FURRY FRIENDS SAFETY TIPS … In and Around the Home! Part 1

Posted on June 28, 2019
by Gail Spada

With the 4th of July Holiday soon approaching, this seems like the PURRRFECT TIME to share some thoughts about pet safety to help keep our FURRY FRIENDS happy and safe! Anyone who owns a dog or cat understands that a certain amount of awareness comes with pet ownership. From the great outdoors to your kitchen, […]

Budgeting Tips for Owning a Home!

Posted on June 13, 2019
by Gail Spada

Owning a home certainly means making monthly mortgage payments, BUT that’s definitely not the end of it! Soon-to-be homeowners might be surprised by how many expenses are actually involved with owning a house. Here are a few tips that ALL Soon-To-Be Homeowners should keep in mind BEFORE purchasing a house. Monthly Living Expenses: Your monthly […]

4 Creative Ways to Save for a House Down Payment!

Posted on May 30, 2019
by Gail Spada

When purchasing a home, the amount you’re able to have available for your initial down payment will be a huge factor in determining what your monthly mortgage payment will be. Check out a few creative ways to start saving for the down payment on Your Next Dream Home! Reduce current expenses – even just temporarily. […]

BUYING A HOME?? What You Need to Know about Homeowner’s Insurance!

Posted on May 16, 2019
by Gail Spada

CONGRATS… You’ve finally found the perfect home! NOW… It’s time to get rocking n’ rolling on obtaining your homeowner’s insurance. If you’re also obtaining a home loan, your lender will require that insurance is “bound” before getting to the closing table. Homeowner’s insurance protects your home and your property in case of disaster and protects […]

HOUSE REPAIRS 101 (Part 3 of 3)

Posted on May 2, 2019
by Gail Spada

Welcome back as we conclude our series on HOUSE REPAIRS 101. Here’s a few more home repair emergency tips we’d like to share. Of course, we know we didn’t cover everything a homeowner needs to know about their house, BUT we hope you found them to be helpful and informative! Change Your Air Filters Changing […]

HOUSE REPAIRS 101 (Part 2 of 3)

Posted on April 18, 2019
by Gail Spada

Welcome back as we continue our series on HOUSE REPAIRS 101. Knowing that home repair emergencies can occur at any time, we hope our tips will help you handle them, just in case these annoying house calamities arise! Unclog a Toilet Let’s face it, everybody hates this task! A flange plunger, which has a cone […]

HOUSE REPAIRS 101 (Part 1 of 3)

Posted on April 4, 2019
by Gail Spada

LET’S FACE IT… Home repair emergencies typically don’t give any us any sort of notice! Who’s had those annoying house crises pop-up where you felt you weren’t prepared to deal with them? They’re bound to happen to ALL homeowners and especially, NEW homeowners. Our BLOG series will highlight some of the typical tasks that ALL […]

Applying for a Home Loan and Knowing the DO’s and DON’Ts – PART 2 of 2

Posted on March 21, 2019
by Gail Spada

DON’T apply for new credit or any deferred payment plans. This is a popular option when purchasing furniture. Even if the payments won’t start until 6 months or more down the road, these future payments will show in your credit report as debt and can affect your debt-to-income ratio and your credit score. DON’T co-sign […]

Applying for a Home Loan and Knowing the DO’s and DON’Ts – PART 1 of 2

Posted on March 7, 2019
by Gail Spada

DO … Understand that things have changed! Underwriters require more documentation than in the past. Even if requests seem silly, intrusive or unnecessary, please remember that if they didn’t need it, they wouldn’t ask for it. DO … Keep all your financial records in good order and readily available in case updates are required by […]

IS IT TRUE … Are Non-Traditional Home Mortgages Available Again?

Posted on February 21, 2019
by Gail Spada

Based on a recent article in The Wall Street Journal, reportedly over $33 billion worth of unconventional mortgages were written by lenders in the first three quarters of 2018. This is up over 23% for the same timeframe in 2017. Because these unconventional loans don’t qualify for Fannie Mae or Freddie Mac underwriting, lenders will […]