If you are thinking about buying a home in 2021, one of the first things you need to do is save enough money for a down payment. That’s not an easy task, and if you’re having trouble saving money, it might be time to examine your current spending habits. Here are three common habits that can make it much harder [...]

One of the most common rituals for the new year is the habit of setting goals. Often these goals revolve around personal improvement, or finding ways to make a better life in the coming year. For those who have been renting, now is the perfect time to set a goal for achieving home ownership in 2021. After a difficult year [...]

In part one of this blog post we covered the first steps to help you save for a down payment, which involved: Knowing how much you need to save Setting a timeline for saving Selecting the loan you would be eligible for, so you know how much down payment you need (5% to 20%+) Now let’s talk about some of [...]

There are few things in life as big as buying your very own home. Homeownership has long been a central part of what many people call the “American Dream,” but it’s not something that you can achieve easily. One of the biggest hurdles to buying a new home is having enough money to put as a down payment. If you [...]

Now that the events of early November are starting to settle, it looks increasingly president-elect Joe Biden will become the 46th president of the United States. Many people are wondering what effect this change might have on interest rates. After all, we have seen a long stretch of record low rates. Homebuyers in the market to get a mortgage loan [...]

As you prepare to apply for a mortgage loan, there is a lot to do. You need to get prequalified and/or preapproved, you need to set your budget, and you need to make sure your finances are in order to get the best mortgage rate. But there is one additional item to add to your checklist: comparing mortgage lenders. To [...]