home appraisal

Home appraisals and assessments: Are they necessary?

As a buyer, seller, or homeowner you’ve heard about home appraisals and assessments used in the homebuying process. Are they both necessary? (more…) ...
ADU

What is an accessory dwelling unit?

An accessory dwelling unit, usually called an ADU, is a secondary housing unit that shares a lot with the primary home on the property. ADUs are helpful if you need extra space for family, visitors, or to generate extra income with a rental. If you have extra room on your property and you’re interested in an accessory dwelling unit (ADU), here’s what you need to know. (more…) ...
shopping for home

Options for homebuyers in a high-interest rate environment

We’re always looking for ways to make purchasing a home more affordable. When interest rates go up and cause higher mortgage costs, some borrowers may feel like they can’t afford to buy a home. If you’re in the market for a new home, know that you do have options! (more…) ...
selling home

4 tips for buying and selling a home at the same time

Looking to upgrade your home for your growing family? Or maybe you’re an empty nester wanting to downsize. Whatever the case may be, buying a new home can be stressful enough without adding on the sale of your current one. To reduce stress and help you through the process, the agents at SmartMortgage.com, along with your real estate agent, are with you every step of the way. Here are four tips to keep in mind: (more…) ...
self-employed mortgage

Qualifying for a mortgage when self-employed

If you are self-employed and looking to buy a home, you may have heard that it is more difficult to get financing. That isn’t necessarily the case. The truth is that lenders consider the same criteria for each borrower. They will still ask for your work history, income/debt verification and other necessary documentation.  Here is an overview so you’ll be better prepared when the time comes. (more…) ...
buying a home

4 essential tips for finding the right neighborhood

Where you buy a home is just as important as the property itself. Remember, the home isn’t in a void—you’ll have neighbors, a commute, and amenities to think about. Prioritizing your “must haves” will make your decisions easier and help you find a home you’ll be happy with over the long term. (more…) ...
profitable home improvements

Profitable home improvements to make before selling your home

Getting ready to sell your home? Now is the time to take a long, hard look at the benefits of making some home upgrades before you put it in the market. After all, you want to be able to sell it for more than you bought it for. (more…) ...
buying a home single

4 tips for buying a home as a single buyer

When you’re a single homebuyer moving on from renting, buying a home is much the same as purchasing with a spouse or partner. Single buyers like you are very common, and lenders are more than happy to work with you to find a loan that works for you. Before jumping into buying a home as a single buyer, remember these four tips: (more…) ...
home ownership

Should I buy a home or continue to rent after my lease expires?

If you’re currently renting a home and your lease is up, it’s important to look at your situation and decide if you want to stay where you are or take the leap into homeownership. Whatever you decide to do, it’s important to ask yourself these questions before your current lease expires: (more…) ...
conventional mortgage

What is private mortgage insurance?

Private mortgage insurance (PMI) is usually required for conventional loans when you put down less than 20% of the home’s purchase price. This is designed to protect the lender if you stop making payments. (more…) ...

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.

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