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The Equity in Your Home

The amount of equity available for a home equity loan or home equity line of credit is determined by the loan-to-value ratio of the home and the ratio requirements of…
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Time to Refinance?

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home at when you refinance to use for other purposes.…
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Winterizing Your Home: Protecting Your Investment

Winter is fast approaching and with it comes the tendency for many people to hibernate until spring. While you can escape the elements by staying indoors, your home is constantly…
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Down Payment Strategies for First-Time Home Buyers

The idea of buying a first home is exciting. However, coming up with a sizable down payment can feel like an impossible task. That is especially true when many lenders…
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5 Keys to Borrowing to Build Your Dream Home

When it comes to building your home, the right financing is the real foundation that everything else will be built upon. First Federal Lakewood can help you with this all-important…
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Understanding Home Equity

One of the great benefits of owning a home is that as you pay off your mortgage loan you build up equity. What exactly is home equity? Simply put, home…
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Should You Refinance Into a Shorter Term Mortgage?

When mortgage rates are high — and in December 2022, the rate for a 30-year mortgage loan was at 6.27 percent, while the 15-year fixed-rate mortgage loan was at 5.52…
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