Why refinance? Most times, homeowners refinance their homes in order to take advantage of the current rate environment with the goal of paying less interest over the life of the loan. To put it simply, refinancing can be broken down into revising the loan’s interest rate, terms, payment schedule—typically when the market and your credit […]
Why Refinance Your Home?
Getting A Mortgage When Building A Home
We talk a lot about getting a mortgage for homes that are already built. But what about those buyers who are looking to build their own custom home from the ground up? For this situation, buyers will need to take several extra steps to ensure that they are on the right path and have the […]
What’s The Difference? Earnest Money Versus Down Payment
You have found the home you want to purchase and have put down some earnest money on it. But then you discover that you also have to pay a down payment! What is going on? Was the money you paid previously not the down payment? While both the money you paid for the earnest money […]
Your Guide To Pet Friendly Home Buying
We love our pets and want the best for them. In fact, many pet owners buy homes in order to provide a good place to live for their furry friends. But purchasing a home with a pet is not often as simple as we like to think: There are a lot of details you must […]
What Determines Down Payment?
It is common home buying knowledge that when you purchase a home, you will be putting a down payment on it. A down payment is a payment made in cash that is a percentage of the total home cost. This percentage is typically 20%, though it can vary based on your circumstances and loan program. […]
Renting A Home Versus Buying A Home
Owning your own home is often described as The American Dream. Unfortunately, due to individual circumstances like your financial situation and factors out of your control like the housing market, owning a home may not happen right away. Instead, many people opt to rent a home in the meantime. But is this the right choice […]
When Is It A Good Idea To Walk Away From A Client?
As with any industry, not every client is easy to work with. Perhaps they second-guess every decision or are rude. But at what point is it appropriate to “fire” a client and end your business relationship with them?
Should You Accept An Escalation Clause?
Selling a home is often not the simplest of tasks: You must find a reputable Realtor to help you sell, market the property, obtain an MLS listing, the list goes on. When a buyer makes an offer on your home, they may offer what is known as an escalation clause. Ask yourself the following questions […]
Quick Tips For Selling Your Home On Social Media
Selling your home is a monumental task—especially if you are forgoing a real estate agent and selling on your own (Hint: We recommend hiring a professional real estate agent!). While you want to sell your home through traditional listings, social media may help your home find a buyer faster. Here are some tips to help you sell […]
Do You Really Need Homeowner’s Insurance?
When you purchase a home, you know there is a lot that goes into keeping your investment safe. You had the home inspected, repaired if needed, and know about the area you home is in. All-in-all, everything looks good and surely you don’t need the extra expense of homeowner’s insurance on top of all the […]
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Additional Information
The information provided herein has been prepared by a third party company and has been distributed for education purposes only. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.