can look up homes or farm properties for sale. More importantly, you might be eligible to finance your new home using USDA Rural Development guaranteed loans, among other programs. From eligible homes to eligible loan purposes, get to know USDA guaranteed loans for rural homebuyers here. This way to approved… Read More

Be Careful! These Are Home Buying Mistakes You Should Totally Avoid

Home buying is a careful process. Home buyers, especially first-timers, have to work hard to make sure that their journey to homeownership ends up successfully. If not, all the effort that they put into it will just go to waste. It’s always smart to prepare everything that’s possibly needed in buying a home and that… Read More

How Do You Reduce Your Carbon Footprint at Home?

Reduce, Reuse, Recycle. Any person who advocates for the Earth knows what the three R’s are for. Together, it is an effective and simple way of reducing waste which will, in turn, help our planet. Climate change and global greenhouse gas emissions are some of the most serious environmental issues our world is facing today…. Read More

Mortgage Programs 101: What are FHA 203k Loans All About?

Some home buyers show interest in purchasing fixer-uppers for different reasons. There are some who are up to the challenge of flipping a property for it to be suitable for living again. Others also see that properties that need a little TLC on sale come with less competition because these require more work after purchase…. Read More

Here Are the Common Reasons Why a Mortgage Pre-Approval Is Denied

A mortgage pre-approval is one of the most important steps in acquiring a mortgage. How do you ensure that your pre-approval gets through? If you’re thinking of finally buying your first home, chances are you’ve scoured the internet for those “first-time homebuyer tips.” And maybe perhaps you’ve already encountered the proverbial advice to get pre-approved… Read More

An Inside Look at FHA Loans’ Mortgage Insurance Premiums (MIP)

The Federal Housing Administration insures mortgages made to low- and moderate-income households in the U.S. This guarantee encourages lenders to make loans to borrowers who may not qualify for traditional financing. For the agency to continue backing loans, it imposes MIP on FHA loans. Short for mortgage insurance premiums, FHA MIP is the equivalent of… Read More

3 Major Mortgage Mistakes That Homebuyers Like You Should Avoid

Are you a meticulous buyer? How long does it take you to decide to buy something? For sure, you’ll spend more time and energy to shop for homes and mortgages, right? This way you won’t experience any buyer’s remorse and avoid costly mortgage mistakes. Yes, it’s common to hear about homebuyers’ mortgage mistakes but the… Read More

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