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We have all heard that getting a mortgage loan can be challenging in today’s environment and the amount of paperwork can be daunting. And, you will have a few important decisions to consider right at the beginning of the application. Fortunately, a little pre-planning on your part can greatly help reduce the stress and make the process go smoothly.

Now is the time of year that many homeowners are starting to think about renovation projects. However, maybe they should consider moving instead of renovating.  There are a few key questions to answer that can help you make the best decision for your situation. 

Buying a home can be a great experience especially if you are prepared ahead of time and understand the process. Once you know you are ready to buy a home, start the process by assembling your team and taking a couple of important steps before looking at specific houses.

Buying your first house is a big step and often times, people don’t find out if they are really ready to own a home before embarking on the process.  Being ready is about being financially and emotionally prepared to buy and own a home. 

Categories: Finances, Homeownership, Saving

Did you know if your house isn't properly insulated, it could be leaking hundreds of your hard-earned dollars each year?

Debt can be extremely detrimental to your financial future if you're not careful. Fortunately, there are ways to manage debt so it works for you, rather than against you - but it does require a little thing called self-discipline.

Categories: Homeownership

Some homeowners decide to take it a step further and make improvements that will increase the value of their home. This is where it gets tricky - some improvements, although nice, may not add value to a home. Yes, a current homeowner may enjoy the improvement, but a potential buyer may be far from impressed. 
 
For this reason, it's important to focus on adding functionality to your home - For example, adding a family room or extra bathroom may be a wise investment. Other improvements, however, allow little opportunity to recover costs. 
 

Categories: Homeownership

Sometimes appraisals can be inaccurate, especially when the appraiser hasn't taken home repairs and improvements into consideration. This is why you should choose wisely when it comes to investing in home projects.

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