Home Buying Free Resources

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May 15, 2018

Give Your Home a Little Lovin’ with a 203K Loan

So you’re in the market for a home. You see your dream home with 4 bedrooms, 3 bathrooms on a cul-de-sac with that gorgeous backyard deck. Picture this: you and your family having barbecues, snuggling on the couch on colder nights, and creating culinary masterpieces in the large kitchen. But…
May 10, 2018
Real estate offer

6 Tips for Overcoming Real Estate Offer Rejection

If you are a home buyer, here are some questions for you: How many houses have you viewed? How many open houses have you attended? Now the final question: has your real estate offer ever been accepted? That’s probably a big fat nope. If you have experienced this scenario, then…
February 15, 2018
current interest rates

Current Interest Rates = Time to Buy a Home

When it comes time to buy a home, there are certain factors you add into your affordability equation. First, there’s the price of the home. There’s also the closing costs. And moving costs. Plus the home inspection. And you definitely cannot ignore the current interest rates. Interest rate: This is…
February 5, 2018
Scam alert on a keyboard

Wrong Ways to Get Your Credit Score for Mortgage Lenders

Don’t be fooled – ‘Free’ Credit Report Offers vs. Credit Score for Mortgage The word ‘free’ is always a word that catches the eye. It is very effective bait. Bait and switch that is when it comes to credit reports. Many (or most) are actually scams that will snag you with…
January 24, 2018
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Say Goodbye! How to Get Rid of PMI

The Skinny of Private Mortgage Insurance Buying a home: you scrimp, you save, you sacrifice, and eventually, you get approved for a mortgage! And while there are many different costs associated with buying a home, some people may need to pay for Private Mortgage Insurance (PMI) on top of everything…
August 3, 2017
What does a mortgage underwriter look for?

What Does a Mortgage Underwriter Look For?

Buying a home – you know the deal from your end. But there is much more to buying a home that just the budget and home search. Do you know what happens after you talk with a loan officer and provide the paperwork for your application? It falls into the…
March 14, 2017
first time home buyer benefits

Complete List of Available MA & RI First Time Home Buyer Benefits

Update: As with any program, the powers that be regularly review their first time home buyer benefits to make sure that they meet the needs of their residents. The list below is an updated list of the original list, published in June 2015. Also note that the locations may also…
January 7, 2016

FAQ: Are Closing Costs Tax Deductible?

The Benefits of Home Ownership Whether it is the luxury of space or the beauty of privacy, there are many intangible benefits of owning a home. But home ownership has its financial benefits as well. In addition to reducing your cost of living expenses when you are older, you also…
August 11, 2015

How a 1% Increase in Interest Rate Affects Your Home Purchasing Power

  You’ve seen the advertisements, news reports, posts on social media and maybe you have even said these words, “The feds are planning to increase rates, so you better buy a home now.” But, what does that REALLY mean and how does that affect your home purchase power? So, let’s…
June 2, 2015

The Ultimate List of MA & RI First Time Home Buyer Program Resources

Introduction Buying a new home is a giant financial step – but one you do not need to make all by yourself. There are many programs in Massachusetts and Rhode Island aimed at helping you meet the dream of home ownership. You may be eligible for a first time home…

Learn More About Available Programs

FHA 203(k) Loan Free Resources

FHA 203(k) Loan

Let’s you borrow money to fix the house

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VA Loan

Loans for those who have served our country

Providence Rhode Island Art Houses

Conventional Home Loan

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RI Housing Loan

100% financing options available