Why selling your home in the Winter may be a WIN!

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If you’ve thought about selling your home recently but assumed that you missed the Home Hunting Season – think again. While in the past, the Winter may not have been the best time to sell your home, there are actually a few BIG reasons why selling your home in the Winter is a WIN! Continue reading “Why selling your home in the Winter may be a WIN!”

Homeowner’s Insurance 101 – What you need to know

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Odds are that your home is the single most valuable investment that you own and the largest line item on your monthly budget. So, it only makes sense that you’d want to make sure it’s protected.  What’s surprising is that many homeowners never think twice about their homeowner’s insurance policy, let alone read and understand it. They know how much it costs each year but probably couldn’t tell you what’s covered and the limits. BUT, knowing what is covered and what’s not can make all the difference when disaster strikes. Continue reading “Homeowner’s Insurance 101 – What you need to know”

5 Home Repairs you should NEVER do yourself

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In the era of DIY home repair and upgrades, it’s not surprising that homeowners are tackling more and more projects outside of their comfort zone. Not only do they save money (hopefully) but they learn new skills along the way. While there is a long list of home repairs that can easily be tackled by your average homeowner, some complicated tasks should be left to the professionals. Faulty work could lead to bigger problems, safety issues, and your home not being up to the current building code – in addition to costing you more money in the long run. Continue reading “5 Home Repairs you should NEVER do yourself”

I need cash – should I borrow from my 401K or my home’s equity?

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If you are looking for cash to invest in real estate, pay down high-interest loans, complete a home improvement project, or pay off an emergency medical bill, you might be wondering which the better option is: borrowing from your 401k or your home equity via a loan or line of credit. The answer depends on how you plan to use the money, how much money you need, and how long it will take you to pay it back? Continue reading “I need cash – should I borrow from my 401K or my home’s equity?”

Fall maintenance tips to keep your home in tip top shape

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Fall is the perfect time to give your home and yard a little TLC before Old Man Winter moves back in! We’ve compiled a simple, and easy DIY checklist that will make your Winter more pleasant and hopefully prevent any surprises from popping up! Even if you choose to hire a repair person to tackle these To-Do’s it’s still a good investment and can save you from potential headaches down the road – and some big expenses. Continue reading “Fall maintenance tips to keep your home in tip top shape”

The do’s and don’ts of using the equity in your home

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Building equity in your home, the difference between a home’s fair market value and the outstanding mortgage balance, is every homeowner’s goal. After all, it is the whole point of buying a property vs. renting it. Home equity is valuable savings, but it can also be a valuable finance tool. Continue reading “The do’s and don’ts of using the equity in your home”

Mortgage Underwriters – What they do and how they review your application

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If you’ve purchased a home in the past few years, you’ve probably noticed that the mortgage underwriting process has become more robust and detailed compared to the early 2000’s. Making sure you dot all your i’s and cross all your t’s is an important part of making sure your mortgage application moves through the underwriting and approval process smoothly. So, it’s important to understand what underwriters are really looking at when they review your application. They are trained to spot financial mismanagement, and they are very detailed when it comes to reviewing your finances before approving or denying you for a home loan. Continue reading “Mortgage Underwriters – What they do and how they review your application”

What to expect during a home remodel

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With the overwhelming amount of DIY magazines, television shows, websites, and Pinterest boards, at some point you’ve probably decided that at least one room in your house needs remodeling. It’s hard not to get inspired by some of the unique and beautiful designs that you see, not to mention the improved functionality or space that you might gain. But what you don’t see behind the magazine pages or edited from the tv episode is what REALLY to expect from a home remodel. Remember, no matter how amazing the finished product looks or how much value is added to your home – you still have to live through the remodeling process – which for some may be daunting! Continue reading “What to expect during a home remodel”

How to save money when moving

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The process of moving is stressful enough without factoring in the added costs of packing supplies, truck rentals, mover fees, etc. even if you are just moving across town. Knowing what you’ll need to spend, where you can save and being able to budget appropriately can help keep the stress down and keep some dollars in your pocket. Continue reading “How to save money when moving”

How to tell when refinancing your home makes sense

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Refinancing your home is a major financial move that could result in some significant savings for you OR it could make your situation worse. There are typically 2 types of refinancing options:

  1. A rate and term refinance with a goal to save money. You refinance your remaining balance for a lower interest rate and a term (number of years it takes to repay the loan) that you can afford.
  2. Cash-out refinancing, where you take out a new mortgage for more than you owe and take the difference in cash, for example, to pay off existing debt.

Continue reading “How to tell when refinancing your home makes sense”