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Mortgage Advice, Real Estate Market Updates, and Home Buying Tips

A Guide for Home Buyers: What to Look for at Open Houses


June 11, 2024

Attending open houses will help you visualize living in that space. Dedicate time to picturing how the home aligns with your personal lifestyle, family and needs. Make sure to rely on your intuition throughout the process and don't hesitate to gather more details or consider alternative options to ensure you discover the ideal home that resonates with your needs and dreams. By prioritizing crucial factors like neighborhood ambiance, structural integrity, and energy conservation, you can confidently select your future residence.

Understanding the Mortgage Application Process


May 2, 2024

Prepare for your mortgage application by understanding your credit score, setting a realistic budget, and saving for a down payment. By gathering all necessary loan documentation beforehand and maintaining open communication with your loan officer you will stay organized throughout the process and ensure a smooth home buying experience. By following these steps and utilizing our checklist, you'll be well-prepared to navigate the mortgage application process confidently and secure the keys to your dream home.

6 Signs It's Time to Sell Your Home


April 1, 2024

Selling your home is a substantial decision that calls for careful consideration. To aid you in deciding if the time is right to sell, we've compiled six key indicators. It's important to remember that every homeowner's circumstances are different, so it's vital to take into account your specific situation, financial readiness, and the conditions in your local housing market when arriving at this pivotal choice. Should you choose to proceed with the sale, seeking guidance from a certified Mortgage Broker can be invaluable in helping you navigate the financial intricacies of your home sale and get prepared for your upcoming real estate journey.

10 Ways to Make Your Home More"Energy Efficient"


March 1, 2024

Many homeowners are interested in minimizing their environmental impact while also making their homes more energy-efficient. This approach not only helps to conserve resources but also saves money over time. If you want to make your home more eco-friendly and cost-effective, consider implementing these ten strategies. Doing so will increase the home's resale value and reduce utility bills.

Exploring Tax Benefits: Are Mortgage Closing Costs Eligible for Deductions?


February 2, 2024

This article provides general information on the tax deductibility of mortgage closing costs. As tax laws and regulations change over time, and every individual's financial situation is unique, it is recommended to consult with a certified tax professional for personalized advice. Onshore Mortgage strongly suggests seeking professional guidance for tax deductions related to mortgage transactions.

FHA Reveals Loan Limits for 2024, Making Homeownership Accessible Amid Soaring Home Prices


January 6, 2024

The Federal Housing Administration (FHA) has released the 2024 loan limits for its Single Family Title II forward and Home Equity Conversion Mortgage (HECM) programs due to the sustained surge in home prices. The adjustments aim to provide access to FHA's low-down-payment financing options, making homeownership more affordable for well-qualified borrowers who might otherwise be excluded from the housing market.