ROSA FERRO

Wishing every day of the new year to be filled with success, happiness and prosperity.

If you are starting your new home search in the new year, get a quick education on common terms.

New Home 101: Glossary of Terms - NewHomeSource If you're shopping for a new home, there are a lot of terms. NewHomeSource has a guide to some of the terms you'll come across while shopping for a house.

Upgrade ideas for your bathrooms in 2023.

10 Bathroom Design Trends We’ll See In 2023 From bathtubs to hardware, here are the bathroom trends interior designers predict will be popular in 2023.

Pets, stairs, outdoor space…all things to consider when choosing your next home.

What To Look For In A Family Home - MyFancyHouse.com If you’re planning to buy a home for your family, there are a few factors you need to consider carefully. Even if you haven’t started a family yet, you

Finance your home purchase with the Union Bank® Doctor Loan Program for MDs and DOs. Contact me to discuss your loan options.

Doctor Loan Program The Doctor Loan Program offers special terms on an array of fixed-rate and adjustable-rate loans.

Wishing you a holiday season filled with joy, peace and happiness.

Here's what a long time customer had to say about Union Bank® and the service received. If you or anyone you know is looking for home financing, please contact me.

You've bought your new home, now make it yours.

After the Move: 10 Steps to Settle into Your New Home - NewHomeSource NewHomeSource has ten steps to help you settle into your new home after you get done with moving.

If you really want to make your abode an oasis of cleanliness, here are four items you should check in on—chances are good you need to clean or outright replace them right now.

Five Things in Your Home You Should Probably Replace Right Now Keeping a clean home isn't easy, but don't let these tasks fall by the wayside.

How to make a laundry room prettier and more functional.

20 Laundry Room Organization Ideas to Declutter Your Space Keeping a smart, organized laundry room ensures an efficient space that will make doing laundry not such a chore.

Fake it until you make it, baby steps to your dream kitchen.

Fake a Kitchen Reno With These 8 Hacks Want to renovate your kitchen? Whether you're strapped for time or money, these 8 hacks will help you fake a kitchen reno in no time.

As we are winding down 2022, let's check out some home design trends that were popular this year.

40 Home Design Trends That Will Shape 2022 Jump-start a remodeling project with ideas for features, styles and products expected to take off in 2022

We take a different approach to condo financing at Union Bank®. Contact me to find out more.

Condominium Financing Compare our lender advantage - Condominium projects with as few as 2- to 4-units are eligible. Loans subject to credit and collateral approval.

It's no secret that insulation is important. Here are five ways to improve insulation in your home after moving in.

How to Improve Insulation in Your Home After Moving In - RISMedia's Housecall By Emma Sturgis It's no secret that insulation is important. A good insulation system can help regulate the temperature in your home, making it more comfortable for you and your family. It can also save you money on your energy bills. But what if you've just moved into a new home and the insulation....

Escrow deposits are a way for a 3rd party to hold onto assets until both buyers and sellers have completed their obligations.

How Does The Escrow Process Work in Real Estate - RISMedia's Housecall By Bill Gassett When you are buying a home, some parts of the transaction can be confusing, and the escrow meaning is one of them. It is not unusual for homebuyers to ask, what is an escrow account and how will it affect me in the buying process? Having escrow funds ensures that the buyer …

Union Bank® offers a wide range of Interest Only Mortgage products - If interested, please contact me. Union Bank NMLS ID #539249. Equal Housing Lender.

Buying a fixer-upper, or just doing some renovations? Stay organized with this handy checklist.

Our Ultimate Renovation Checklist Will Help You Plan Any Project Thinking about renovating your home? We spoke to experts to compile the all of the renovation to-dos you need to know about before you get started.

What is escrow, and what to do when the property you are buying, or selling is in escrow.

What is Escrow? - Housely An escrow or escrow account is commonly opened when a person is in the process of selling or buying a home. A neutral third-party holds the account on

Union Bank® offers an opportunity to recoup cash with no seasoning requirements on properties purchased with cash. Contact me to discuss further.

Cash Recoup Union Bank® offers an opportunity to recoup cash with no seasoning requirements.

Another satisfied customer! If you are looking for home financing solutions, please contact me.

The FHFA has announced its conforming loan limits for 2023. Your buying power is increasing!

FHFA Announces Conforming Loan Limit Values for 2023 | Federal Housing Finance Agency This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.

Union Bank® is now officially part of U.S. Bancorp. If you are a client, you should continue to bank as you normally do – via our website, mobile app or at our local branches. Coming spring 2023, you will begin to receive information about account transitions to U.S. Bank. To learn more about U.S. Bank and their industry-leading digital tools please visit usbank.com/unionbank.

Union Bank acquisition and customer account transition I U.S. Bank Union Bank is joining U.S. Bank to make banking easier. Find important details and next steps about transitioning your Union Bank accounts to U.S. Bank.

A residential warranty can provide peace of mind to both the buyer and the seller. Learn more here.

What is a Home Warranty? - Housely A home warranty is an insurance policy that protects both the buyer and seller from the day a home is listed on the market until one year after the

Home tours are one of the most important parts of the homebuying process. Be sure to look for these details when touring a house.

Does the Home You Are Touring Have Water Damage? Here’s How You Can Tell - RISMedia's Housecall By Anica Oaks Home tours are one of the most important parts of the homebuying process. For many buyers, the anticipation of finally touring homes they've seen online leads to so much excitement during the tour, they forget to look for important details. Unfortunately, this can lead to expensive pro...

Having trouble coming up with the down payment for your dream home? Union Bank accepts 100% gift funds for the entire down payment of your loan. Call or message me to discuss your options.

Gift Funds Union Bank® accepts 100% gift funds for the entire down payment of your loan.

We gather on this day to be thankful for what we have, for the family we love, the friends we cherish, and for the blessings that will come. Happy Thanksgiving!

Owning a home comes with a lot more responsibility than renting.

7 Essential DIYs Every Homeowner Should Know Owning a home comes with added responsibility. When it comes to home renovations, these are the best DIYs for homeowners to know.

Learn more about the terms "contingent" and "pending", and what "under contract" means.

Can You Buy a House That is Under Contract? - RISMedia's Housecall By Bill Gassett With the strength of the real estate market showing no signs of backing off, homebuyers face a challenge. Properties find a buyer quickly after being listed in many markets, leaving potential buyers looking at an under contract or pending listing. But what can you do when your dream....

Looking to save in this rate environment? Introducing our Home Loans Relationship Pricing Program where clients are rewarded for their relationship with additional mortgage rate or fee discounts. Contact me to learn more.

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