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A First-Time Home Buyer’s Guide to Closing on a Home October 10, 2018

You’ve found the perfect home and the seller has accepted your offer. You’ve submitted all the necessary paperwork, your credit has been checked, and now you’re awaiting the final and most anticipated step in the mortgage and home buying process – closing. To empower you in this step, we’ve covered what to expect during closing,…

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6 Tips to Navigate the Current Madison WI Housing Market September 13, 2018

U.S. home prices are soaring and affordable homes are in short supply. Dane County is no exception as real estate agents are seeing an extraordinary demand for homes in the Madison area. Bidding wars between home buyers and increased home prices might make some first-time home buyers wary of purchasing this year; however, we’ve put…

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5 Tips to Improve Your Credit Health August 9, 2018

Your credit score plays a large role in your financial future, especially when it comes to purchasing a home. A higher credit score can help you qualify for home loans with lower interest rates and save you money in the long run. It’s important to understand there is no quick way to fix a credit…

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A Comprehensive Guide to the Top 7 Home Loan Programs June 12, 2018

The prime home buying season has arrived and because we’re currently in a seller’s market, it’s important to understand what’s ahead as you enter the home buying process. Although a mortgage professional will be available to walk you through your financing options, it’s a good idea to understand which loan programs could be the best…

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Top 5 Benefits of VA Home Loans May 7, 2018

You’ve already determined your eligibility for a VA home loan and have reviewed the steps to take to apply. You know a VA home loan is the right option for you, but did you know there are several benefits provided by the Veterans Administration for those obtaining a VA home loan? The following is a…

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5 Tips to Navigate a Seller’s Market April 26, 2018

The lack of homes for sale around Wisconsin is making home buying a challenge this spring. This is because we’re currently in a seller’s market, where there’s a shortage of properties in the face of rising demand, resulting in pricing power for the seller.  In this environment, when a home lands on the market, it’s…

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The 6 Steps to the Mortgage Approval Process March 7, 2018

The prime home-buying season is just around the corner. To ensure you remain competitive in the housing market this year, it’s important to prepare yourself and understand the mortgage approval process ahead of time.  Obtaining a home loan, especially if you’re a first-time home buyer, can be a confusing and overwhelming process. To make the…

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Top 5 Reasons to Buy Versus Rent February 8, 2018

As a renter, it can be tiresome putting your hard-earned money into your landlord’s pockets each month, but it beats paying thousands on a new home each month, right? At first glance, renting may seem to be the smartest and least expensive option compared to buying, but if you’re planning on staying in the same…

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4 ‘Must-Dos’ for First-Time Homebuyers December 18, 2017

You can already see yourself standing at the threshold of your dream home, gleaming with pride as you hold your sparkling new set of keys. You know you’re ready to sign the paperwork and hand your money over for those keys, but have you done all of the research to prepare for your big purchase?…

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5 Advantages to Buying a Home This Winter November 16, 2017

You’ve spent months searching for the perfect home, getting everything organized to prepare for the big purchase. But there’s a problem… it’s nearly winter and prime home-buying season is still months away. The anticipation of waiting till spring is driving you crazy, as you wonder, “Is it really unorthodox to buy a home in the…

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A Comprehensive 6-Step Guide to a VA Home Loan October 16, 2017

You’ve been shopping around for a new home, but aren’t sure of the steps to take to apply for a VA home loan. We’ve developed a simple step-by-step guide and infographic to help get you into a new home this year. Follow these 6 steps when you apply for a VA home loan: Step 1:…

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3 Signs It’s Time to Refinance Your Mortgage September 29, 2017

You’ve been paying your mortgage for a few years, and interest rates go down. Suddenly, you hear everyone talking about how now is the time to refinance your mortgage… banks, credit union, friends, family. And while you’re somewhat familiar with the concept of refinancing, you don’t know if it’s in your best interest to do…

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What Are the Eligibility Requirements for VA Home Loans? August 25, 2017

You’ve already asked the important questions to know whether you’re ready for a new home. And you’ve decided to take that next step: doing your research on the right kind of mortgage for you. However, you may not realize that you could be eligible for a Veterans Administration (VA) home loan and why that might be…

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Sofas, Curtains, Refrigerators, Oh My! Your New Home’s Extra Expenses July 17, 2017

You dream of buying a new home, and if you are a first-time homebuyer, the application process and all of the information needed with it can be overwhelming. But that’s why we’re here. However, there may also be some overwhelming expenses to go along with your new home, and it’s something you’ll want to plan…

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What You Need to Know about HUD’s Reduced FHA Mortgage Insurance Rates June 30, 2017

Did you know the Department of Housing and Urban Development (HUD) reduced annual FHA mortgage insurance premiums earlier this year? The announcement included an outline of the reduction for all FHA loans with closing/disbursement dates on or after January 27, 2017. And at .25%, the change means a savings of $500 annually, or approximately $41.67…

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Online or In-person: Which Home Loan Application Process May Be Best for You? June 19, 2017

You’ve probably heard buying a home will be the single most important purchase of your life. We also know locking in your financing is the key to making sure you get the home you desire. Many of you often ask, is completing a home loan application online a fast and easy process? Or is it…

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3 Questions You Need to Ask Yourself as a First-time Homebuyer June 5, 2017

If you are scanning the real estate ads, and attending open houses as a first-time homebuyer, this is probably a very exciting time for you. But it can also be very frustrating. The inventory of homes for sale is on the down slide, while prices continue to rise. Both give sellers the advantage right now,…

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Why Your Home Loan Application has been Denied and What You can Do about It May 18, 2017

You worked hard to complete the long mortgage loan application process, and while searching for what you hoped could be your perfect place, you found your dream home. You were sure you were all set, but it happened — your home mortgage loan application was declined. Some of it may be explained in your formal…

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