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Home Renovation Inspiration: What to Look for in an Independent Contractor

It can be really hard to find an independent contractor that is reliable and that you can trust. We have gone through a handful of contractors and we understand how hard it can be to find quality workmanship. If you’re like us and you’re renovating your home by yourself, one independent contractor to help can make a BIG difference!

We found our independent contractor, Harry, after a long series of searching. A family friend referred Harry to us during a conversation, recalling how our...

What Does "Buying Points" on a Mortgage Mean?

mortgage points

If you've been shopping for a home for any length of time, chances are you've learned a bit about mortgages. One thing that comes up very often when you're shopping for a mortgage is something called mortgage points or discount points. Understanding what these are and what they do, can help you make a smart decision when you sign the papers and have to pay your mortgage each month....

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HELOC - An Acronym Everyone Should Know

When you are looking over your household finances, you probably come across a lot of acronyms. APR, FDIC, IRS--the list goes on and on. However, there is one acronym that you will want to know for sure, that acronym is HELOC. Let us show you what a HELOC is, and how it can make a big difference in your everyday life.

The letters HELOC stand for Home Equity Line Of Credit. A HELOC is a type of...

Home Renovation Inspiration : Single Basin Sink

kitchen remodelWe’re so glad that we can team up with First Liberty Financial Mortgage and share with you our home renovation process! John and I never saw us as home renovation people but the next thing we knew, we were having date nights at the hardware store. We’re not sure who we’ve become but if it’s on the road to Chip & Joanna Gaines, we’re ok...

USDA Loans vs. FHA Loans - A Quick Comparison

USDA VS FHA

One of the most difficult parts of buying a home is deciding on the right kind of loan for your particular situation. With all of the options, it can become very frustrating to sort through the details. Two types of loan that you may have heard about are an FHA loan and a USDA loan. While these are not the same thing, there are some similarities--but there are differences too. We’ve...

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How Your Credit Score Impacts a Home Loan

How Your Credit Score Impacts a Home Loan

If you’ve considered buying a home, you know that many things affect your ability to get a home loan. However, you are likely very concerned about your credit score and how it will impact your home loan. We’ve put together some information about this, so you’ll know what to expect as you start the home buying process.

  • A score of 620 is
  • ...

Can I refinance with a USDA Loan?

 

Can I refinance with a USDA Loan?

There is a lot of talk these days about refinancing home loans. If you’ve watched TV or listened to the radio at all lately, you’ve probably heard commercials regarding mortgage refinancing. However, if you have a USDA loan, you may think that this option doesn’t apply to you.
In reality, that is not the case. Like most other mortgages, it is...

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First Time Homebuyers and USDA Loans

First Time Homebuyers and USDA Loans

The government offers a number of different loan assistance programs. However, there is one program that is less-known than others—the USDA Home Loan. The loan program was developed as part of the USDA’s rural development program. The goal of the program is to “improve the economy and quality of...

Who Approves FHA Loans?

Who Approves FHA Loans?

The FHA (Federal Housing Administration) issues home loans that are backed by the government. For many borrowers, these are an excellent choice since they have lower interest rates and qualification is a possibility even for those with less-than-perfect credit. As a potential homeowner, you may be interested in the process...

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