Benefits of Owning Your Own Home

While the housing market has certainly kept us on our toes over the past few years, I believe it is important to remind ourselves that owning a home does have its benefits. The return on your investment, income tax savings and stable housing costs can certainly...

Job Loss Protection for Homebuyers

Today’s residential real estate market is unique in many ways.  Never before have we enjoyed historically low mortgage rates, home prices on “sale” with prices retracted by 15-20 years in many markets and inventory (selection) remaining high. We have...

Moving With Your Animal

For those of us who have pets, we have some special considerations when moving.  Here are some tips that we have discovered can help you prevent problems and help the move with your animal to go more smoothly.  Remember, it’s more difficult for your pet to...

What You Don’t Know About Credit Could Hurt You

Here are 5 major factors that could hurt your score: 35% of the score depends on payment history, taking into account late payments. (One late pay could cost you 75 to 100 points). It is important to pay your bills on time. 30% depends on how much debt you have. Your...

Mortgage Rates at 0%, Really.

Australia, Canada, and Europe have enjoyed 0% mortgage loans for 20 years.  This type of home loan, called Off Set Mortgage or All-In-One Loan, has finally made its way into the United States.  Essentially, it works by allowing the money in your savings or checking...