Savvy Homeowner Tips

How to Eliminate Junk Mail image

How to Eliminate Junk Mail

There are 5 things you can do to dramatically reduce the amount of junk mail and phone solicitations you receive. 

Credit Scoring Explained image

Credit Scoring Explained

A credit score is a numerical representation of your credit worthiness and a factor that will be considered by the lender when they look at your loan application.

Guardian's Guide to Ideal Homes for America's Generations image

Guardian's Guide to Ideal Homes for America's Generations

When it comes to homes, there’s no one size fits all – or in this case, one size fits all generations.

Guardian's Guide to House Hunting with Kids image

Guardian's Guide to House Hunting with Kids

House hunting with children can add another layer of complexity to your search. It is a balancing act; moving can be difficult for both young children and finicky teenagers. When you are house hunting for your family, consider how the home will suit your kids now and in the future.

Seven Factors That Determine Your Mortgage Interest Rate image

Seven Factors That Determine Your Mortgage Interest Rate

Your lender knows how your interest rate gets determined, and we think you should, too. Learn more about the factors that affect your interest rate.

One Thing You Can Do to Take Control of the Homebuying Process and Save on Your New Home-In Any Housing Market image

One Thing You Can Do to Take Control of the Homebuying Process and Save on Your New Home-In Any Housing Market

Homebuying season is in full swing. If you’re a homebuyer or prospective homebuyer, it can feel like a bit of a rollercoaster at times, especially in the current market of rising home prices and a low inventory of homes for sale.

Guardian's Guide to Property Taxes and Your Mortgage image

Guardian's Guide to Property Taxes and Your Mortgage

I love taxes! Said no one ever. 

Paying taxes is like taking a trip to the dentist–it’s a part of life, but we don’t have to be happy about it. Property taxes are no exception. 

Guardian's Guide to What You Need to Buy a House in 2019 image

Guardian's Guide to What You Need to Buy a House in 2019

You are about to embark on one of the most amazing and rewarding experiences that can ever come from spending money: buying a home.

Guardian's Guide to Buying a Smart Home image

Guardian's Guide to Buying a Smart Home

Any home can become “smarter” with the addition of a smart speaker to access Alexa, Cortana, or Siri hooked up to thermostats, light switches, television sets, and the garage door. Add a Ring security system, and a robot vacuum cleaner and your house will probably be the smartest in the neighborhood.

Guardian's Guide to Cutting Closing Costs image

Guardian's Guide to Cutting Closing Costs

Closing on a home is exciting. And expensive! As a budgeting challenge, the thousands of dollars in loan processing fees, settlement services, inspections, and up-front payments collectively known as closing costs is second only to your down payment.

Guardian's Guide to How Much Equity Shot Up in Just One Year image

Guardian's Guide to How Much Equity Shot Up in Just One Year

It pays to be a homeowner—quite a bit, actually. In certain parts of the country, it's even wildly profitable. Cha-ching!

Guardian's Guide to Buying New Construction image

Guardian's Guide to Buying New Construction

Much of today's homebuying advice is geared toward people looking to buy existing homes. However, there is another market segment that deserves sound advice – those looking to buy new construction.
 

Guardian's Guide to the Closing Disclosure image

Guardian's Guide to the Closing Disclosure

You’re about to sign a mortgage loan. It’s a huge financial commitment. What exactly are you getting into? The Closing Disclosure is all about making sure you have a really clear answer to that question, so you can close on your new home with no worries about the fine print coming back to bite your head off.

Guardian's Guide to Underwriting Terms image

Guardian's Guide to Underwriting Terms

How long does underwriting take? Underwriting—the process in which mortgage lenders verify your assets to get a home loan—can last a little as two to three days, but typically takes over a week to finish. Underwriting happens right before you close on a house, so timing can be crucial, particularly if you want to move in by a certain date. 

Guardian's Guide to What You Need to Buy a House in 2019 image

Guardian's Guide to What You Need to Buy a House in 2019

You are about to embark on one of the most amazing and rewarding experiences that can ever come from spending money: buying a home

Top 5 Fall Home Improvement Projects image

Top 5 Fall Home Improvement Projects

It’s the time of year for pumpkin-flavored drinks, football season, and those projects that get your house looking great and ready for winter. Whether you tackle these yourself or hire someone to help, they’ll save you money and could possibly add equity. Get started today!

Thinking About Buying a House in 2018? Here's What You Need to Know image

Thinking About Buying a House in 2018? Here's What You Need to Know

Are you thinking about buying a house this year? We’ve got tools and resources that will help you get your financial house in order as you prepare to look for that perfect place to call home—and shop for a mortgage that’s right for you.