How to Tap Into Your Home Equity Without Selling

By Jason Neuffer |   Feb 28, 2025

Your home is more than just a place to live—it’s also a valuable financial asset. If you've built up equity in your home, you might be wondering how to access that money without selling. Fortunately, there are several ways to tap into your home equity while still keeping your home. Let’s explore your options.

First-Time Homebuyer Mistakes to Avoid

By Jason Neuffer |   Feb 13, 2025

Buying your first home is an exciting milestone, but it can also be overwhelming. Many first-time buyers make common mistakes that can lead to financial strain or regret down the road. To help you navigate the process smoothly, here are some key mistakes to avoid.

What to Do If Your Mortgage Interest Rate Is About to Go Up Due to a Temporary Buydown

By Jason Neuffer |   Feb 05, 2025

If you secured a mortgage with a temporary buydown, you may have enjoyed a lower interest rate for the first few years of your loan. However, it's important to be prepared for the point when your rate increases to its full amount. Here’s how to determine if your mortgage interest rate is about to go up and what you can do to manage the transition.

Closing Costs: What to Expect

By Jason Neuffer |   Jan 24, 2025

Buying a home is an exciting milestone, but it comes with several financial considerations, including closing costs. Understanding what these costs entail can help you prepare and avoid any last-minute surprises. Here's a breakdown of what to expect regarding closing costs.

How to Review a Loan Estimate

By Jason Neuffer |   Dec 10, 2024

If you’re in the process of buying a home or refinancing your mortgage, one of the most important documents you’ll encounter is the Loan Estimate. This document, provided by your lender, gives you a detailed breakdown of the costs and terms associated with your loan. Knowing how to review it can save you money and help you make a confident decision. Here’s what you need to know. Please note the loan estimate images used in this post are just an example and should not be used to estimate costs or quote a rate. Please click here to complete an application if you would like a loan estimate.

Understanding Blended Interest Rates: A Comprehensive Guide

By Jason Neuffer |   Nov 02, 2023

Interest rates play a fundamental role in the world of finance. Whether you're taking out a loan, saving money in a bank account, or investing in the stock market, interest rates have a significant impact on your financial decisions. Blended interest rates are a concept that often arises in various financial situations, and understanding them is crucial for making informed financial choices. In this blog post, we'll explore the concept of blended interest rates, how they work, and their relevance in different financial scenarios.

Helping Home Buyers with Chapter 13 Bankruptcy

By Jason Neuffer |   Aug 01, 2023

In the dynamic world of real estate, every potential home buyer's journey is unique, and as professionals, it's crucial to stay informed about various financial situations that may impact their dreams of homeownership. Today, we want to shed light on a significant misconception that many real estate agents may not be aware of - the possibility of home loan approval for buyers with a history of Chapter 13 bankruptcy.

Your Comprehensive Guide to Purchasing a New Home: Step-by-Step Process

By Jason Neuffer |   Jul 07, 2023

Purchasing a new home is an exciting milestone, but the process can sometimes feel overwhelming. To help you navigate this journey with confidence, we have prepared a step-by-step guide outlining the essential stages involved in buying a new home. By following these steps, you can streamline your search, make informed decisions, and ensure a successful home buying experience.

Overcoming Bankruptcy: Your Path to Homeownership Starts Here

By Jason Neuffer |   Jun 13, 2023

Life can be unpredictable, and sometimes we face financial challenges that result in bankruptcy. But here's the good news: your past does not define your future, especially when it comes to achieving the dream of owning a home. In this blog post, we'll explore the options available to you and how you can navigate the path to homeownership, even after bankruptcy. Let's dive in!

'Low' Interest Rates May Cost Borrowers Big Money

By Jason Neuffer |   Sep 02, 2022

A higher percentage of homeowners than ever before have interest rates below 3.25%. Is it a good financial decision to keep that rate or is it a false sense of financial security?

The average homeowner lives in their home for eight years. Unless they have purchased their forever home, they will be financing another mortgage at the time of the next purchase and will be subject to current interest rates. The idea that they are locked in for 30 years (unless they are one of the few who actually stay in their home for 30 years) is already a false sense of security. The best way to ensure financial stability is to eliminate high-interest debts, even at the expense of a low-interest first mortgage.