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We help people buy houses so they can create a home. Here we share more than mortgage finance tips (although we do that too). We aim to help you make your house a home through DIY projects, pet care, hosting tips, yard maintenance, and much more!

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Don’t Overlook These Five Things When Selling!

Selling your home requires a bit more than pulling the weeds, posting up pictures and waiting for the bids to start rolling in! There is a lot to consider when you want to sell your home. Don’t overlook these five things:

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Your Guide in the Mortgage Process

What is the first step to getting a mortgage? That’s easy, deciding to buy a home! Once you have done that knowing what to expect and identifying some possible road blocks will help you have confidence throughout the Mortgage process. With that said, our mortgage bankers are here to guide you along the way, answer any questions you have and curtail any fears that arise—you don’t have to experience the mortgage process alone!

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Rent vs. Buy

Ahhh, home sweet home. Dorothy spoke the truth when clicking her red shoes together, “there’s no place like home”. As humans, we want a home base, a place we feel grounded and connected. We want this for ourselves, our partner, our kids, and even our pets. It is achievable to an extent when it comes to renting but only to a small degree. The permeance of homeownership dials up this feeling in a major way. This feeling isn’t the only benefit to owning a home; let’s look at some of the benefits of buying versus renting.

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Mortgage Options thanks to Our Loan Programs

Did you know that everyone’s mortgages can be financed through different types of loans? There are several loan programs that have been created over the years to open the doors for home ownership to people of all circumstances. For all you researchers out there; looking at the variety of home loan options is a great way to see what is available and comparing them can help you to see which ones might be the best option for you. However, researching all the loan programs out there is not necessary, our mortgage bankers work with these programs every day and have been for years. By having a conversation with your mortgage banker about your goals, circumstances and type of house you are considering, they can give you the best options available.

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It’s Better at Home

Don’t get me wrong, living in an apartment isn’t always terrible; I had access to tennis courts and a well-maintained pool all summer, just a few steps from my front door. But I also had to walk my bag of garbage to the dumpster in the pouring rain, rush home to get my UPS package before the office closed, and deal with loud neighbors, who had weird smells coming from their place. Plus, there are just some things that now, as a homeowner, I’m not willing to give up even for tennis courts and a pool. I thought I’d make a list to share with you! I would love to hear what you have come to enjoy about being a homeowner… leave a comment below.

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How Much You Need for a Down Payment

Long gone are the days requiring 20% down on a house. Thank goodness! Could you imagine the struggle of a generation full of college graduates working entry level jobs trying to stay on top of student loan payments trying to save up tens of thousands of dollars? Homeownership would appear to be a far-off dream that may not be achievable. So how much is needed for a down payment? That depends on what kind of home loan for which you qualify.

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No Down Payment. Is That Really An Option?

For many first-time homebuyers, the biggest obstacles to overcome when buying a house are likely the down payment and credit score. For some, their credit history may not be as established as a mortgage lender would like or it could have become damaged from a series of financial missteps. Credit is a topic for another day; today we are going to focus on the down payment. Let’s be honest with one another, saving money is hard. So, our attention is piqued when we hear things like, “No down payment”. But how true could that statement be?

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Why it’s Important to Get Prequalified

You may have heard, “it is a good idea to meet with your mortgage banker before house hunting”. If you haven’t, well let me tell you, “it is a good idea to meet with your mortgage banker before house hunting.” Even though I’m writing this from my office, inside one of the largest independent mortgage banks in Kentucky, this tip is not something concocted by mortgage bankers to get you in the door. Getting prequalified can save you some heartache, speed up the process, and could even help get you the house you want!

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Are there other Renovation Loan Options?

Did you know that the FHA 203k Loan is a just one renovation loan option? While this loan has helped lots of people turn their current home into their dream home and several others in creating the home they’d been searching for, it isn’t the only option for this kind of lending! We’ve mentioned the option of a HELOC which requires established home equity but we would be remiss if we didn’t mention that there were other mortgage products available outside of the 203k.

Let us guide you home.