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Getting to know all the people who will join you for all or part of your homebuying journey is like meeting new people on the first day of school or the first day at a new job. There will be a lot to process, which alternately will prove exhilarating and overwhelming. Read More
Are rates going up or are they going down? The truth is, no one can be certain which direction they’re headed. While many investors and rate-watchers believe they can time the market to get the lowest interest rate possible, dart throwing with a blindfold typically proves just as accurate. Read More
As the gates swing open into a perfectly maintained neighborhood and your car winds its way past the common area, clubhouse, and perhaps even a pool and playground equipment, the appeal of living in this ideal neighborhood will probably become obvious before you ever reach the house you plan to walk through. While such amenities can greatly enhance a home and its value, they do add an extra layer of expense to living in the community. Read More
Hello everyone and welcome back to the Mortgage Rundown. Today we are going to talk about what’s happening in the capital markets. Read More
There are major differences between what is considered “good” debt and “bad” debt. To help  you understand the difference, it is important to be able to differentiate between wants and needs. Read More
For the sixth year in a row, national mortgage lender New American Funding made Scotsman Guide Top Mortgage Lenders list. The California-based company was ranked among entries from hundreds of mortgage companies across the country in the following categories: -        Top Overall Volume: #15 -        Retail Volume: #9 To view Scotsman Guide’s residential rankings visit: https://www. Read More
As temperatures begin to warm up in most parts of the country, especially in areas where the weather may have had you cooped up for several months, yards, decks, and patios can feel like you've found extra rooms in your home. Whether it's an upper deck off a bedroom that can now serve as a cozy spot to start the day or a patio you can use as a second dining or family room, it's time to look at how you’ll use your outside spaces to get the most out of them this season. Read More
Becoming a homeowner comes with paperwork. In addition to the documents you need to close your mortgage agreement and take title to your new home, there are a few others you should consider preparing or updating once you move in. Read More
Recently retired, you’ve sold your home at the top of the market, you’re flush with cash from all the home equity you’ve realized, and now but one question remains: Where are you going to live next? A thousand thoughts dart around in your head: “There was that charming little town we visited on our vacation last year,” “We want to be close to the grandkids,” “We want to live in a place where our money will go further. ” You haven’t faced this many choices since you were a freshman in college trying to decide between majoring in psychology or pre-med. Read More
With their open layouts, attached garages, and, generally, single-floor design, ranch-style homes began popping up in the 1930s and quickly grew in popularity until the 1980s, as the move toward McMansions took hold. However, a recent report by Trulia shows the popularity of these homes, also known as “California ranch style” and “ramblers,” is on the upswing again, with many homebuyers opting to head back to the ranch. Read More
Owning a home can be a huge responsibility, especially for a new homeowner. Moving in and making repairs and improvements can be overwhelming. Read More
When buying a home, your focus is often on getting the deal done with as low a down payment as possible. While that’s a savvy move, it can come with the added expense of a monthly insurance premium when you purchase with a down payment that’s less than 20 percent. Read More
As a Real Estate Agent, your days can be busy and unpredictable. Often, your car doubles as your office. Read More
Mortgage rates can fluctuate from day-to-day. Wondering what's driving those rates higher or lower?     Let's take a look. Read More
By now, if you’ve been exploring various financing options for purchasing a home, you’ve probably encountered enough acronyms and abbreviations like ARM (adjustable rate mortgage) DTI (debt-to-income ratio), PMI (private mortgage insurance), and VA (Veterans Administration) to make your head spin. While the mortgage industry admittedly uses a great deal of shorthand to do its work, it’s vital that consumers try to unpack the jargon as much as possible, so they can better understand the loan process, and, ultimately get the best loan for their situation. Read More
In many ways, getting a good deal in real estate is no different than buying mattresses or big screen TVs on sale. Savvy shoppers, who do their homework, know what, when, where and how to buy to get the best bargains. Read More
American homeowners are expected to spend close to $340 billion on home improvements and repairs in 2018. A critical step in making those improvements a success is hiring the right contractor. Read More
Today we are going to talk about what’s happening in the capital markets. The FOMC meeting came and went last week with little change in the Fed’s stance of 3-4 interest rate increases for 2018. Read More
Mother’s Day and flowers go hand in hand. In fact, it beats Valentine's Day for floral sales. Read More
If you’re running up against multiple offers from well-qualified and all-cash buyers, the last thing you want in your offer is a 30-to-60-day escrow.   Your offer in today’s fast-moving market simply won’t be relevant. Read More
For a third consecutive year, New American Funding has received multiple Stevie® American Business Awards, including a Stevie® gold as “Company of the Year. ”  The prestigious awards annually recognize the achievements of businesses and working professionals throughout the U. Read More
You hear almost every day, especially from millennials and first-time homebuyers, that’s it’s almost impossible to buy a house today.   And while it’s true that wages are struggling to keep up with housing prices, it wasn’t necessarily a picnic for your parents or grandparents either to purchase a house when they were just starting out. Read More
Any day is a good day to reduce your outstanding balances. This is especially true given that most American workers’ take-home pay recently rose as new, lower tax brackets took effect. Read More
With the economy strengthening throughout 2017 and general expectations for it to continue to be healthy, it’s believed that the Federal Reserve Bank (Fed) will increase interest rates during 2018. The increases are expected to be small and are being done to bring the overall level of short-term rates back to what is considered by economists as a "neutral position. Read More
Many young adults dream of making the switch from renting to owning a home. When these aspiring homeowners are also your kids, it's only natural to want to help. Read More
If you are like many U. S. Read More
After the ink dries on your closing agreement and you test the keys in the lock, it’s time to face the prospect of turning that now empty house into your next home. So, how do you satisfy your champagne decorating tastes on what’s likely to be the diet cola budget you have left? Here are some pointers on how to fill your home with furnishings while holding onto what’s left of your nestegg. Read More
Ready to get serious about homeownership? Then it’s probably time to start saving for a down payment. While down payments can seem like a challenge, they are really like any other goal you set for yourself, doable. Read More
Members of the Millennial generation (born between 1980 and 1998) are on the move, with a growing number moving into homeownership. During  2016, they accounted for 34% of homebuyers according to The National Association of REALTORS® (NAR) Home Buyer and Seller Generational Trends Report 2017 Where They Are Headed After flocking to urban areas as single renters, many Millennial buyers indicate they are headed to the suburbs and beyond. Read More