Owning a homeRefinance

Reasons to Refinance Your Home Right Now

January 10, 2022 | 2 min read | Owning a home, Refinance
Mortgage interest rates remain at all-time lows, so now is an excellent time to consider refinancing. Maybe you never got around to refinancing during the pandemic, or perhaps you refinanced your mortgage in the last few years but have built up subs...
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What is a Mortgage Note and Why is it Important?

October 28, 2021 | 2 min read | Owning a home, The mortgage process
A mortgage note is a legal document signed by the borrower at the closing, promising to repay your mortgage. Mortgage notes are contractual documents filed with the local government that state the agreed-upon terms of your loan and outline the prop...
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Holiday Energy Saving Tips

October 28, 2021 | 2 min read | Owning a home
The holiday season is quickly approaching. That may mean more decorations, entertaining, and cold weather for many. Unfortunately, with the holiday season typically comes larger energy bills. If you’re looking to lower your monthly energy bill whi...
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Home Maintenance Checklist: Monthly, Seasonal, and Annual

October 25, 2021 | 7 min read | Owning a home
Home maintenance may seem daunting if you are unsure where to begin and what to do; however, home repairs and improvements may save you from larger potential issues and unexpected costs in the future. Follow this monthly, seasonal, and ann...
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Paying Cash for a House vs. Getting a Mortgage

October 20, 2021 | 3 min read | Owning a home
If you have the means to do so, you may be wondering if you should pay all cash for a home or get a mortgage. Some believe it may be better to put an all-cash offer on a home in today’s competitive housing market. However, getting a mortgage could...
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Reasons to Buy a Bigger House & How to Afford a New Purchase

September 30, 2021 | 2 min read | Owning a home
After buying a home, your needs and desires may change years later. The home you purchased five or ten years ago may no longer be suitable for you and your family. So, what are some common reasons that many people choose to upgrade and buy a bigger ...
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Home Buying Process Step by Step: 2021 Guide on How to Buy a House

September 30, 2021 | 5 min read | Owning a home
One of the most significant decisions that anyone can make in their life is purchasing a home. If you are a first-time homebuyer, you may be wondering, “I want to buy a house; where do I start?” Our goal is to make the home buying process as sea...
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What is a Condop? How to Get a Mortgage for a Condop

September 28, 2021 | 1 min read | Owning a home
A condop is a mixed-use building found in New York City rarer than traditional condos or co-ops.  It is referred to as a condop because of a co-op forming within a condo. What Does a Condop Look Like? Since a condop is a mixed-use bui...
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Tricks to Lower Your Debt-to-Income Ratio when Applying for a Mortgage

September 24, 2021 | 3 min read | Owning a home
What is a Debt-to-Income Ratio? Your debt-to-income (DTI) ratio compares your monthly debt expenses to your monthly income. This evaluates how much debt you have and your ability to repay those debts with your current income stream. How to...
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What is Mortgage Insurance?

September 23, 2021 | 2 min read | Owning a home, The mortgage process
Mortgage insurance is an insurance policy that protects the mortgage company if you happen to default on your loan. There are different insurance policies that may be required when buying a home, but primate mortgage insurance (PMI) is one of the mo...
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