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Foreclosure Prevention

Our goal is to keep you in your home, foreclosure will only be considered after all other options have been exhausted. We want you to have the facts about your…

Home Equity Loan or Line of Credit?

Home equity lines of credit often have more flexible repayment terms than a standard home equity loan. Home equity loan payments are typically fixed over the repayment period, while home…

Understanding Your Debt-to-Income Ratio

Your debt-to-income ratio (DTI) is the percent of your gross monthly income that goes toward required debt payments. This number allows potential lenders to see at a glance whether you…

How Home Construction Loans Work

Home construction loans provide families and individuals with the ability to finance new home construction projects. The loan term is usually short, typically lasting one year or less in most…

Five Essential Smart Home Features

“Smart” homes, or homes with features you control from a phone or other connected device, have become extremely popular in recent years. In fact, according to CNET the number of…

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…

Refinancing Your Mortgage

Ready to test your knowledge? You’ll have ten multiple choice questions to answer. Click on each question to reveal the question and multiple choice answers. After you’ve completed answering all…