Get Your Home Back To School Ready It’s that time of the year again! School is almost in session. Even though school may look a little different this year, preparing your home will set you and your kids up for a successful school year! Here are a few tips to help you get back into the swing of things: Invest in a family communication calendar – this helps everyone know what is going on. It can be as simple as getting a blank dry erase board that you hang in the kitchen or office area. Staying aware of
3 Things Lenders Don’t Want to See on Your Bank Statements 1. Non-Sufficient Fund (NSF) charges When you bounce a check or try to buy something without enough money in your account, it will show up on your bank statement as non-sufficient funds (NSF) or overdraft charges. These are a red flag to lenders, automatically they have the impression that you are not responsible with your finances. 2. Large Deposits If lenders see large, undocumented deposits, they instinctively become suspicious of your credibility. It gives the lender the impression that your down payment or reserves may be
8 Perks of Owning Versus Renting a Home Whether you’re moving for a new job or looking for more space, a common obstacle you run into is the debate between renting or buying a new home. You may be thinking that renting has more freedom because you aren't tied down to a mortgage. Or that it will cost less. However, it is important not to turn a blind eye to the multiple perks that come with buying a home. Below are 8 reasons why you should buy instead of rent. Your housing payment is consistent If you can
How’s Your Financial Health? Being financially fit will open the door for many opportunities. Whether you’re looking to purchase a new car, a second home, or even just wanting to splurge on a vacation, being in the best financial position possible, is always a good idea. When evaluating your financial health, there are a few things you should consider: 1. Expenses: Make sure you are keeping track of all your expenses. Evaluate a few ways to cut costs. Having a budget and sticking to it will allow you to see where all your money is going. 2. Savings:
You ‘re gearing up to enter the housing market and looking for the best mortgage for your current financial situation. If you are like most individuals, you started by searching Google to find the best deal and resources possible. Look no further; we have all the tools you may need to assist you at any stage of the mortgage process. The best thing you can do for yourself is to get organized and show any documentation you may be asked to provide. Whether you are purchasing a home or refinancing here is a list of documents your mortgage
What To Do If You’ve Fallen Behind On Your Mortgage So, you’ve fallen behind on your mortgage… it’s not ideal, but it happens. If this is your reality, then you are probably looking for solutions, and we are here to help you! If you don’t know where to start, the best person to call is the Hall Financial mortgage expert who helped you get the loan. As a lender, we are invested in you and your success as a homeowner. We want to see you living in your dream home for years to come. After speaking with your
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