Our friends at Allstate offer these 6 tips to help you prepare for Tropical Storm Erika. 1. Check your insurance coverage to make sure it reflects the current state of your home. Consider adding flood insurance and coverage for additional living expenses in case your home is uninhabitable after a storm. 2. Doing a home inventory can…
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Some borrowers can qualify for a 100% LTV Mortgage Loan. Here’s how it works. The 2015 housing market is building on last year’s positive momentum. Demand for homes continues to outpace supply. This is leading home values higher; and multiple-offer situations continue to be common nationwide. Thankfully, mortgage guidelines are loosening and some borrowers can qualify…
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Combine Your Tax Refund With Historically Low Mortgage Rates to Get a Great Mortgage. Thinking about using your tax refund toward a down payment? Good thinking! Mortgage remained down yesterday, offering borrowers another chance to lock in historic lows. Here are rates as of April 15, 2015. Mortgage Rates 30 yr. fixed rate 3.66 0.04 15 yr. fixed…
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Are you thinking of selling your home this Spring? Zillow and Trulia say Spring is the best time to sell. “It’s still predominately a seller’s market, but less so than the last year or two,” said Stan Humphries, Zillow’s chief economist. “Some advantages are moving back to buyers but largely and broadly …it’s still favoring…
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Happy St Patrick’s Day from Seaside Home Loans! In the midst of the green beers and bad attempts at Irish accents today, you might wonder for a moment, what’s this St Patrick’s Day tradition all about? A fun account appears in The Independent today, replete with the expected Irish clichés and green beer homages. Enjoy! Who was…
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Understanding why rates go up and down will help us help you lock in the best rate at the right time. Just about everyone understands that mortgage rates fluctuate but few people understand why or more importantly, how to use market fluctuations to their advantage. Walter Bianchi, founder of Seaside Home Loans and a licensed mortgage broker, says…
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Money you can take to the bank — or wherever you like. New rules reducing the costs of required FHA mortgage insurance mean it’s cheaper to get an FHA loan. That savings applies to new loans and mortgage refinances under a new program that reduces the cost of an FHA loan by reducing the mortgage…
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Higher incomes could boost home sales. More on 2015 real estate trends. More households report their income is higher than it was a year ago and expect their financial situation to continue to improve, according to Fannie Mae’s January 2015 National Housing Survey. This could be good news for buyers and sellers, with buyers gaining financial muscle and sellers enjoying…
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