Network Independent Mortgage Brokers

Life is getting expensive, but it doesn't have to come at the cost of your down payment for a home. Check out these resources or get in touch to find out how you can get down payment assistance.

On The House: Is Down Payment Assistance Available To First-Time Homebuyers? Who doesn't love free money—especially when it can help you to purchase your first home? What to know about down payment assistance programs.

Should you use a buydown to lower your mortgage rate? Here's more information on when they might be worth it.

Buydowns can lower mortgage rates, but are they worth it? As interest rates continue to cut into housing affordability, industry experts say mortgage buydowns have become more common.

Home inspections aren't quite a matter of pass or fail, but there are a few things to be aware of.

What to Do When Your House 'Fails' Inspection Are there certain things that can fail a home inspection? Not exactly.

Here's a quick rundown on points and lender credits, how they work and more.

What do points and credits do for your mortgage? Learn what they do and when they could be most helpful.

The newsletter is sent out twice a month and provides useful tips and news related to mortgages, homebuying, homeownership and more.

Subscribe Today Sign up and stay tuned for this week's posts.

Approximately 25% of American homes rely on septic systems. If you own a home with a septic system or are thinking of buying one, this guide uncovers the cost and importance of regular inspections.

How Much Does a Septic Inspection Cost? Regular inspections are an important part of septic system maintenance. It’s common for septic inspection cost to range between $200 and $900, with a national average cost of $550.

Real estate trends across the country are taking some inspiration from the sun -- home prices are rising in many Eastern states and falling in the West.

U.S. home prices are falling in the West but rising in the East Home values in Seattle fell 7.5% last month but rose 8.3% in Buffalo, New York, a new report shows.

As of last month, these changes to mortgage insurance costs could make getting an FHA mortgage cheaper for many Americans.

New measures that cut the cost of FHA mortgage loans roll out in March The reduction could save 850,000 homebuyers and homeowners who have Federal Housing Administration loans an average of $800 this year.

If you're looking into your home loan or refinancing options, you might want to look at how conventional mortgage fees will change starting next month.

Are you aware of these upcoming changes to mortgage fees? Get in touch if you have any questions or would like to discuss your best options.

If you're not subscribed to the newsletter, you're missing out on quick tips and insights on all things mortgage and homeownership. Sign up to receive the twice-monthly newsletter today.

Don't Forget to Subscribe Sign up and stay tuned for this week's posts.

You can use these clever strategies to make your interior spaces look and feel luxurious without committing to a luxurious budget.

How to Make Your Home Look High-End on a Budget - Realty Times Designing a home isn’t an inexpensive endeavor, but ultimately, the outcomes you tend to want are spaces that look curated and high-end. Have you ever walked into a house, and it just felt expensive? Whether or not it actually is can be the question. Designers often use tricks and tips to elevate ...

In our current financial climate, it can be difficult for young adults to afford their own housing. Parents can teach teens these three things to give them a better start toward independence.

3 Things Parents Should Encourage Their Teens & Twenty-Somethings to Do (If You Ever Want Them to Move Out of Your House) Years ago it was common for children to move out and get a place of their own right after they turned 18, or maybe around 22 if they went to college. But times (and costs) have certainly changed over the years, making it difficult for young adults to move out and get a place of …

If you'd like to enhance your home or investment property's efficiency, this resource lists endless ideas, from efficient construction framing to smaller upgrades like tankless water heaters.

71 Ways to Make Your Building More Energy Efficient - Today's Homeowner An energy efficient building reduces maintenance and utility costs, but, in many cases, improves durability, lessens noise, increases comfort and creates

No need to unplug your appliances or take shorter showers -- these four lesser-known ways to save don't sacrifice comfort and are as simple as using a different dish detergent.

Utility-Saving Tips That Most People Don't Know Fun fact: Ceiling fans can provide warmth by spinning in the opposite direction.

Whether you're saving for a home or paying off your second mortgage, the newsletter offers practical guidance to make your journey easier.

Easy Steps Toward Happy, Affordable Homeownership Sign up and stay tuned for this week's posts.

There are a ton of different types of wood flooring with different pros and cons, so this guide can come in handy for your next renovation project. Which type is your favorite?

The Ultimate Guide to Wood Flooring Types Here's everything you need to know about wood floors, including types, cost, and installation considerations.

In some cases, items and work-related expenses around your home office can be claimed as a deduction on your 2022 tax return. Here's what you can claim, and who qualifies for these deductions.

Here's who can claim the home office deduction on this year's taxes If you worked from home in 2022, you may wonder if you qualify for the home office deduction. Here's what to know before filing your return.

Mortgage insurance premiums will be reduced from 0.88% to 0.55% for over 850,000 FHA borrowers.

FHA Announces Lower Mortgage Insurance Premiums Earlier this morning, HUD released details of a long-anticipated plan to reduce the annual MIP (mortgage insurance premiums) that are currently charged to FHA borrowers by 30 Basis Points (0.3% of the loan balance). HUD Secretary Marcia Fudge made the announcement today at Bowie State University. Th...

Have you ever wondered how a previously shared loan is handled when spouses go their separate ways? Here are some common strategies and tips on how to achieve a better outcome.

How are joint mortgages handled after divorce? The solution can differ depending on the circumstances.

Are you interested in real estate investing, but aren't sure where to start? Here's an overview of must-know facts, tools and tips. Reach out to learn more about financing investment properties.

Real Estate Investing - A Complete Guide To Getting Started Learn about investing in real estate as an active investor with rental properties or flipping houses, or as a passive investor in REITs, mutual funds, or online platforms

Is it safe to say that mortgage rates are "normal" again? Even as rates fluctuate over time, you can use these tips and get in touch to discover your loan options and find the best rate possible.

Are Mortgage Rates Back to “Normal”? Get the latest real estate news and trends.

The cost of a typical home seems to have never stopped increasing over the past few years. But recently, price growth showed some signs of slowing down.

Pace of Home Price Growth Slows Despite mortgage rates hovering near 7%, approximately 90% of the top metropolitan real estate m...

The best way to avoid regret in your homebuying journey is to learn from those who have experienced it. Here are common reasons why people report feeling buyer's remorse.

Why Do People Experience Homebuyer’s Remorse? - Realty Times A home is almost always the most significant purchase someone makes, so the thought of making a wrong decision stirs up immense anxiety for many buyers or would-be buyers. Buyer’s remorse is that feeling that takes hold when you regret a purchase. When it’s something small, like maybe a gadget y...

Homeownership can provide wealth-building benefits that can echo through several generations of a family's finances. Here are five ways that a home can create long-lasting financial stability.

The Power of Homeownership for Generational Wealth Owning a home can create financial security that stands the test of time.

Sign up for the newsletter to get fresh content on homeownership, home loans, homebuying and more.

Stay Connected Sign up and stay tuned for this week's posts.

PACE loans are used to help cover the upfront costs of energy efficiency-related upgrades for private properties. Feel free to reach out if you have any questions about home improvement loans.

5 Things to Know About PACE Loans - Realty Times A PACE loan is advertised as needing no money down, providing a way to finance home improvement projects to facilitate energy efficiency. For example, these loans might be used for projects like a new roof, impact windows, or solar panels. The following are important things for consumers to know bef...

Data suggests that millennials have been making up for their initial delay in becoming homeowners within just the past few years. Will millennial household growth continue to surge this year?

Household Growth Driven by Millennials in 2022 According to a new report from the Joint Center for Housing Studies, as rising interest rates cooled...

The cost of a new roof can vary widely depending on factors like square footage, roofing materials and more. This helpful price guide gives a great overview.

Pricing Guide: How Much Does a Roof Replacement Cost? - Lawnstarter Time for a new roof? We'll help you figure out your roof replacement cost depending on home size, roofing material, and other factors.

Finding the right time to replace your roof helps maximize your old roof's value while avoiding damage and additional repairs. But how can you tell? Here are four signs to look out for.

4 Signs That It's Time to Replace Your Old Roof You may want to call a roofing company if you spot any of these signs.

Please reach out if you could use my services -- or if you know someone who might.

Get in Touch Referrals are always appreciated.