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Avoiding Financial Stress

Kari Breuer April 25, 2024

By asking the right questions and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then, when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are several considerations to be made in terms of finding the best mortgage for each individual:

What type of market are you in? Are the interest rates falling or rising?

Do you want a fixed mortgage rate, where you will always know what your payment is going to be?

What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?

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Where Does the Money Come From for Mortgage Loans?

Kari Breuer | July 26, 2024

When someone wanted a home loan, they walked downtown to the neighborhood bank or savings and loan.

Lead Poisoning

Kari Breuer | July 19, 2024

Buyers will have up to 10 days to check for lead hazards and are likely to stipulate corrections.

Plan of Action

Kari Breuer | July 12, 2024

You do not want to lose the deal because you were lying or diminishing your home’s defects.

Is Buying a Home Still a Smart Plan

Kari Breuer | July 5, 2024

Let’s say instead of spending that $20,000 on a down payment, you invested it in the stock market.

The Biweekly Mortgage - Who Needs It?

Kari Breuer | June 28, 2024

Instead, the biweekly mortgage company is an intermediary between you and your mortgage lender.

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Whether it's your first home or your fifth, I'd love to help.