Category Archives: Uncategorized

2022 has been an interesting year for mortgage rates. January started with rates in the low 3% range and now it’s the end of March. We are now looking at average rates in the upper 4’s! What happened? We knew interest rates would go up this year, the Fed made announcements in January that theyContinue reading “What Has Happened with Mortgage Rates?”

As the spring housing market kicks off, you likely want to know what you can expect this season when it comes to buying or selling a house. While there are multiple factors causing some uncertainty, including the conflict overseas, rising inflation, and the first rate increase from the Federal Reserve in over three years — the housing market seems to be relatively immune. Here’sContinue reading “What You Can Expect from the Spring House Market”

If you’re ready to move up, you may be trying to decide whether you want to buy a home that’s already on the market or build a new one. And since the supply of homes available for sale today is low, you’re willing to consider either avenue. While home builders are doing everything they can to construct moreContinue reading “What You Need To Know if You’re Thinking About Building a Home”

In some markets it may make sense to wait until you have enough down that you do not need to pay mortgage insurance, but, in this market DEFINITELY NOT!!! Mortgage insurance is designed to provide the bank protection against you defaulting on the loan. With a conventional mortgage the bank believes when you have 20%Continue reading “Should I Wait Until I Have 20% Down?”

If you’re thinking about buying or selling a home, you’ll want to keep a pulse on what’s happening with mortgage rates. Rates have been climbing in recent months, especially since January of this year. And just a few weeks ago, the 30-year fixed mortgage rate from Freddie Mac approached 4% for the first time since May of 2019. But that climb hasContinue reading “How Global Uncertainty Is Impacting Mortgage Rates”

For many homebuyers, the thought of saving for a down payment can feel daunting, especially in today’s market. That’s why, when asked what they find most difficult in the homebuying process, some buyers say it’s one of the hardest steps on the path to homeownership. Data from the National Association of Realtors (NAR) shows: “For first-time homeContinue reading “Down Payment Assistance Programs Can Help You Achieve Homeownership”

Often, we do not know how God uses the little things that we do to impact someone else’s faith. I received a Facebook message from someone last month regarding an event that happened 25 years ago but was still remembered. The event had inspired her to keep doing good. God uses those little things we do – a kind word orContinue reading “Hands & Feet of God”

One requirement for a mortgage is an employment history (or income that we can verify). So what happens if you want to buy a home and have a new job? Maybe you are a first time homebuyer  and just starting your career. Maybe you were laid-off and just started back to work. Maybe you wereContinue reading “Can You Buy a Home Without a Job?”

One key question that’s top of mind for homebuyers this year is: why is it so hard to find a house to buy? The truth is, we’re in the ultimate sellers’ market, so real estate is ultra-competitive for buyers right now. The number of buyers searching for a home greatly outweighs how many homes are available for sale. WhileContinue reading “Buyers Want To Know: Why Is Housing Supply Still So Low?”

Over the past two years, we’ve lived through one of the most stressful periods in recent history. Because of the health crisis, many of us have spent more time at home and that’s led us to re-evaluate both what we need in a house and how much we appreciate having a safe space. If you’veContinue reading “Why a Move Could Bring You More Happiness This Year “