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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
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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…
February 17, 2015

5 Ways You Can Remove Charge Offs from Your Credit Report

In today’s hectic lifestyle, it’s easy to forget to complete some ordinary tasks – and one of those may be paying your bills. You may think that forgetting one bill or two is insignificant in the grand scale of things – but think again. Forgetting about paying one bill can…
February 5, 2015
is my pmi tax deductible

Is My Private Mortgage Insurance or PMI Tax Deductible?

When you think of all of the costs associated with purchasing a home – the down payment, legal fees, closing costs, moving expenses – it’s not a financial endeavor to take lightly. If you obtained a mortgage that was for 80% or more of your home’s purchase price, then you…

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