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Just when you think you’ve got it all figured out, the housing market changes. Well, here’s the truth: No one has it all figured out. Being mortgage professionals, however, we do understand the ins and outs of the market and how today’s climate affects your homebuying ability and the mortgage process.
It’s the dog days of summer—and we’d better take advantage of them while they’re here! Soon enough, it’ll be back to the grind. Let’s forget about that now, though. You’ve got sunshine to enjoy and water to splash in!
The homebuying process…where do you even start? Buying a house may be a lifetime dream of yours, but for many buyers it can feel overwhelming at first. While it may seem like a lot, our APM Loan Advisors have your back. Our 100% focus is on getting hardworking people like you into the homes they deserve.
Economic Update with Elliot Eisenberg
Elliot is back with an update to talk about what's going on with interest rates. He talks about inflation expectations compared to released data, and how the markets have responded and will respond going forward. He wraps up with talk about recession - whether he sees one coming or not, and why.
If you’re planning to finance your home, you need the support of an experienced and local mortgage loan officer. You’re probably aware that they’re the ones who collect all that tedious paperwork, but the value of a loan officer goes far beyond that during your home purchase.
Buying a home involves a lot of choices—locations, type of home, type of loan, and more. When it comes to the type of home, remember that a single-family home isn’t the only option. Condos can be great places to live, not to mention solid investment properties. That’s because the condo market continues to expand and may increase your options.
Moving into your new home is so close you can almost taste it! While the excitement is building, the stress might be as well when you consider all the things that you have to do before then—large and small.
In honor of National Homeownership Month, we wanted to explore the ins and outs of house rules. Do you have house rules? Are they followed? Wondering what the most common rules are—or the biggest faux pas you can commit as a guest in someone else’s home?
Economic Update with APM Consulting Economist Elliot Eisenberg
This month, Elliot talks about housing inventory trends historically, and how that is affecting our current inventory crunch. He also addresses the fears many have about a recession - or even a repeat of the events of 2006-2008 (hint: this is NOT a repeat!). His perspective on the coming months and years includes discussion on rates, rents, and the impending influx of buyers.
We all know the drill: House-hunting is fun, but a mortgage application … not so much. Collecting tax returns, proof of income, bank statements, credit reports, pay stubs, and other documents just isn’t as exciting as attending an open house and visualizing your family inside those walls.
That’s okay, though: We’ll make applying for a mortgage simple so you can get back to the good stuff—securing your American dream!
You know you want to purchase a home—and that is so exciting! We feel your energy, we really do. But before you start looking online or driving around neighborhoods in search of your dream home, you need to get your ducks in a row and prevent unpleasant surprises that can delay the lending process.
As exciting as it is to go house hunting, there can be some surprises along the way. Not all of these surprises are fun, and the last thing you want to do when buying a home is realize you can’t qualify for the loan amount.
It is possible to obtain a conventional mortgage if you have a low down payment, but the trade-off is having to accept private mortgage insurance—also known as PMI. If you’re putting down less than 20% on your home, this article is for you!
Here’s the lowdown on PMI, when you need it, how to pay for it, and some ways you can avoid it altogether.
You’re thinking about selling your home, but you’re stuck on the age-old question: Are you going to list your home yourself, or are you going to use a listing agent?
The mortgage process can be stressful … we know. Bank statements, credit scores, interest rates, loan estimates, closing disclosures, and more can really bog you down during the homebuying journey. That’s why we’re offering you a quick list of do’s and don’ts to help you cut through the noise and create a speedy mortgage process so you can focus on the fun stuff: finding your dream home!
Buying a home is one of the biggest, most important decisions you’ll make. After debating the pros and cons of homeownership—and there are many—you may have a whole new set of questions about hiring a real estate agent.
Real estate agents are a dime a dozen, right? While it’s true that buyer’s agents and seller’s agents are in no short supply, a good real estate agent is something to appreciate. So how do you know if they’re good, and—even better—how do you know if they’re good for you?
Can you buy a home without a buyer’s agent? Of course you can. Just like you can sell a home without a seller’s agent. Here’s the deal, though: Those decisions tend to cost you time, energy and, most of all, money!
Naturally, having a good credit score and making a down payment of 20% or more can help you secure the best interest rate, but there’s something else you can do to lower that rate even further. It’s called a mortgage rate buydown.
