Category: News

It’s a New Year! And we’re betting and hoping its going to be a better 2021. Somethings are out of our control, some things are not. We want to start with New Year’s Financial Resolutions to help us get the year started right! Here’s our top seven for 2021! 1. Make A Budget We always here it but sometimes we don’t do it. So get the year started with the basics and make a budget. Figure out your money in (income and earnings) and your money out (bills, mortgage, taxes, etc). Then you have an idea of your monthly expenses and how much you can save! 2. Fund Your Savings And Retirement One great thing about creating the budget is it gives you a good idea of how much you…

Happy New Year 2021! 🎉 We wish you and your family a peaceful, prosperous, joyous and healthy new year! A New Year and New Beginnings!

We wish you and your family a safe and happy holiday season! As we bring 2020 to end, we wish you and your family a prosperous and healthy 2021!

Well we are almost ready to bid adieu to 2020, the longest year in memory! Its been a chaotic year to say the least, so its more important than ever to do your financial planning. Here are our top five things to check: 1. Review your budget and savings plan Analyze your spending and saving for the year. Your savings might not have gone to plan this year and that’s ok – focus on replenishing your emergency fund first if needed and recalibrate plan for 2021 if needed. 2. Maximize Retirement Plan Contributions If you participate in a 401k make sure you maximize contributions before the December 31 deadline, you have until April for Roth contributions 3. Review Your Insurance Coverage Check your insurance coverage in many parts of the…

What is a guaranteed mortgage? Well as you might have guessed, it’s a guarantee that your loan will be paid in case of default (fine print sometimes this is actually insurance), by a third party. In most cases the third party is the government. Guaranteed mortgages are used when a borrower does not have the traditional required 20% of the purchase price to put down. In these cases the programs guarantee (or insure) the loan. In fact first-time home buyers often do not have the full 20% to put down, so these programs are very helpful in getting funding. FHA, VA and USDA are the most common guarantors. FHA loans allow first time home buyers to put as little as 3.5% down (with a credit score of at least 580).…

If you’re buying or selling (but especially buying) a home inspection is a crucial part of the process that too often is seen as just another step. So here are the 3 keys to make sure you come out on top and avoid surprises after you move in! 1. Inspect the Inspector First! Make sure your inspector is certified, qualified and experienced. You want someone who is going to check things thoroughly and not just check the boxes. Find a good inspector early as the good ones can often be like a popular restaurant – hard to get a reservation. 2. Be Present for the Inspection If at all possible make sure you attend the inspection too! It may take a few hours so block out the morning or afternoon…

We wish you and your family a safe and happy Thanksgiving 2020! We know its been a difficult year but there is still much to be grateful for, including our friendship with you!

Thanksgiving has always been on of our favorite holidays. Seeing loved ones, sharing delicious food, taking a break from our hectic lifestyles for some old fashioned good times. This year has been different to say the least and Thanksgiving is no different. Here are some tips to help safely enjoy Thanksgiving. Keep Your Guest List Low Make next year the Thanksgiving to invite old co-workers but keep this years gathering smaller. And if you have at risk family members strongly consider doing a zoom Thanksgiving with them. Try For A Fresh Air Meal If weather is permitting try to have your Thanksgiving outside, just like the original meals. If you can’t do it outside open a window and make sure you have good ventilation Keep Families Together If there are…

A big thank you this Veteran's Day for all who have served as well as their families that supported them!

1. FHA Loan - This is most common assistance loan and you may already be familiar with FHA loans, these are widespread and help buyers with lower credit scores and less money saved for a down payment. 2. USDA Loan - are for lower-income borrowers in rural areas (but check with us you may not realize you are in a rural area :) 3. VA Loan - this is a great option for those who have service in the military and their families as it allows no down payment! 4. Fannie Mae/Freddie Mac Loan - these are conventional loans that are a good option for those with good credit scores but can put down as little as three percent. 5. Good Neighbor Next Door Loan - this HUD program provide…