Should You Wait to Buy a Home Until Rates Drop? Here’s Why That Could Cost You More
With mortgage rates higher than we've seen in recent years, many would-be buyers are asking the same question: "Should I wait to buy a home until rates come down?"
HELOC vs. Cash-Out Refinance: Which One Is Right for You?
By Jason Neuffer | Apr 16, 2025
Your home is more than just a place to live—it’s also a powerful financial asset. If you need to tap into your home’s equity, two popular options are a Home Equity Line of Credit (HELOC) and a Cash-Out Refinance. But which one is the best choice for you?
Refinancing Myths: What Homeowners Get Wrong
By Jason Neuffer | Apr 09, 2025
Refinancing your mortgage can be a smart financial move, but misconceptions often keep homeowners from taking advantage of lower rates and better loan terms. Let’s debunk some common myths so you can make an informed decision!
What to Expect During the Mortgage Approval Process
By Jason Neuffer | Apr 02, 2025
Buying a home is an exciting milestone, but navigating the mortgage approval process can feel overwhelming if you don’t know what to expect. Understanding each step can help you prepare and move through the process with confidence. Here’s what you need to know about getting approved for a mortgage.
How to Buy a Home When You’re Self-Employed
By Jason Neuffer | Mar 21, 2025
Being self-employed comes with many benefits—flexibility, independence, and the potential for unlimited income. However, when it comes to buying a home, the mortgage process can be a bit more challenging. Lenders typically view self-employed borrowers as higher risk due to fluctuating income and the lack of traditional W-2 wages. But don’t worry! With proper preparation, you can successfully secure a mortgage and buy your dream home. Here’s how:
The Benefits of a VA Loan for Military Service Members and Veterans
By Jason Neuffer | Mar 14, 2025
For military service members, veterans, and eligible surviving spouses, the VA loan program is one of the most powerful home financing options available. Backed by the U.S. Department of Veterans Affairs, VA loans offer significant benefits that make homeownership more accessible and affordable. Here’s why a VA loan might be the best option for military families and veterans.
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.
How is an underwritten approval letter different from a pre-approval letter?
By Jason Neuffer | Apr 27, 2022
In today’s busy housing market, buyers find themselves making as many as 20 offers before one is accepted. Your approval letter could be the difference between getting the home of your dreams and losing it to a competing offer. You might be thinking, “Well, I have a pre-approval letter!” But was that letter underwritten by an actual underwriter?
