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How to Buy a Home When You Think You Can’t Afford It

If you’re thinking about buying a home, excitement is one of the first things you’ll experience. But underneath all that enthusiasm, there are certain to be plenty of questions lingering. Here are some common home buying concerns that might come up when you consider if you can afford a home – and six ways to get past ... More

5 Items To Wait To Buy Until After Your Mortgage Loan Closes

It’s perfectly normal to be excited about finally purchasing the home you’ve always dreamed of. Now you’re ready to ditch the hand-me-down furniture you’ve used for years and pick up that new matching bedroom set. There’s only one problem. Your mortgage loan hasn’t closed yet. It’s common to think that buying ... More

Let’s Talk Home Inspection

Buying a home can be a daunting process for anyone, especially if you haven’t done it before. After finding your dream home comes the really stressful part, home inspections. During this process it’s a good idea to trust your gut. Remember, the home has been presented to accentuate its highlights and shadow its flaws. Bringing in ... More

4 Tips To Lower Homeowners Insurance Costs

With the prices for everything skyrocketing these days, every penny counts. This includes your home insurance costs. If you’re thinking of buying a home and need home insurance, here are a few tips on getting quality insurance for a fair price: Tip #1: Use The Same Insurer as Your Car Many companies will offer a significant ... More

3 Quick Kitchen Upgrades To Boost Your Home’s Value

When selling a home, sometimes it’s the little details that get your home on the “yes” list during a buyer’s home search. Homeowners who want to increase the appeal of their residence before putting it up for sale can, within a few hours and with a little elbow grease, perform some do-it-yourself (DIY) kitchen upgrades that ... More

3 Credit Considerations Before You Apply For A Home Loan

Before applying for a mortgage, borrowers need to build a plan for how they are going to manage their credit both going into the mortgage process and as they navigate through it. Lenders like to know that borrowers have a strong likelihood of repaying the loans they take out and, as such, look carefully at an applicant’s credit. Here ... More

From Application to Ownership: How to Manage Your Credit Score.

Before applying for a mortgage, borrowers need to build a plan for how they are going to manage their credit both going into the mortgage process and as they navigate through it. Lenders like to know that borrowers have a strong likelihood of repaying the loans they take out and, as such, look carefully at an applicant’s ... More

Good Habits for a Smoother Loan Approval

With the increased federal and state regulations governing today’s mortgage financing, both lenders and borrowers are having to work within tighter guidelines to secure a loan approval. To improve your loan approval experience, here are some helpful tips and good habits you should keep in mind to help secure a successful loan approval. 1. Monitor and maintain ... More

An Introduction to Conventional Fixed Rate Loans

Borrowers looking for a low, fixed rate that plan on living in the home for a while often turn to the comfort of a conventional loan. If you’re looking to stay in your home for a while, a fixed-rate conventional loan provides the stability of a principal & interest monthly payment that won’t change. Borrowers with ... More

An Introduction to Low Down Payment Programs

With flexible qualifying, help from friends or family and down payments as low as 3%, Summit Mortgage offers a variety of programs to choose from! FHA & Conventional Home Loans Today’s home buyer has several options for affordable, low down payment programs that can help many with different financial situations become homeowners. Both FHA and Conventional loans have ... More

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