1. Does a Home Warranty Make Sense for You?

    What is a Home Warranty? A home warranty is a service contract designed to help pay for the repair or replacement of major home systems and appliances when they break down. Appliances often covered by a home warranty include: washer and dryer, oven, refrigerator, dishwasher, heating/cooling systems, and hot water heater. A home warranty is […]

  2. Efficient ways to mitigate your home’s heating (and cooling!) costs

    Maintaining a comfortable temperature in your home is an essential but often expensive thing to do, especially in the hotter and colder months of the year. Below, we have listed a few actions you can take that can help relieve some of the cost. Reversible Fan: Ever wonder why your ceiling fan can spin in two […]

  3. Key Considerations for your Homeowners Insurance Search

    Once you have found the home you intend to buy and your financing process is underway, you will need to begin shopping for homeowners insurance. While it may sound like a simple task, there are quite a few decisions that can make a significant difference in the cost of your insurance. Liberty Mutual’s Joey Privitera […]

  4. 3 Reasons to Get a Home Inspection

    Having the home you’re planning to buy inspected may be optional, but is often well worth the investment. The inspection provides an objective evaluation of the home’s condition, addressing defects, general wear and tear elements, and grandfathered components that you may want to keep an eye on. The findings of the inspection are most commonly […]

  5. What Should You Expect From Your Agent, and What Will Your Agent Expect From You?

      Areas to Establish Expectations:   1. Communication What you should expect: Your agent is working for you meaning you can expect quick response times when requesting his/her attention. However, your agent may have a handful of clients he/she is working with simultaneously, so be realistic. What your agent will expect: Your agent will expect […]

  6. Three Great Reasons to Get Pre-Approved Before You Begin Looking for Your Next Home

    It’s important to understand the difference between a pre-qualification and a pre-approval. These terms are often used interchangeably, but getting pre-approved is a much more rigorous process than getting pre-qualified.

  7. What Does Fair Isaac’s New Credit Score Model Mean to Mortgage Applicants?

    Fair Isaac Corp (FICO) , the company that calculates the country’s most widely used credit score, recently announced that it will recalibrate its scoring system, including giving less weight to medical related debt. It will also stop including records of failures to pay bills if the consumer has settled with a collections agency or paid the debt.

  8. What You Need to Know about the Home Inspection Process

    Important facts to know about home inspectors include:
    • The buyer decides whether or not to get a home inspection.
    • Not all inspectors are created equal.
    • Inspectors get business from real estate agents.

  9. Preparing for Divorce….What Will Happen to Your Mortgage?

    If you’re thinking about divorce or in the early stages of a separation, it’s important to figure out what will happen to your home – especially if there’s a mortgage on it.  Usually both spouses are co-owners of their property and both are on the mortgage.  To keep the home, you will need to refinance […]

  10. Help for Underwater Homeowners via HARP

    As home values continue to rise in most markets, an estimated 9.3 million homes remain “deeply underwater”, according to RealtyTrac.  These are situations where property values are at least 25% lower than the outstanding mortgage debt on the property.  If your home falls into this category, and you could benefit from refinancing with current interest […]