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4 Solid Home Refinance Options in 18

Even though mortgage interest rates have started to edge up, home buyers and existing homeowners considering a home refinance loan with good credit can still get a competitive interest rate in today’s market. But there are still many home refinancing options out there to consider before signing a new contract. Which Home Refinance Program Is… Read More »

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Top 6 Tips to Buy a Home in the U.S. with a FHA Mortgage Program

Many Americans are still optimistic about the economy in 2019 and many renters are considering home-ownership for the first time. With consumer confidence soaring once again, many people are preparing for the dream of owning a home and are planning to apply for an FHA mortgage in the coming year. The economic signs are pointing to… Read More »

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4 Reasons Why Home Equity Loan Programs Heat Up with Trump

Donald Trump was elected the next president of the United States, and some financial experts believe that the President-elect could be good for the housing and mortgage industry. One of the areas of real estate that could see more activity is in home equity loans. A home equity loan is a form of a second… Read More »

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8 Secrets of the Cash Back Refinance Program

If you own a home, you probably have heard about a cash out or cash back refinance. Homeowners are blessed with unique opportunities to access money when refinancing their home. What is a “cash back  refinance” and why would you do it? We’ll explain in detail below. Cash Back Refinance Basics A cash out or… Read More »

How Will Tax Reform Affect Low Income Housing?

The US Congress passed a tax reform bill at the end of 2017 that low income housing advocates say could have a negative effect on the low-income housing market. According to the Housing Advisory Group, the Republican tax law has overall not been good for the production of affordable housing for low income Americans. Let’s… Read More »

Can Trump Can Get the Federal Reserve to Stopping Raising Rates?

The Federal Reserve last week increased its benchmark interest rate .25%, and clearly is anticipating more economic growth this year and next year. The latest increase takes the benchmark rate from 2% to 2.25%. It has not been this high since April 2008. It is the 8th increase since the Fed started to increase rates… Read More »

Which Mortgage Refinance Programs to Choose as Rates Rise in 2019

Home buyers and sellers do not have as much reason in September 2018 to get in touch with the mortgage lender these days. Mortgage interest rates are near recent highs in the 4.7% range for a 30-year, fixed rate mortgage. Refinance rates have been showing signs of rising again and home affordability is not what… Read More »

Reduced Doc and Stated Income Loan Programs for First Time Home Buyers

Reduced documentation and stated income home loan programs almost disappeared after the last financial downturn. Too many people who had questionable income sources were not fully verified and vetted by mortgage loan companies, and many could not afford to pay their mortgage payments when interest rates increased almost a decade ago. After the mortgage meltdown,… Read More »

Pros and Cons of a Mortgage Rate Lock in this Market

As mortgage rates have been steadily rising in 2018 into the 5% range from less than 4% a year ago for a 30-year fixed rate mortgage, more home buyers are asking when if and when they should lock their rate in this market. If you are worried that rates will rise before you close, a… Read More »

7 Ways Trump Can Improve the CFPB in 2019 and Help the Housing Market

As the Consumer Financial Protection Bureau or CFPB continues to change and evolve, there are ways that Trump and other individuals may be able to improve it so that it better serves the American people. A recent report from the Office of Inspector General for the Consumer Financial Protection Bureau has determined some areas of… Read More »

8 Ways to Remodel Your Home to Increase Equity and Property Value

The values of Americans’ homes are rising with the average increase approximately 7% more than last year. Some parts of the country are seeing double digit increases in value. If you want to sell your home soon, you may want to do some smart remodeling to increase your equity and property value. There are many… Read More »

Key Tax Breaks for Homeowners in 2019

Home-ownership is one of the pillars of the American dream. The US tax code has many tax breaks to encourage home ownership, even beyond the popular mortgage interest deduction. The US government understands that when people own their own homes, they are more likely to care for the property and the neighborhood in general. Also,… Read More »

9 Tips to Choosing the Best Realtor to Sell Your First Home

Selling your first home can be an exciting experience. Home prices are up, and there is a good possibility you can make a good profit by selling your home. The chances of selling your home for top dollar quickly rise when you know that you are working with the best realtor. To choose the best… Read More »

8 Special Military Home Loans Guaranteed by State Governments

Most military members and retired military know about the VA home financing programs for getting a home loan guarantee with 100% financing, low interest rate and no mortgage insurance. The VA mortgage loan can be a great deal for many veterans and active military. But did you know there are other special home loan programs… Read More »