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How Does a Cash-Out Refinance Work: Cash-Out Refinance Explained

March 26, 2021 | 3 min read | Refinance, The mortgage process
Now is a great time to refinance as interest rates remain at all-time lows, and many homeowners are sitting on untapped equity. If you have equity in your home and are looking for extra cash-on-hand for upcoming expenses, you may benefit from a cash...
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Benefits of Owning a Home: Benefits of Buying vs. Renting

March 24, 2021 | 3 min read | Owning a home
One of the most significant decisions that anyone can make in their life is buying a home. Renters often wonder, “what are the benefits of owning a home vs. renting?” Especially in today’s climate, many benefits range from offering good long-t...
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How to use a Gift Letter for Mortgage Financing

March 23, 2021 | 3 min read | The mortgage process
If you are thinking about buying a home, you should start considering how much money you will have for a down payment. A down payment is one of the highest up-front costs to buying a home. Many people, especially first-time homebuyers, rely on gif...
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Closing on a House: What to Expect at Closing

March 22, 2021 | 4 min read | The mortgage process
The mortgage closing is the final step in the home buying process, which means you are one step closer to finalizing your mortgage! Here is what you may expect at your mortgage closing, whether in person or virtual, so you can feel more comfortable...
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Home Buying Process Step by Step: 2021 Guide on How to Buy a House

March 19, 2021 | 5 min read | Owning a home
One of the most significant decisions that anyone can make in their life is purchasing a home. Many feel that buying a home is overwhelming and may be thinking, “I want to buy a house, where do I start?” Our goal is to make the home buying proce...
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Tips on How to Get the Best Mortgage Rate

March 18, 2021 | 2 min read | The mortgage process
Mortgage rates are at historically low levels and are predicted to rise, so there are incredible opportunities for millions of existing and soon-to-be homeowners.  Whether you’re looking to refinance or purchase a home, today might represent...
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How to Prepare Your Home for Allergy Season

March 18, 2021 | 1 min read | Owning a home
As spring approaches, those who suffer from allergies often feel miserable when plants expel pollen into the air. While you can't always escape pollen when outside, these five tips on how to prepare your home during allergy season will provide some ...
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Mortgage Banker vs. Mortgage Broker: Which Should I Choose?

March 16, 2021 | 2 min read | The mortgage process
You may be wondering if working with a mortgage banker vs broker will have a considerable impact on your mortgage financing process. The answer may depend on your mortgage financing needs, desired loan program, and overall credit profile. GuardHill ...
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What Determines Mortgage Interest Rates? Factors that Affect Mortgage Rates

March 16, 2021 | 3 min read | The mortgage process
Many factors affect and determine mortgage rates which is why mortgage rates may fluctuate daily. When shopping for a mortgage, borrowers place a strong emphasis on getting a low interest rate. We outline some factors that may be in or out of your c...
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What is Included in a Mortgage Payment?

March 15, 2021 | 3 min read | The mortgage process
If you are thinking about buying a home or reviewing your current loan terms, you may be wondering what is included in your monthly mortgage payment. Your monthly payment will consist of the principal, interest, taxes, and insurance.  Pr...
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