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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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”

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”

Remodeling Your Home on a Budget

When people think of remodeling their homes, they often think of adding a new wing. This is very costly and requires a lot of time. However, small steps can be taken to modernize your home. Hues and You The color you paint your walls will reflect in the overall feel of your home. Eggshell white … Continue reading “Remodeling Your Home on a Budget”

6 Homeowner Tips for the Fall

Get your home prepared for the cold months with these 6 tips: Stopping air from seeping in from the windows and doors. The best way to save money on energy bills from the heaters on full blast is to stop any airflow from the outside. This usually happens when windows, doors or even air conditioning … Continue reading “6 Homeowner Tips for the Fall”

6 Tips for First Time Home Buyers

Your home will probably be the most expensive and important purchase you ever make. That’s why it helps to prepare and research the home buying process to make sure you do things right from the start. Looking back on my own experience from a few years ago here are some tips I’d recommend to any first-time home buyer: 1) Start saving … Continue reading “6 Tips for First Time Home Buyers”

4 Freedoms of Home-Ownership

You’ve probably heard many reasons to become a homeowner from friends, family and financial advisors. When you own your own home you are building equity rather than throwing away money on rent and are eligible for possible tax write-offs. However, many people are still concerned about committing to owning their first home. What they might not realize is that home ownership … Continue reading “4 Freedoms of Home-Ownership”

After the Snow: Tips for the New York City Home Owner

Once weather permits, business owners should be mindful of the following information:   Snow and ice must be removed within four hours after the snow has stopped falling or by 11 a.m. if the snow has not stopped falling after 9 p.m. the previous evening.   Snow must NOT be thrown into the street.   … Continue reading “After the Snow: Tips for the New York City Home Owner”

3 Tips for the 1st Time Home Buyer

  Are you a first-time homebuyer eager to get into the market? Here are 3 easy steps to help you decide whether you’re ready to take the plunge.   1. Check the selling prices of comparable homes in your area. Do a quick search of your desired neighborhoods on a number of websites, including the National Association … Continue reading “3 Tips for the 1st Time Home Buyer”

Frequently Asked Questions

  Q: What does my mortgage payment include? A: For most homeowners the monthly mortgage payments include three separate parts: Principal: Repayment on the amount borrowed Interest: Payment to the lender for the amount borrowed Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property … Continue reading “Frequently Asked Questions”

Trended Credit. Are you ready?

Get ready, Fannie Mae/ Freddie Mac, the largest purchasers of mortgages will begin requiring  new credit reports as early as September.  These new reports can include  “trended credit data” and could have an impact on potential home buyers with their home-financing process as well as the real estate professionals working with them. What is trended credit? Trended credit data provides … Continue reading “Trended Credit. Are you ready?”

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