What is an HOA: Homeowners Association Basics
What is an HOA or homeowners association? Fundamentally, an HOA is a body that sets rules and restrictions for people…
How Much Home Can I Afford: Mortgage Affordability Factors
The question “How much home can I afford?” is a common one with new buyers, and there is no easy…
Meeting Your Home’s Former Owners Before and After the Sale
Buying and selling a home can be a strange combination of very personal feelings and very impersonal relations. Both the…
Strategies for Paying Off Your Mortgage Faster
When taking out a mortgage, buyers often consider how they will get a rate that will enable them to pay…
Debt to Income Ratio Basics: The Importance of Your DTI
Fundamentally, your debt to income ratio (DTI) is the percentage of your income that is used to pay your debts,…
Why Pay Points on a Mortgage: Are Points a Benefit or Not?
Why pay points on a mortgage, and how do they benefit you? Points are a typically American arrangement, and refer…
Refinance Basics: Should You Refinance Your Home?
Should you refinance your home? Since we can only speak in regards to refinancing on a general basis, before you…
Mortgage Lock Basics: Should You Lock-In Your Mortgage Rate?
A mortgage lock can work for you or against you depending upon the terms of the mortgage rate lock in…
Private Mortgage Insurance Basics: The Fundamentals of PMI
Private mortgage insurance (PMI) is a form of protection for mortgage lenders in the event of borrowers defaulting on their…
Buy Vs Rent Basics: Should You Buy or Rent A Home
The question of whether to rent or buy is no longer a clear cut economic one. Many people who can…