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Will Points Make A Difference?

access_timeFebruary 4, 2022personThierry Roche

Let’s talk about mortgage payments. Some common ways to lower your mortgage payment are to make a larger down payment and to improve your credit score. Improving your credit score is especially important when you’re applying for a mortgage. Here’s another way to lower your payment – buy down the interest rate for the life […]

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Home Prices Are Going Up – And So Is Rent. Let’s Talk About Inflation

access_timeJanuary 22, 2022personThierry Roche

Inflation is a word that seems to be worldwide these days. There’s a big concern in regards to inflation – including inflated prices on our gas, food, necessities and yes, you guessed it, rent. Assets, such as your home or your car, become more valuable over time. During periods of inflation, your home is a […]

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Why APRs Are Higher Than Interest Rates

access_timeJanuary 15, 2022personThierry Roche

We should probably start this with “what exactly is an APR?”. An APR is an “Annual Percentage Rate”, and is a calculation to accurately reflect the cost of the mortgage considering the note rate of interest, financing fees and charges based on the term of the mortgage. APR calculates the interest rate and loan fees […]

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A Realtor May Offer Things You’ve Never Thought Of

access_timeJanuary 6, 2022personThierry Roche

Whether you’ve never sold your home, or you’ve moved multiple times, you may have never stopped to think about what goes into the process of selling. There is more to selling a home than you might think.  More than likely, you may be under the assumption that your home will sell itself currently because, nationally, […]

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Some Information On Soft Inquiries

access_timeDecember 30, 2021personThierry Roche

You’ve probably heard of a soft inquiry, soft credit pull or soft credit check. Why do they happen though? These occur when credit card issuers or mortgage lenders check your credit for preapproval purposes. They don’t impact your credit score because they aren’t attached to a specific application for credit. Soft inquiries may appear on […]

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Mortgage – Start 2022 On The Right Foot

access_timeDecember 22, 2021personThierry Roche

It might be a good idea to start off 2022 on the right foot – let’s get your mortgage paid down faster! If you have a situation where you have a lump sum of cash which can be used to pay down your existing mortgage, you may have several options. If you prepay the principal […]

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Preventing Small Floods In Your Home

access_timeDecember 16, 2021personThierry Roche

So, just a question – when did you last replace your washing machine hose? A general rule of thumb is that a washing machine hose should be replaced about every five to seven years. If you’ve had your washing machine for about that long, and never replaced the hose before, you should probably keep reading. […]

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The Mortgage Saga

mortgage shaking hands
access_timeDecember 9, 2021personThierry Roche

These are some changing times, aren’t they? Loan limits for both Fannie Mae and Freddie Mac are adjusted annually to keep up with the cost of living – but with the appreciation that’s experienced lately in so many markets, it may not be enough. So, what do you do in that case? Qualified buyers can […]

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Credit Utilization and How It Affects You

access_timeNovember 30, 2021personThierry Roche

How much of your credit is available at a given time? When applying for mortgages and loans, a lower credit utilization means that the borrower is not relying heavily on their credit, and also means that they are using their credit wisely. Basically, the higher the percentage, the higher the risk is involved which will […]

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Pay My Mortgage Off Faster? You Can Do It!

access_timeNovember 24, 2021personThierry Roche

Mortgage free – if those words sound like music to your ears, keep reading! It is possible! Some people do consider their house payment to be as basic as a monthly utilities bill, but with some discipline and smart thinking, those words that sound like music now can become a reality. Let’s think about this […]

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Recent Posts

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