American millennials are making the news once again. This time, it's because the demographic as a whole can't afford to purchase homes. According to a survey by Apartment list, a staggering 80% of millennials say that they want to buy a home. Here's ...
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6 Big Home Seller Mistakes That Turn Off Potential Homebuyers
When a potential buyer walks through your front door, what do they see? First impressions are really important, and many buyers will know within seconds whether the place is right for them. However, there are certain things that'll put buyers off ...
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Will Refinancing Save You Money? Here’s How to Tell
Are you considering the best ways to manage your finances while securing reliable financial support options? Lowering loan interest rates can significantly reduce your monthly payments and long-term expenses. Seeking professional advice ensures you ...
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What Is a Mortgage Broker (and Is One Right for You)?
What is a mortgage broker? In short, a mortgage broker is an independent middleman who finds potential customers for mortgage lenders. The mortgage broker's job is to collect all of the loan documents from a prospective borrower; he then reviews and ...
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Should I Pay Off My Mortgage Early?
The decision to pay off the mortgage early is always a hotly debated topic. Unfortunately, the question of "should I pay off my mortgage early?" can't be answered easily because everybody's circumstances are different. In fact, there is no right ...
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8 Misleading Claims People Often Make To Close a Deal
The other day I came across an old article that suggested a healthy dose of skepticism was essential when you're watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study ...
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How Does the Home Buying Process Work?
Purchasing a house can seem like a daunting task -- especially if you're doing it for the first time. Thankfully, the home buying process can be boiled down to a series of relatively simple steps:
Make sure you're ready.
Deciding to own a home is a ...
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Profit or Pitfall? Financial Considerations When Selling an Investment Property
Selling an investment property is a major financial decision that requires careful thought and planning.
Whether you're a seasoned investor or a first-timer, understanding the financial implications can make the difference between a profitable deal ...
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Is Earthquake Insurance Worth It?
When it comes to living in Southern California, earthquakes are a part of life. But don't be fooled: Earthquakes can happen anywhere. With that in mind, many people often ask me: Is earthquake insurance worth it?
Thankfully, after 35 years of ...
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5 Tips for Avoiding Buyer’s Remorse (That I Learned the Hard Way)
I think it's safe to say that, like the common cold, almost all of us occasionally suffer from buyer's remorse. Of course, avoiding buyer's remorse is everyone's goal; but nobody's perfect. So today, against my better judgment, I'm going to share my ...
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10 More Financial Old Wives’ Tales Masquerading As Rules of Thumb
There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth.
I know. I don't buy it either.
Still, let's assume these folks know what they're talking about; ...
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How to Determine Your Housing Budget After a Divorce
Ending a marriage can dramatically alter your financial landscape, and one of the most pressing matters to address is your housing budget after a divorce. Understanding how to assess your financial situation post-divorce is essential for successfully ...
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How Big Should a Mortgage Down Payment Be?
Although there are exceptions to every rule, mortgage providers generally require homebuyers to contribute a minimum down payment somewhere between 3.5% and 20% of the home's purchase price. So how big should a mortgage down payment be?
Of course, ...
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6 Expert Rental Negotiation Tips
If you're moving into a new apartment and need to mind your budget, there are a few tactics you can employ to score a better deal on your new digs. In fact, by learning just a few key lease and rental negotiation tips, you'll be in a better position ...
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What Is a VA Loan?
What is a VA loan? Well ... VA loans are government-backed mortgages that are insured by the Veteran's Administration. VA loans are available from qualified lenders to homebuyers who have served in the US military including:
Soldiers and sailors ...
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What Is an FHA Loan?
An FHA loan is a government-backed mortgage that is insured by the Federal Housing Administration. Although anyone can apply for an FHA loan, they were designed to help people with lower incomes qualify for a mortgage.
Because FHA loans protect ...
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Smart Budgeting Tips for First-Time Homebuyers in Florida
Purchasing a home is one of the most significant financial decisions you'll make in your life. To ensure that you make an informed and sustainable choice, it's essential to understand and manage your finances effectively. This guide provides you with ...
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Should I Get a Fixed-Rate Mortgage or an ARM?
One of the biggest decisions a homebuyer makes when purchasing a home is whether to get an adjustable rate mortgage (ARM) or a fixed-rate mortgage. Of course, the big difference between the two types of home loans is the interest rate; unlike a ...
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Money Saving Home Improvement Projects
Summer is here, but that doesn't mean you don't have any more time to improve your home. In fact, this time of year is one of the best to make some serious home improvements. But if you don't want to break the bank, here are a few money saving home ...
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What is an ARM Loan?
An adjustable rate mortgage, otherwise known as an ARM mortgage, is a home loan that uses the property being purchased as collateral. Unlike a fixed-rate mortgage where the interest rate never changes, an adjustable rate mortgage has a fixed rate for ...
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