Deciding when it is best for you to refinance can be a very difficult decision. The first thing one must decide before even considering whether you should refinance, is why you want to refinance. Refinancing is the process when a…
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Building a Budget for a Savings Goal
Do you have a specific goal in mind for your financial future? Was your New Year’s resolution to save for a mortgage, a fancy vacation, pay off debt, or create an emergency fund? If it was or you are just…
What impacts what I pay month to month for my home?
For most people, your mortgage and home expenses are the largest part of your budget. Depending on how much wiggle room you gave yourself, any changes in those expense can either drastically impact you or not. Some people do not…
Closing Costs, the forgotten expenses.
Many buyers typically overlook how much needs to be saved for the many fees due when purchasing a home. These fees include closing costs (one-time transactional fees), escrow fees (for continued expenses) and prepaid fees (for continued expenses), which are…
How much do I need for a down payment?
When you are buying a house for the first time it is hard to determine how much you will need stashed away. There are two main things that you will have to save for in advance when buying a home,…