Finances Archives ~ The Military Move

Blog, Family, Finances, Housing, Maintenance, Money, Moving

What Is A Settlement Statement?

November 29, 2023 No Comments

A settlement statement, also known as a closing statement or HUD-1 (Housing and Urban Development-1) form in the United States, is a document used in real estate transactions to outline the details of a property sale. It provides a summary of all the financial transactions that occur between the buyer and the seller during the closing process.

The settlement statement typically includes details such as the purchase price, loan amount, down payment, closing costs, and any adjustments or credits related to the transaction. It also outlines the distribution of funds among the parties involved, including the buyer, seller, real estate agents, and lenders.

The purpose of the settlement statement is to provide a transparent breakdown of all the costs and payments associated with the real estate transaction. It is usually prepared by the closing agent or settlement agent and is reviewed and signed by both the buyer and the seller at the closing of the sale. The form may vary by location, and different countries or regions may have their own specific documentation for closing real estate transactions.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

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If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Finances, Housing, Maintenance, Money, Moving

Do I Need Flood Insurance?

November 1, 2023 No Comments

Whether you need flood insurance depends on several factors, including where you live, your risk of flooding, and your financial situation.

Here are some key points to consider:

1. Location: The most critical factor in determining whether you need flood insurance is your location. If you live in an area prone to flooding, such as a floodplain, coastal region, or near a river, you are at higher risk and may be required to have flood insurance. FEMA (Federal Emergency Management Agency) designates flood zones and can provide information about your property’s flood risk.

2. Mortgage Requirement: If you have a mortgage on your home, your lender may require you to carry flood insurance if your property is in a high-risk flood zone. Lenders want to protect their investment in case of flood damage.

3. Flood Risk: Even if you’re not in a high-risk area, it’s essential to assess your flood risk. Flooding can occur from various sources, including heavy rainfall, snowmelt, storm surges, and dam failures. If you live in a low- to moderate-risk area, you may still choose to purchase flood insurance for added protection.

4. Financial Situation: Consider your ability to absorb the financial impact of flood damage. Standard homeowners’ insurance policies typically do not cover flood damage. If you can’t afford to repair or replace your home and belongings without insurance, flood insurance may be a wise investment.

5. Cost: The cost of flood insurance varies depending on your location and the level of coverage you choose. FEMA’s National Flood Insurance Program (NFIP) offers coverage in many areas, and private insurers may also provide policies. You can obtain quotes to determine the cost of coverage for your specific situation.

6. Government Assistance: In the event of a federally declared disaster, you may be eligible for government assistance, but this assistance is often in the form of loans that need to be repaid. Having flood insurance can provide more immediate and comprehensive coverage.

7. Peace of Mind: Even if you’re not legally required to have flood insurance, it can provide peace of mind knowing that you have financial protection in case of a flood-related disaster.

It’s essential to assess your specific circumstances, consult with local insurance experts, and review FEMA’s flood maps to determine your flood risk. While flood insurance may not be necessary for everyone, it’s a valuable safeguard for those at risk of flooding, and it can help protect your home and assets in the event of a flood-related disaster.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Finances, Housing, Money

Should I Pay For Points When Buying a House?

October 11, 2023 No Comments

Whether or not you should pay for points when buying a house depends on your specific financial situation and long-term goals. Points, in the context of a mortgage, are a form of prepaid interest that can lower your mortgage interest rate over the life of the loan. Each point typically costs 1% of the total loan amount and can lower your interest rate by a certain percentage, often 0.25% per point, although this can vary.

Here are some factors to consider when deciding whether to pay for points:

1. Your Financial Situation:
– Do you have the funds available to pay for points upfront without straining your finances?
– Will paying for points affect your ability to cover other homeownership costs like a down payment, closing costs, and moving expenses?

2. How Long You Plan to Stay in the Home:
– If you plan to stay in the home for a long time, paying for points can make sense because the lower interest rate will save you money over the life of the loan.
– If you plan to sell or refinance the home relatively soon, it may not be cost-effective to pay for points, as you may not recoup the upfront cost through interest savings.

3. Your Monthly Budget:
– Consider how paying for points will affect your monthly mortgage payment. A lower interest rate will reduce your monthly payment, which can be beneficial if it helps you afford the home comfortably.

4. Break-Even Point:
– Calculate the break-even point to determine how long it will take to recoup the upfront cost of the points through lower monthly payments. If you plan to stay in the home beyond the break-even point, paying for points can be financially advantageous.

5. Consult a Mortgage Professional:
– Talk to a mortgage broker or lender to get personalized advice. They can provide you with specific cost-saving scenarios based on your loan amount, interest rate, and the number of points you’re considering.

Let’s look at a situation where it may or may not make sense. Let’s say you are buying a house and you are considering whether or not to pay for points. The mortgage will cost $2,000 a month without paying any points (the par rate). You decide to pay for 2 points and this costs you $3,600 – remember this is just a made-up problem to understand the concept. That 2 points will save you $50 a month on your mortgage (or $1,950).

Should you buy the points? Well $50 x 12 = $600. This is how much you will save in 1 year. But it costs $3,600 total. Therefore, you will need to be in the home for at least 6 years before those points will start to pay off. If you plan to be in the home for over 6 years, you may want to consider it (should you have the funds to do so). If you plan to be in the home less than that amount, then it may not be worth buying them.

In summary, paying for points can be a good financial strategy if you plan to stay in the home for an extended period and have the financial means to do so without jeopardizing your other financial goals. However, it’s essential to run the numbers and consider your individual circumstances to determine whether paying for points makes sense in your particular situation.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Finances, Housing, Money, Moving

How Do First Time Home Buyer Programs Work

October 4, 2023 No Comments

First-time homebuyer programs are designed to assist individuals who are purchasing their first home by providing financial incentives, guidance, and support. These programs vary by location and can be offered at the federal, state, or local level. Here’s a general overview of how these programs typically work:

1. Eligibility Requirements:
– First-time buyer status: Typically, you must be a true first-time homebuyer, meaning you haven’t owned a home in the past several years. The exact definition of a first-time buyer may vary by program.
– Income limits: Many programs have income limits to ensure assistance goes to those who need it most.
– Home price limits: There may be restrictions on the maximum purchase price of the home you can buy.
– Credit score: You may need to have a minimum credit score to qualify for certain programs.
– Homeownership education: Some programs require completion of homebuyer education courses.

2. Financial Assistance:
– Down payment assistance: Programs often provide grants, loans, or forgivable loans to help cover the down payment and closing costs.
– Low-interest loans: Some programs offer low-interest or zero-interest loans to help with the purchase.
– Tax credits: Certain programs offer tax credits that can reduce your overall tax liability, making homeownership more affordable.

3. Types of First-Time Homebuyer Programs:
– Federal programs: The Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) offer loan programs with low down payment requirements and favorable terms for eligible buyers.
– State programs: Many states have their own first-time homebuyer programs that may include down payment assistance, low-interest loans, or tax credits.
– Local programs: Some cities and counties have additional programs to support first-time homebuyers.

4. Application Process:
– Research available programs: Start by researching the programs available in your area and identifying those for which you qualify.
– Apply for pre-approval: Get pre-approved for a mortgage to determine how much you can borrow and what you can afford.
– Apply for the first-time homebuyer program: Submit an application for the specific program you want to use, providing the necessary documentation and meeting any requirements.

5. Home Purchase:
– Once approved for a program, you can start searching for a home within the program’s guidelines.
– Use the program’s financial assistance to cover down payment and closing costs.
– Close on the home with the assistance of a real estate agent and lender.

6. Program Obligations:
– Some programs may require you to live in the home as your primary residence for a certain period to maintain eligibility.
– Others may have restrictions on selling the home or refinancing within a specified timeframe.

It’s important to note that the specifics of first-time homebuyer programs can vary widely depending on your location and the program itself. Be sure to carefully read and understand the terms and conditions of any program you’re considering and consult with a local housing counselor or financial advisor for personalized guidance.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

__________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Finances, Housing, Maintenance, Money

VA Appraisals: What Items Will They Call

September 28, 2023 No Comments

During a VA (Department of Veterans Affairs) home appraisal, the appraiser’s primary goal is to determine the value of the property and ensure it meets the VA’s minimum property requirements (MPRs).

The MPRs are in place to ensure that the home is safe, sanitary, and structurally sound for veterans and their families. Here are some common safety items that an appraiser may call out during a VA home appraisal:

Structural Issues: The appraiser will look for any significant structural problems, such as a sagging roof, foundation issues, or serious cracks in the walls. These issues can pose safety risks and may need to be addressed.
Roof Condition: A damaged or deteriorating roof can lead to leaks and structural issues. The appraiser will assess the condition of the roof and may recommend repairs or replacement if necessary.
Electrical Systems: Faulty wiring, outdated electrical panels, or other electrical hazards can be safety concerns. The appraiser will check the electrical system for compliance with local building codes.
Plumbing Issues: Leaking pipes, inadequate plumbing systems, or water damage can be safety and sanitation concerns. The appraiser will evaluate the plumbing to ensure it is in good working order.
Heating and Cooling Systems: Inadequate or malfunctioning heating and cooling systems can affect the habitability of the home. The appraiser will assess these systems to ensure they are functional.
Water Heater: The appraiser will check the condition and safety of the water heater. If there are any signs of corrosion or other issues, they may recommend replacement.

Mold and Mildew: The presence of mold and mildew can be a health hazard. The appraiser will look for signs of mold and moisture issues.
Lead-Based Paint: If the home was built before 1978, the appraiser will check for the presence of lead-based paint. If found, it must be properly addressed and mitigated.
Radon Gas: In areas known for high radon levels, the appraiser may recommend testing for radon gas and mitigation if levels are elevated.
Accessibility: For homes designated for disabled veterans, the appraiser will assess accessibility features, such as ramps, handrails, and wider doorways, to ensure they meet VA standards.
Safety Hazards: The appraiser will look for any safety hazards, such as exposed wiring, broken windows, or tripping hazards, and may recommend repairs or improvements.
Pest Infestations: The presence of pests, such as termites or rodents, can be a safety concern. The appraiser will look for signs of infestations.

It’s important to note that the specific requirements and standards for VA appraisals may vary depending on the location of the property and changes in VA guidelines over time. If safety issues are identified during the appraisal, they may need to be addressed by the seller or the buyer before the loan can be approved. Veterans and their families should have homes that meet these safety and habitability standards.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

__________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Finances, Housing, Maintenance

Navigating Homeowners Insurance: What You Need to Know

September 14, 2023 No Comments

Homeowners insurance is a crucial financial tool that provides protection for your home and belongings in case of unexpected events. Understanding the key components of homeowners insurance is essential to ensure you have the right coverage for your needs. Here’s what you need to know:

Types of Coverage:

Dwelling Coverage: This covers the structure of your home, including the roof, walls, floors, and foundation. It’s essential to insure your home for its full replacement cost.
Personal Property Coverage: This covers your personal belongings, such as furniture, appliances, clothing, and electronics. Make sure to take inventory and estimate the value of your possessions.
Liability Coverage: This provides protection if someone is injured on your property, and you’re found liable. It also covers damage caused by your pets.
Additional Living Expenses (ALE) Coverage: ALE pays for temporary living expenses if your home becomes uninhabitable due to a covered event, like a fire or natural disaster.

Policy Types:

HO-3 Policy: This is the most common type of homeowners insurance policy and provides comprehensive coverage for your home and personal property. It covers a wide range of perils, except those specifically excluded.
HO-5 Policy: This is an upgraded version of HO-3, offering even broader coverage and fewer limitations.
HO-6 Policy: Designed for condo owners, this policy covers the interior of your unit and personal property.
HO-4 Policy: Known as renters insurance, it covers personal property and liability for renters but doesn’t cover the structure itself.
Coverage Limits: Your policy will have coverage limits for various categories, such as personal property, liability, and ALE. Make sure these limits are sufficient to cover your needs.
Deductibles: The deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premium but means you’ll pay more if you file a claim.
Exclusions and Endorsements: Understand what perils are excluded from your policy. Common exclusions may include floods, earthquakes, and acts of terrorism. You can purchase additional coverage or endorsements for these excluded events if needed.
Premiums: Your premium is the amount you pay for your homeowners insurance. Factors that influence your premium include your location, the age and condition of your home, your credit score, and the coverage limits you choose.

Discounts: Insurance companies offer discounts for various reasons, such as bundling home and auto insurance, installing security systems, or having a good claims history. Inquire about available discounts to reduce your premium.
Claims Process: Understand how to file a claim with your insurance company. Document damage or loss thoroughly and keep all communication related to the claim. Be prepared to provide receipts, photos, and other evidence.
Review and Update: Periodically review and update your homeowners insurance policy to reflect changes in your home’s value, improvements, or changes in your circumstances.
Shop Around: Compare quotes from different insurance providers to ensure you’re getting the best coverage at the most competitive price. Don’t forget to consider the reputation and customer service of the insurer.
Legal Requirements: While homeowners insurance isn’t legally required in most states, if you have a mortgage, your lender will likely require it. Even if it’s not mandated, having homeowners insurance is highly advisable to protect your investment.
Read the Fine Print: Before purchasing a policy, carefully read and understand the terms and conditions. If you have questions or need clarification, don’t hesitate to ask your insurance agent.

Navigating homeowners insurance can be complex, but it’s a critical aspect of safeguarding your home and financial security. Take the time to assess your needs, compare policies, and make informed decisions to ensure you have the right coverage for your home and belongings.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Family, Finances, Housing

The Pros and Cons of Buying New Construction

September 7, 2023 No Comments

Buying a new construction home can offer several advantages, but it also comes with its own set of drawbacks. To make an informed decision, consider the following pros and cons of purchasing a newly built home:

Pros of Buying a New Construction Home:

Customization: Many builders allow buyers to customize various aspects of the home, including floor plans, finishes, and sometimes even the layout. This enables you to create a living space tailored to your preferences.
Energy Efficiency: New homes are often designed with the latest energy-efficient technologies, such as energy-efficient appliances, windows, insulation, and heating/cooling systems. This can lead to lower utility bills and a reduced environmental impact.
Warranty: New construction homes typically come with warranties that cover structural issues and major systems for a certain period (e.g., 10 years). This provides peace of mind and protection against unexpected repair costs.
Modern Amenities: New homes often feature contemporary amenities and design trends, such as open floor plans, large walk-in closets, high ceilings, and updated kitchens and bathrooms.
Reduced Maintenance: Since everything is brand new, you’re less likely to encounter immediate maintenance and repair issues that older homes might have. This can save you time and money in the short term.
Safety and Building Codes: New homes are built to current building codes and safety standards, which can provide a higher level of structural integrity and safety compared to older homes.
Technology Integration: New homes are often equipped with modern technology, such as smart home features like security systems, built-in speakers, and programmable thermostats.

Cons of Buying a New Construction Home:

Higher Cost: New construction homes typically come with a premium price tag compared to older homes with similar square footage and location. You may pay more for the convenience and newness.
Limited Character: Some people prefer the character and uniqueness of older homes, which may have historic charm or architectural details that newer homes lack.
Incomplete Landscaping: Newly constructed homes may have bare yards without mature trees or landscaping. It can take time and effort to create an outdoor space that matches your vision.
New Neighborhood Development: If you move into a newly developed area, it might take time for essential amenities like schools, shopping centers, and public transportation to become available.
Punch List Items: After moving in, you may discover minor issues or incomplete work that need to be addressed. Builders often provide a “punch list” to fix such problems, but it can be inconvenient.
Limited Room for Negotiation: Builders may be less willing to negotiate on price compared to individual sellers of older homes. However, there could still be room for negotiation on upgrades or closing costs.
Unforeseen Issues: While new homes are less likely to have immediate maintenance problems, they can still have construction defects or issues that become apparent over time.

In summary, buying a newly constructed home offers modern amenities, energy efficiency, and peace of mind with warranties, but it can come with a higher cost and potential drawbacks like limited character and incomplete landscaping. It’s essential to carefully weigh these pros and cons and consider your personal preferences and priorities before making a decision. Additionally, conducting thorough research and inspections during the home-buying process is crucial to ensure the quality of the newly constructed property.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Family, Finances, Housing, Moving

Essential Tips for First Time Home Buyers

August 30, 2023 No Comments

Certainly buying a home for the first-time can be an exciting yet daunting experience.

Here are some essential tips to help you navigate the process and make informed decisions:

Assess Your Finances:

Review your financial situation and determine how much you can comfortably afford for a down payment, monthly mortgage payments, property taxes, insurance, and maintenance costs.

Set a Realistic Budget:

Based on your financial assessment, set a clear budget for your home purchase. First-time homebuyers should remember to consider additional costs such as closing costs, moving expenses, and potential renovations.

Check Your Credit Score:

A good credit score is crucial for obtaining a favorable mortgage rate. Review your credit report, correct any errors, and work on improving your credit score if needed.

Pre-Approval for a Mortgage:

Get pre-approved for a mortgage before you start house hunting. This will help you understand your budget and show sellers that you’re a serious buyer.

Work with a Realtor:

A qualified real estate agent can guide you through the buying process, help you find suitable properties, negotiate offers, and provide valuable insights about the local market.

Location and Research:

Research the neighborhoods you’re interested in. Consider factors like proximity to work, schools, public transportation, and amenities.

Prioritize Your Needs:

Make a list of your must-haves and nice-to-haves in a home. This will help you narrow down your options and focus on properties that align with your priorities.

Home Inspection:

Once you’ve found a potential home, invest in a professional home inspection to uncover any underlying issues that might not be apparent at first glance.

Negotiate Wisely:

Don’t hesitate to negotiate the price and terms of the deal. Your real estate agent can provide guidance on making a competitive offer.

Understand Closing Costs:

Closing costs include various fees associated with the home purchase, such as attorney fees, title insurance, appraisal fees, and more. Be prepared for these additional costs.

Read Contracts Carefully:

Review all contracts and documents carefully before signing. If something is unclear, seek legal advice or clarification from your real estate agent.

Future Resale Value:

While buying a home is a personal decision, consider the potential resale value of the property in case you decide to move in the future.

Don’t Rush:

Take your time to find the right property. Rushing into a decision could lead to regrets later on.

Emergency Fund:

It’s a good idea to have an emergency fund in place to cover unexpected home repairs or other financial challenges that may arise after the purchase.

Learn About Homeownership:

Educate yourself about the responsibilities of homeownership, including maintenance tasks, property taxes, homeowners’ association (HOA) rules (if applicable), and local regulations.

Remember that every real estate market is unique, so these tips should be adapted to your specific circumstances and location. With careful planning and research, you can make your first-home buying experience a successful one-

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Finances, Money, Money

Tips for Maximizing the Sale Price of Your Home

August 4, 2023 No Comments

Selling a home is a significant financial transaction, and maximizing the sale price is often a top priority for sellers. Here are some tips to help you negotiate the best deal and get the highest price possible for your home:

Prepare your home: First impressions matter. Ensure that your home is clean, well-maintained, and decluttered. Consider making small repairs and improvements to enhance its appeal. Staging your home can also make it more attractive to potential buyers.
Research the market: Understand the real estate market in your area. Look at recent sales of similar properties in your neighborhood to get an idea of the current market value. This will help you set a competitive and realistic listing price.
Hire a skilled real estate agent: A knowledgeable and experienced real estate agent can be instrumental in getting the best deal. They can provide valuable insights, market your property effectively, and negotiate on your behalf.
Price competitively: Setting the right price is crucial. Overpricing might discourage potential buyers, while underpricing might lead to leaving money on the table. Your real estate agent can help you determine the optimal listing price based on market conditions and comparable sales.

Create a sense of urgency: Buyers may be more inclined to offer a higher price if they believe there’s competition for the property. If possible, strategically time your listing to generate interest and multiple offers.
Showcase unique features: Emphasize the unique and desirable aspects of your home. Whether it’s a stunning view, a beautifully landscaped garden, or modern amenities, highlighting these features can justify a higher asking price.
Be flexible with negotiation: Be prepared for negotiations and be willing to compromise on certain aspects of the sale, such as closing dates or minor repairs. Being flexible can encourage buyers to meet your price expectations.
Disclose all relevant information: Honesty is essential in real estate transactions. Be transparent about the condition of your home and disclose any known issues upfront. Buyers will appreciate your integrity, and it can lead to smoother negotiations.
Consider pre-inspection: Getting a pre-inspection can identify potential problems before listing your home. Fixing these issues in advance can make your property more appealing to buyers and prevent price negotiations based on repair estimates.
Stay informed and patient: Selling a home can take time, and the negotiation process might involve several rounds of counteroffers. Stay informed about market trends and remain patient throughout the process.

Remember that the final sale price of your home will depend on various factors, including market conditions, location, and the level of demand. By following these tips and working with a skilled real estate agent, you can increase the likelihood of securing the best possible deal for your home.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

Finances, Money

Energy-Efficient Upgrades for New Homeowners

July 26, 2023 No Comments

Congratulations on becoming a new homeowner! Energy-efficient upgrades can not only reduce your utility bills but also help you contribute to a more sustainable environment.

Here are some energy-efficient upgrades you can consider:

LED Lighting: Replace traditional incandescent bulbs with energy-efficient LED lights. LEDs use significantly less energy and have a longer lifespan, saving you money on replacements.
Smart Thermostat: Install a programmable or smart thermostat that can adjust the temperature based on your schedule. This helps optimize heating and cooling, saving energy when you’re not at home or asleep.
Sealing and Insulation: Check for air leaks around windows, doors, and other openings. Properly seal gaps and add insulation in attics, walls, and basements to improve energy efficiency and maintain a comfortable indoor temperature.
Energy-Efficient Appliances: When it’s time to replace old appliances, choose energy-efficient models with the ENERGY STAR label. These appliances are designed to use less energy without compromising performance.

Solar Panels: If your budget allows, consider installing solar panels to generate clean and renewable energy. Over time, they can significantly reduce your electricity bills and decrease your carbon footprint.
Energy-Efficient Windows: Upgrade to energy-efficient windows with double or triple glazing to better insulate your home. These windows can help regulate indoor temperatures and reduce the need for heating and cooling.
Water-Saving Fixtures: Replace old toilets, faucets, and showerheads with water-saving models. This can reduce water consumption and lower your water bills.
Energy-Efficient Heating and Cooling Systems: If your home’s HVAC system is outdated, consider upgrading to a more energy-efficient system. Modern heat pumps and high-efficiency furnaces or air conditioners can help save energy and money.

Energy Audit: Consider getting a professional energy audit to identify areas where your home can improve energy efficiency. This will help you prioritize upgrades based on the most significant energy-saving opportunities.

Energy-Efficient Landscaping: Plant shade trees around your home to reduce the amount of direct sunlight hitting your house during hot summer months. This can help lower cooling costs.

Smart Power Strips: Use smart power strips to automatically turn off power to electronic devices that are in standby mode. Many electronics continue to draw power even when not in use, which can be eliminated with smart power strips.
Insulated Water Heater: If your water heater is located in an unheated area, consider insulating it to reduce heat loss and energy consumption.

Remember, energy-efficient upgrades not only save you money in the long run but also make your home more appealing to future buyers if you decide to sell. Start with the upgrades that fit your budget and prioritize the ones that will have the most significant impact on your energy usage.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

What Is A Settlement Statement?

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Do I Need Flood Insurance?

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Should I Pay For Points When Buying a House?

Click here to access our PCS Map

How Do First Time Home Buyer Programs Work

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VA Appraisals: What Items Will They Call

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Navigating Homeowners Insurance: What You Need to Know

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The Pros and Cons of Buying New Construction

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Essential Tips for First Time Home Buyers

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Tips for Maximizing the Sale Price of Your Home

Click here to access our PCS Map

Energy-Efficient Upgrades for New Homeowners

Click here to access our PCS Map