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  • down payment for house

    How To Save For A Down Payment On A House

    You can buy a home for very little money down, but we don’t recommend it. Why would you want to do that and pay hundreds of additional dollars every single month to someone for Private Mortgage Insurance (PMI) until your loan value is less than 80%? Really, you don’t want to pay that. It is […] More

  • How To Refinance Your Mortgage

    Is It A Good Idea To Refinance Your Mortgage?

    With interest rates low at the moment, many homeowners are making the decision to refinance their homes in hopes that they can save a few dollars here and there. There is nothing wrong, after all, with saving money on your mortgage. The good news about refinancing is that it is designed to help people save […] More

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    Three Things I Learned about Mortgages Buying Our Dream House

    When it’s time to buy a new home, you’re going to learn more about mortgages than you probably ever wanted to know. Trust me; I have two of them. When my husband and I became engaged in 2003, we decided we wanted to graduate college and build a house before we got married. We were […] More

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    When is the Best Time to Apply for A New Mortgage?

    With mortgage rates always in jeopardy of rising, many potential homebuyers want to know when it is the best time to get that application into the lender’s hands. The truth is that there simply is no set in stone right or wrong time to apply for a mortgage, but there are a few different times […] More

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    What To Avoid When You Are Ready to Buy A House

    The idea of finding your dream home is so exciting. I remember when we found ours and we were so happy that we were able to find a house that had every single thing on our list of wants, including size, location and price. We were thrilled; it was divine intervention, in our opinion, since […] More

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    Is A Reverse Mortgage Really A Good Idea?

    It’s been years since I’ve watched a commercial. Honestly, we just use our DVR for all the shows we like to watch – or watch them on Netflix – and we don’t even bother with television when it’s live. To be quite honest, we actually avoid live shows and will find something else to do […] More

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    What Happens If I Can’t Make My Mortgage Payment?

    It’s an unfortunate occurrence, but it does happen. I was more than a little shocked recently to listen as a friend of mine told me a family member called her to ask to borrow money. She was a little shocked herself to hear the request and proceeded to ask why this person needed to borrow […] More

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    Escrow Accounts: Should You Have One Or Not?

    It was only a few weeks ago when I was reading some mail while I had my mom over for lunch during the week of her spring break from teaching. My big girls were at school (different county than my mom’s school) and my twins were napping. I commented that I must have missed the […] More

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    Expenses You’re Paying On Top of Your Mortgage When You Buy A Home

    Realtors and mortgage lenders should be required to hand out a pamphlet to buyers – particularly first-time homebuyers – stating all the things that they need to pay for once they close on their home. I’m not talking about doc stamps and closing costs and down payments and mortgage origination fees or any of that […] More

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