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Whether you’re thinking about buying your first home or you’ve been contemplating an upgrade, you probably already know that there are several different kinds of home mortgages, some that seem pretty much alike at face value. FHA, VA, USDA -- what does it all mean?! We’re about to take all the stress out of choosing the mortgage that’s right for you and your family (even if that family is just you and Spot the cat).
It’s the little things that really matter sometimes. The cherry on top of a sundae, the light scent of gardenia on a warm spring breeze and a mortgage that’s assumable are each all about the details, and are sometimes overlooked by people who are in a hurry to get from Point A to Point B. But that assumable mortgage may make your home more competitive if you’re a seller or save you a bundle if you’re a buyer.
It was a dark and stormy night. The lights flickered once, twice and then BOOM! Everything went dark. As it turns out, it’s because a tree fell on your house and pulled down the weatherhead and, accordingly, the main power feed to your home.
Oh, sweet mortgage! You’re just a few mental jumps away from applying for a loan that’ll get you out of the apartment life forever and into a home of your own. Before you darken a lender’s doorstep, virtual or otherwise, you should really put a little effort into polishing your financial profile. After all, the better you look to your lender, the better odds you’ll have of getting a mortgage that you’re not just ok with, but pretty freaking pleased about.
As a functioning adult, you know there’s something about debt that you’re supposed to understand at this point in your life, right? Something about not having too much, or maybe not too much in relation to something else… but frankly, this stuff is kind of confusing and some days you’d just rather take your Visa, buy a pizza, have a massage and then take a nap.
From the moment you started thinking about buying a house, you knew you’d need to start saving. Even though you have a 401(k) that you can use for your down payment, you still have to cover your closing costs and have a little extra put back in case something goes sideways on you right away. Unexpected home repairs are terrifying when there’s nothing in the bank and no home equity to draw from yet.