Are you looking for activities that will keep your kiddos learning and moving, plus keep your family entertained throughout this time? APM has you covered!
Below is a list of online resources and our favorite at-home activities to help you navigate the next few weeks during the #stayathome Coronavirus epidemic.
We are all experiencing a new normal as we take shelter and work to flatten the curve with this Coronavirus that is circulating around the world. It has brought a new normal for each of us in our daily lives. We now interact through social media, live stream apps and electronic devices. Our kids, for the time being, can’t play at the park or have sleepovers with friends. Our weekend trip to the movie theaters is no longer on the agenda nor is the zoo or aquarium. Family time is, for now, indoors and outside so long as we keep a distance from others. So, what do we do with our kids when we are stuck at home for the next few weeks, possibly longer? I can say as a mom of four, two of which are under the age of two, I have had to get creative! Here are a few ideas to stay healthy (physically and mentally), beat the cabin fever and make the most of this time together.
Working from home has become the #newnormal for millions of Americans as we try to contain the coronavirus. Some are thrilled to roll out of bed in their PJs as they tackle the five-second commute to their dining room office. Others may miss their familiar routines, office space and coworkers.
Real estate is a localized market. You wouldn’t ask a Midtown Manhattan real estate agent whether you should buy a four-bedroom, three-bath home with a detached garage in Cleveland, right? Just as you wouldn’t ask a Los Angeles mechanic to winterize your Pennsylvania car, or your Dallas-based colleague what she thinks about the public school system in Seattle.
The path to homeownership is right in front of you – you just need to take the first step of qualifying for a home loan! Luckily, our trusted loan advisors can help you with this. The steps to qualify for a home loan can be easily simplified once you have a reliable partner in your corner.
As you make the decision to move forward on your homeownership journey, you may be wondering about all of the costs involved in purchasing a home. In addition to your down payment, you will also need to plan for closing costs.
Getting your ducks in a row when applying for a mortgage can seem daunting, but it doesn’t have to be! Lenders, underwriters and APM are here to help you determine what type of loan, including size, duration and other terms, are right for you.
Low interest rates mean one thing – opportunity! For first-time homebuyers, low interest rates are an added incentive to purchase their dream home. For current homeowners, this attractive lending environment can result in big savings if they refinance.
Whether trying to manage a schedule for one or for a family of six, there are so many things that demand our time and attention. Your desire to be successful in your career, be a great partner and spouse and actively involved parent are all admirable goals and aspirations, but with so many demands, we can become overwhelmed and find ourselves in auto pilot. Creating a healthy and happy work-life balance by establishing a routine is vital to preventing burnout and compromising relationships with friends and family. Time management, as restrictive as it sounds, gives back more time to spend doing what we love with the ones we love!
It’s not feasible for most people to snap their fingers and – poof! – a 20 percent down payment appears. For some, saving for a down payment can be a long-term process. While there are many down payment assistance programs and loan options that can make the down payment a little easier to swallow, there are also a few habits you can implement to quickly save for a down payment.
The monthly payment and duration of your loan can vary widely. These terms are influenced by a few factors, including the type of loan you choose, interest rates and the size of your down payment. You may not be able to control interest rates, but you definitely play a role in your financial future by choosing which loan works best for your situation – and much of that starts with the down payment.
Refinancing a mortgage can be advantageous to many homeowners – but what does that really mean? It’s important to know what is a refinance, and what options exist for you. Let us walk you through some of the reasons you may consider refinancing today.
It’s fun finding reasons to throw a party and celebrate! Whether that be casual or formal, two guests or twenty, a seated dinner or a variety of appetizers and beverages, incorporating a theme makes it fun. The Oscars are just around the corner and this is a perfect reason to throw a party and offer a fun theme as well! Here are some ideas on how to throw a party to remember:
Have you been thinking about purchasing a home sometime this year? As you prepare for that exciting journey, you’ll want to check your credit score. Your credit score, often referred to as your FICO® score, is calculated using your credit history on file with the credit reporting agencies. No matter what your score is, you can work on boosting it by following a few simple tips.
Buying a home can be exciting. You know you want to buy a house, but where should you begin? The ideal place to begin the home buying process is with getting a pre-approval for a home loan.
The Federal Housing Finance Agency (FHFA) announced an increase in the baseline conforming loan limits for Fannie Mae and Freddie Mac loans in 2020. For most of the U.S. the limits have been increased to $510,400, up from the 2019 limit of $484,350 for one-unit properties.
For some higher cost areas, the limit has been increased further, to a maximum of $765,600. This varies by county, and a full list of counties with corresponding limits can be accessed on the FHFA website here.
Special statutory provisions establish different loan limit calculations for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline loan limit will be $765,600 for one-unit properties.
This time of year, many of us gather for a holiday meal with family and friends… sometimes on several occasions. It’s a time of showing gratitude, but sometimes it’s difficult to find ways to show gratitude as a family, especially if you have little ones. Here are some ideas of things you can do during the holidays – or even year-round.
Getting ready to buy a home is the beginning of an exciting journey! Once you’ve found your dream home and you’re ready to buy, how do you decide what type of mortgage loan fits your needs? Should it be a fixed rate loan, adjustable loan, FHA loan, or something else?
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