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Getting finance is one of the most important aspects of a home buying process. If you are like most first-time homebuyers, chances are you considering opting for a mortgage for your home purchase. With the variety of home financing options at your disposal as a first-time homebuyer, finding the right mortgage for your home can save you lots of time and money in the long run.

In this article, you will learn more about the various home loan options for first-time homebuyers, their offerings, and requirements in 2020.

Types of Home Loan

There are several mortgage options available to first-time homebuyers in the US…


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Becoming a investment property owner is an easy way to generate regular passive income, diversify your investment portfolio, and build equity for the future. But, unless you have lots of idle cash, you’ll need to get external financing to purchase an investment property. In fact, even if you can buy in cash, borrowing is still an excellent option due to the ample benefits it offers.

Financing an investment property is quite different from financing your primary home or car. Financing for investment property comes in different forms, timelines, and involves specific criteria you must meet to be eligible for one…


Technology has made every aspect of buying what you need easier and more convenient. The housing industry is no exception to the trend. Online quotes and digital mortgages can make your dream of homeownership seem closer to reality than ever before, but the information you receive can be deceiving.

You may have no problem getting approved electronically for a home loan. However, that doesn’t necessarily mean you should jump right in with both feet. The ability to afford a monthly payment isn’t the same thing as being comfortable with a payment plan. …


Owning the perfect home in the perfect city, in the perfect neighborhood is a dream for most. While buying a home is one of the most exciting times in your life, it is a huge undertaking. In fact, a home is one of the largest investments you will make in your life. For many, this can seem like an overwhelming process. This is especially true for those who are financially strapped and have either been declined a conventional loan or believe they will not be eligible for a conventional loan. What most are not aware of is that there are…


Each day, you work hard with the intention to make life better for yourself and your family. You save little by little to fulfill your dream of own a home someday. But do you want to be 50 by the time you have your own house?

One of the best ways to invest in your future is to have homeownership today. It would improve the quality of your life today, and tomorrow. According to experts, homeownership can produce powerful economic, social, and civic benefits that serve the individual homeowner, the larger community, and the nation. …


Many people wonder what the best time of year to buy a home really is. One time that you may not consider when purchasing a home is during the summer season. However, purchasing a home during the summer season can actually work to the buyer’s advantage in several different ways.

The following are 6 great reasons why buying a home in the summer is a great time to purchase a home:

  • The Kids Are Out Of School:

If you are looking to move any distance away from the area in which you live moving towards the beginning of the summer…


Many people believe that they will only qualify for a loan for a mortgage if they have a great credit score. While having a great credit score is a good thing when you are buying a home, to say that you cannot get a home without a stellar credit score is simply not true.

So, if you are someone seeking a mortgage and don’t have the best of credit, fear not. There are loan options available for people with a variety of credit scores.

The Pros To Having A Good Credit Score:

While people with a variety of different credit scores can indeed get approved for a mortgage…


Owning a home is one of the biggest investments you will ever make. That being said, there are times when you may be asking yourself if you should refinance. While some may be struggling to pay their mortgage, others could be trying to pay off their home sooner than expected. There are various reasons to refinance and a cash-out refinance is often considered by homeowners.

What is a Cash-Out Refinance?

A cash-out refinance allows you to refinance your home for more than you owe on it so you can get extra cash at closing. …


Here’s something that may come as a surprise. Did you know that water heating is the second largest energy-related expense in your home? While it’s an unavoidable expense, that doesn’t mean it’s out of your control. Here are some helpful tips on how to reduce your energy bills and take control of your water consumption — without forcing your family to take one-minute showers.

Install Low-Flow Faucets and Showerheads

Low-flow devices decrease the volume of water but increase the pressure. This means you’re saving water, but your shower or dishwashing experience doesn’t feel any different. Look for the Watersense label on faucets and showerheads, and…


Climate control is the largest energy expense of a typical U.S. home. It’s easy to cut back a little on water use or turn off the lights when you leave, but it’s harder to make compromises when the comfort of your family and guests is at stake. Thankfully, there are small and moderate energy-saving changes you can make that translate to long-term savings. Follow these guidelines to help your HVAC unit be more efficient in the heat of summer.

Use Window Coverings to Block Out Heat

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Blocking out sunlight in the summer seems contrary to the airy, bright feel of the season. But if you want your…

Elijah Agor

Elijah Agor, an advocate for vulnerable adults, writer, and a chocolate chip cookie connoisseur.

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