Energy Efficient Homes Made Easy

The Easiest Ways to Save Money with Energy Efficiency Making a budget is a lot easier than actually sticking to it–we know. But when you become a homeowner, it’s even more essential that you make an effort to live within your means. Your house is not only your biggest investment, it’s also the place you…

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Quick Tips to Raise FICO®

Tips to Raise your FICO®Score Get qualified for a better mortgage with a better credit score!   Your FICO® score is a critical factor to getting approved for a home mortgage loan. The FICO® score, meaning the standard U.S credit rating, is largely responsible for the terms and conditions (including the interest rate) that you…

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How Home Sellers can help Home Buyers

Seller Concessions When home seller pays costs on the home buyer’s behalf. Title Insurance, Processing fees, Origination fees,  Inspection fees, Transfer taxes, etc.   Seller Concessions can differ with each financing type or transaction purpose. i.e. primary residence, second or vacation home or investment property.     Great strategy to decrease cash to close for…

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To Refinance or Not Refinance?

Refinancing is the process of replacing an existing loan with a new loan, different terms.  The new loan pays off the current debt.  Debt is not eliminated when you refinance but replaced by a loan with better terms/features to improve your finances. Refinancing is done to allow a borrower to obtain a better interest term and…

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