Wilmington, Delaware First Time Home Buyer Mortgage   In a competitive market, it’s important for home buyers to have a great support team.  Recently, a past client referred a coworker to me to help them buy a first home.  We set up a meeting to discuss their goals, finances, and what the right mortgage and…

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A few weeks ago, one of our favorite (and best) Realtor partners in the country, Margaret Rome, reached out to tell us about a home buyer that needed help with a preapproval and purchase mortgage for his first home in Baltimore.   A recent graduate, our customer was moving across country from Minnesota to Baltimore, MD,…

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Is It a Good Time to Buy a House?   This question is one of the most common questions we see from consumers, investors, real estate agents, and many others with interest in the real estate market.  The answer is ‘yes’.  But it also depends on your specific situation, what’s important to you, and where…

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Will Inflation Go Down?   There’s tons of economic jargon being tossed around  headlines these days, and one of the hot topics out there is inflation.  To start, it’s important to understand what inflation is.  When the value of a currency diminishes, the result is inflation – basically, you get less for the same or more. …

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Why Would You Put 20% Down?  Avoid PMI with Less!   In today’s world, PMI is considered a bad word in mortgage financing and home buying, and for good reason.  After all, PMI doesn’t protect a borrower, it protects a lender, and in markets like we’ve recently seen, most of which are appreciating at a…

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Should I Pay Points? When getting a mortgage, one of the most important things to pay attention to is the cost of the loan being applied for.  There are certain loan fees customers can shop for that may be drastically different from one lender to another (for example, origination/discount points, and lender fees) and some fees…

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Housing Affordability   In today’s world of competitive markets, short inventory, and rising purchase prices, things are tough for home buyers (and believe it or not, sellers too!).  With steeply rising prices and bidding wars becoming the norm, it seems the market is unaffordable, and many people are having their hopes dashed by competition and…

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Winning a Bidding War in Today’s Tough Buyer’s Market   From a production and lead generation standpoint, the majority of 2021 has been attempting to navigate the housing market to find creative, outside-the-box ways for buyer’s to compete in today’s marketplace.  With demand competition far exceeding available housing supply, it’s not uncommon for homes to…

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The Biden Tax Credit – A Terrible Idea   Note:  This is a non-partisan opinion on a proposal by the current President.  It is intended to be a 100% apolitical take on policy based on market analysis and data.   The President of the United States has proposed a tax credit for first time homebuyers up…

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