Todays Rates: Purchase - 30 Year Fixed Conforming: 2.625%   APR: 2.718%     15 Year Fixed Conforming: 2.250%   APR: 2.352%      30 Year Fixed High Balance: 2.875%   APR: 2.935%          REFINANCE - 30 Year Fixed Conforming: 2.875%   APR: 2.970%     15 Year Fixed Conforming: 2.500%   APR: 2.638%      30 Year Fixed High Balance: 3.000%   APR: 3.099%

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Closing on your First Home: What to Expect

The time between the acceptance of your purchase offer and closing can be overwhelming for those who have not been through it before. Lyons’ wants to make sure you know what the closing process entails, how much time it can take, and steps you can take to avoid unnecessary delays. What Needs to be Done … Continue reading “Closing on your First Home: What to Expect”

Mortgage Terms to Know Before Buying

You are thinking about buying a home and have begun doing due diligence on how to acquire a mortgage. However, you feel a bit lost when skimming through the typical industry buzz words. It is of the utmost importance that you feel knowledgeable enough to be able to make this crucial financial decision. Below are … Continue reading “Mortgage Terms to Know Before Buying”

Five reasons to consider homeownership

  Determining whether to buy or rent your next home is one of the biggest financial decisions you can make. Lyons Mortgage believes homeownership is a better investment, both in quality of life and from a financial perspective. We’ve outlined five advantages to owning your home versus renting. Freedom to do anything with the property … Continue reading “Five reasons to consider homeownership”

Should I Refinance My Home?

Refinancing an existing mortgage is when the original loan is replaced with a new one. You might be wondering what the advantages of refinancing are, or when the right time is for you to refinance your home mortgage. A refinanced mortgage will always provide a tangible net benefit to the applicant. People do it to … Continue reading “Should I Refinance My Home?”

Why should I get a Pre-Approval?

Getting a Pre-Approval Letter for a mortgage can make you the top candidate for your dream property. A pre-approval is when a bank or lender has thoroughly checked your credit history and determined that they are willing to give you a mortgage. Here’s what you should prepare when starting your Pre-Approval: Income information: Paystubs, tax … Continue reading “Why should I get a Pre-Approval?”

Your First Home Inspection: What you need to know

The time has come for you to get a home inspection on your prospective purchase. This is a crucial part of the home buying process and must be treated with the utmost care. It is critically important to find a good house inspector. You should know what a house inspector does and doesn’t do during … Continue reading “Your First Home Inspection: What you need to know”

Condo vs. Co-op

Two common housing options in New York City and many other metropolitan areas are condominiums and cooperatives, commonly referred to as co-ops. While similar, there are key differences between a condo and a co-op. From distinctions in ownership to varying fees, knowing the basic structure of the two entities will help in making the best … Continue reading “Condo vs. Co-op”

5 Reasons To Hire A Real Estate Agent

People are relying less on professional services and have developed a do-it-yourself attitude. When it comes to some tasks, the DIY strategy can be tiresome and inefficient. Certain topics require years of experience to make smart decisions. This is especially true when it comes to real estate. Home values, markets, and legal terms are just … Continue reading “5 Reasons To Hire A Real Estate Agent”

5 Questions You Should Ask Your Real Estate Agent

Real estate agents have insights into the community as well as the expertise on the financial benefits of homeownership at a specific location. Are you looking to buy a home soon? Get all the information you can by reading these 5 questions you should be asking your real estate agent! How much will it all … Continue reading “5 Questions You Should Ask Your Real Estate Agent”

Faces and Places: A Narrative Series by Lyons Mortgage Services, Inc.

The purpose of this series is to take you on the journey across neighborhoods and show you what makes them unique. Hopefully, this sparks the interest for you to go out to these communities and soak in the cultures. The stories told are 100% authentic, as told by young residents of the community, an often … Continue reading “Faces and Places: A Narrative Series by Lyons Mortgage Services, Inc.”

How to Increase Your Home Value

58% of homeowners will definitely or probably undergo home renovations in the next 12 months, according to the 2018 Homeowner Protection Survey by Chubb. Home renovations are always in the back of homeowner’s minds — “how can I make my house better?”. You often don’t have to break your budget to make your home better. … Continue reading “How to Increase Your Home Value”

Introducing “The Dream Home Financing Program”!

For many prospecting homebuyers, one of the most daunting experience is saving up for the down payment. Traditionally, 20% of the loan is considered the standard down payment amount. However, with Lyons’ new program, borrowers may be eligible to put down as low as 3% for their down payment! As a borrower, this is a … Continue reading “Introducing “The Dream Home Financing Program”!”

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