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Buying A New Home? 4 Things You Can Negotiate Besides Price

As we all know the real estate market is a seller's market, with no indication of a slowdown. Anyone in the market to buy a new home has witnessed this firsthand. Home sellers may have 10 competing bids by the close of the first day it's on the market. This means that price is harder to negotiate for buyers, as the seller can just go to the next in

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38 Hits

How a mortgage broker can save you time and money!

Buying a home is the biggest purchase most people will ever make. It can be the most nerve-wracking, too, because getting a mortgage and closing the loan can be a long, complicated process. A mortgage broker can take the stress out of the mortgage process. From finding the best interest rate and lowest fees to completing the application and closing

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81 Hits

The Power of Mortgage Pre-Approval

 Highlights Mortgage pre-approval means a lender has reviewed your finances and, based on factors like your income, debt, and credit history, determined how much you're qualified to borrow.Being pre-approved for a loan can give you clarity while planning your homebuying budget, confidence in your ability to secure a loan, and a competitive edg

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106 Hits

Patience Is the Key to Buying a Home This Year

The question many homebuyers are facing this year is, "Why is it so hard to find a house?" We're in the ultimate sellers' market, which means real estate is ultra-competitive for buyers right now. The National Association of Realtors (NAR) notes homes are getting an average of 4.8 offers per sale, and that number keeps rising. Why? It's because the

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114 Hits

Tips for Working From Home in 2021

A year into the coronavirus pandemic, it seems that the work-from-home lifestyle is not going away anytime soon. Even as companies are inviting employees back to physical offices, many are choosing to remain at home. We have become accustomed to a new type of workday - one was lounging in pajama pants with our "Zoom shirts" on top and making severa

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121 Hits

Your Tax Refund and Stimulus Savings May Help You Achieve Homeownership This Year

If you're planning to buy a home this year, saving for a down payment is one of the most important steps in the process. One of the best ways to jumpstart your savings is by starting with the help of your tax refund. Using data from the Internal Revenue Service (IRS), it's estimated that Americans can expect an average refund of $2,925 when filing

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651 Hits

How a Change in Mortgage Rate Impacts Your Homebuying Budget

Mortgage rates are on the rise this year, but they're still incredibly low compared to the historic average. However, anytime there's a change in the mortgage rate, it affects what you can afford to borrow when you're buying a home. As Sam Khater, Chief Economist at Freddie Mac, shares: "Since January, mortgage rates have increased half a percentag

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542 Hits

To Renovate or Not To Renovate Before You Sell

When thinking about selling, homeowners often feel they need to get their house ready with some remodeling to make it more appealing to buyers. However, with so many buyers competing for available homes right now, renovations may not be as vital as they would be in a more normal market. Here are two things to keep in mind if you're thinking of sell

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160 Hits

What To Consider Before Doing A Kitchen Renovation

As I look to refresh some parts of our house this Spring - the kitchen happens to be one of the rooms in the house that needs a little TLC. Our house is 17 years old and needs some trend updates. While researching what we would do, I came across these additional great ideas that I thought I would share.  Appliances Paneled doors allow you

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173 Hits

3 Ways You'll Win When You Buy a Home This Year

1. Buying a Home Is a Great Investment Several recent reports indicate that real estate is still a good investment, topping other options such as gold, stocks, bonds, and savings. Why? Real estate helps you build equity, a type of forced savings that grows your net worth. According to the latest Equity Report from ATTOM Data Solutions, as of the fo

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161 Hits

Do I Really Need a 20% Down Payment to Buy a Home?

Is the idea of saving for a down payment holding you back from buying a home right now? You may be eager to take advantage of today's low mortgage rates, but the thought of needing a large down payment might make you want to pump the brakes. Today, there's still a common myth that you have to come up with 20% of the total sale price for your down p

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205 Hits

In the Kitchen with Joe Rock - Lessons Well Learned

As some of you may know who follow me - every couple weeks or so, my magnificent husband creates some magical meal that he shares with you, and I get the luxury of consuming. I have found that he delights in making me happy with all this good food but is often reticent to share his secrets. So this past weekend we saw a great article in the Ne

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181 Hits

The Pros and Cons of Owning a Home

When buying a home, there are myriad factors to consider. How many years do you plan on staying in the home? What are your short and long term plans? What about upfront costs and mobility? Below we delineate the pros and cons of homeownership. At the end of the article, you can find a link to download this checklist for your use. Pros ✓ Good long-t

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195 Hits

The 9 Credit Commandments to Live By when Applying for a Loan

During your homebuying process, pay attention to our nine credit commandments (and keep the list handy)! These tips have a huge impact on your credit score, which can affect the mortgage rate you will receive for your home. 1 - ALWAYS PAY YOUR BILLS ON TIME Paying off debts on time has the greatest positive impact on your credit score. Late pa

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152 Hits

Making Down Payment Options Easy to Understand

Bring It Home with Heidi (BIHWH) recently sat down with Joe Racamato (JR), a home financing veteran, to discuss the ins and outs of down payment. BIHWH: "What is a down payment?" JR: "A down payment is the percentage of your home's purchase price that you pay upfront." BIHWH: "Exactly how much is needed to purchase your dream home?" JR:"

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192 Hits

City to Suburb Migration amidst the COVID 19 Pandemic

The pandemic has drastically increased moves to the suburbs. Between March 15th and April 28th, moves to New Jersey saw a 38% jump. August saw a 30.7% jump in new listings - this means that demand is increasing. Due to limited supply, list prices are already up 9.9% as compared to last year. Record-low mortgage rates look to continue into 2021, thu

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141 Hits

All About PMI

Private Mortgage Insurance or PMI can be a very boring and complicated concept to grasp… so we scoured the web and came up with a simple breakdown to help you. What exactly is private mortgage insurance?  PMI is an insurance policy that you, the borrower, pays for. It ensures the lender in case of borrower default (not making your payments). I

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149 Hits

Hacks to Simplify the Home Search

People generally invest more time in applying to colleges or purchasing a car than they do in preparing to buy their first home! So, here are a few tips/questions that will help guide you when making the largest financial purchase you will probably make in your lifetime - your home! When searching for a home it's important to be honest with yoursel

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  155 Hits
155 Hits

5 Reasons You Can Afford To Buy A House And Travel

Communicating the benefits of buying versus renting to millennials is of paramount importance in influencing their decision to purchase a home. U.S. millennials total 66 million individuals and 24 million independent households, so these potential clients cannot be ignored. As professionals in the financial and real estate spheres, ensuring that mi

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  139 Hits
139 Hits

First Time Home Buying: 4 Essentials For Success

First home buying is on the rise - this year they make up 34% of homebuyers in the United States. They make up about 1.65 million of the homes that will be sold in 2019(est.). Whether you are a first time home buyer looking for a home, a Realtor advising a first time home buyer, or otherwise, here are my top four tips for planning to buy your first

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141 Hits
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