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Home Ownership

Signs of a Housing Recovery?

By on June 24, 2013 in Home Ownership with 0 Comments
Signs of a Housing Recovery?

According to a well-known gauge of the U.S. housing market, home prices have been on an upswing. The latest S&P/Case-Shiller 20-City Composite Home Price Index, which was released in May, posted its biggest gain in seven years. This improvement has spurred renewed optimism about housing’s role in the country’s economic recovery.

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Refinancing Your Mortgage

By on March 19, 2013 in Home Ownership with 0 Comments

When you refinance your mortgage, you take out a new home loan and use some or all of the proceeds to pay off the existing one. Today, many homeowners are taking advantage of historically low interest rates and refinancing their mortgage loans. Why refinance your mortgage?

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Should You Pay Off Your Mortgage or Invest?

By on March 16, 2013 in Home Ownership with 0 Comments
Should You Pay Off Your Mortgage or Invest?

Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear is your need to invest for retirement, your child’s college […]

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Reverse Mortgages

By on March 16, 2013 in Home Ownership with 0 Comments

What are reverse mortgages? Older individuals who own their homes often find themselves “house rich and cash poor.” Developed to address this dilemma, a reverse mortgage provides funds–all at once or over time–to an older homeowner by drawing against the equity built up in the residence. Unlike “forward” mortgages, reverse mortgages are not repaid on […]

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Mortgage Basics

Mortgage 101. Taking you from application through the closing.

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If I owe more than my home is worth, will I be able to refinance?

By on February 15, 2012 in Home Ownership, Newsletter Articles with 0 Comments
If I owe more than my home is worth, will I be able to refinance?

Home values across the country have declined, and many homeowners owe more on their mortgages than their homes are worth. When you’re “underwater” on your mortgage, it may be possible to refinance, but it will depend on your circumstances and the type of mortgage you have.

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With mortgage rates so low, does it make sense to refinance?

By on February 15, 2012 in Home Ownership, Newsletter Articles with 0 Comments
With mortgage rates so low, does it make sense to refinance?

Historically low mortgage interest rates have prompted many homeowners to think seriously about refinancing, but there’s a lot you need to consider before filling out a loan application.

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Buying a Home

By on February 12, 2012 in Financing Education, Home Ownership with 0 Comments

Tips on buying a home from what can you afford, what to look for and how to close.

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Choosing a Mortgage

By on January 25, 2012 in Financing Education, Home Ownership with 0 Comments

We review the various mortgage options avaliable and discuss how they work.

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What is title insurance and do I need it?

What is title insurance and do I need it?

Title insurance protects the policyholder (typically the property owner and/or the mortgage lender) against losses that arise from title defects that affect the right to use or own the property. Generally, the title insurer will defend the policyholder and pay monetary damages according to the provisions of the policy. The premium is typically paid in […]

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