We love our pets, they are part of the family. But did you know that your furry (or feathered) friend could play a surprising role in your homebuying journey? While your dog probably will not impact your credit score, being a pet owner can influence where and how you buy a home, and even the type of loan you choose.As a mortgage originator, I have worked with many clients who did not realize their pets could affect everything from HOA rules to homeowners’ insurance policies. Here is what … [Read more...]
What Your Coffee Habit Can Teach You About Paying Off Your Mortgage Faster
As your mortgage advisor, I am not here to tell you to give up your favorite coffee, but I am here to show you how something as simple as your daily coffee run can reveal some powerful lessons about how to pay off your mortgage faster. The Cost of Coffee and the Opportunity It HidesLet’s say you spend $5 a day on coffee, five days a week. That is $25 a week, about $100 a month, and $1,200 a year. Over 10 years? That adds up to $12,000.Now imagine if you took just a portion of that and … [Read more...]
Eco-Friendly Mortgages To Finance Green Homes
As more homeowners seek sustainable living options, eco-friendly mortgages have become a valuable tool for financing energy-efficient homes. These specialized loans offer financial incentives to buyers and homeowners who invest in environmentally friendly properties or upgrades. Understanding how these mortgages work can help you determine if they align with your homeownership and sustainability goals. What Are Eco-Friendly Mortgages?Eco-friendly mortgages, also known as green mortgages, are … [Read more...]
Why Your Mortgage Has an Escrow Account and How It Works for You
When you close on a home loan, you’ll likely hear the term “escrow account” mentioned—and if you’re like most buyers, you may not be entirely sure what it means. While it might sound complicated, an escrow account is a helpful tool that simplifies homeownership and protects your investment. What is an Escrow Account?An escrow account is a separate account set up by your mortgage servicer to hold funds for specific home-related expenses, most commonly property taxes … [Read more...]
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