Organize Your Pantry

Organize Your Pantry

The kitchen pantry is one of those areas that can quickly become a mess. Older cans and boxes keep getting pushed to the back and forgotten. How many of us have found cans of green beans dating back a decade or two during a spring cleaning? Or a box of crackers that...
What is Manual Underwriting?

What is Manual Underwriting?

Manual underwriting is how all loans were evaluated before computer algorithms took the human logic out of the process. Simply stated, a loan that is manually underwritten is one where a person evaluates the file for the borrower’s ability to make the loan payments....
Downsizing Made Easy

Downsizing Made Easy

If your lifestyle has changed with time and you’re ready to ditch the big house for a smaller, more manageable home, it might be time to downsize. Deciding to shift to a more care-free dwelling is easy – determining where to begin is much harder. The accumulation of...
Budgeting For Closing Costs

Budgeting For Closing Costs

Saving for a down payment in preparation for buying a new home is pretty common knowledge. With the mortgage meltdown, most mortgages that allowed zero down payments disappeared. While FHA and VA loans still offer little to no money down, most potential homebuyers...
Preparing Your Home for  a Virtual Tour

Preparing Your Home for a Virtual Tour

Technology is helpful in so many areas of life, even real estate. Twenty years ago, if someone were moving across the country, they’d have to wait to buy a house until they arrived to start their new life, or they’d have to buy a home without seeing it in person...