6 Best States for First Time Homebuyers

Saving up enough money to buy a home can be challenging for most anyone, but that burden is particularly heavy for first-time homebuyers. Just coming up with the whopping twenty percent down payment.  Over half of Americans do not even have one thousand dollars in savings much less fifty to eighty thousand lying around for a down payment.

The good news is you may not necessarily need the full twenty percent down if you are a first-time homebuyer.  The average down payment is more around eleven percent, and among buyers under the age of thirty-five, it is even lower at around eight percent.  However, even at eight percent in some areas like Los Angeles, San Francisco, or New York City eight percent is can still hover around forty to fifty thousand dollars.

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Prepping to Buy a Home

If you are a buying a house for the first time, you must prepare for some additional, unexpected expenses. When buying a home, there are almost always additional costs you will incur that you had not thought about before buying.  We know you were excited because you found that ideal home at the right place in the right neighborhood with almost all those features you had on your checklist.  Be careful though because you do not want to end up paying a ton of money unexpectedly right after you move in.

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4 Great Cities for First Time Homebuyers

Looking for a great city to settle down and start a family can be a hard task.  First-time homebuyers need security and long-term investment to feel comfortable buying.  As we all know, the housing market has its highs and its lows, and that is just the normal cycle.  There is always a stretch where the market rises, and we enter a seller’s market followed by a shorter stretch where the market tends to favor the buyers. This fluctuation in the housing market can make buying a home somewhat daunting for first-time homebuyers, especially when the real estate market is so hot.  First-time buyers are looking to buy in a city where they can settle long term, but often wonder if the market is too hot to buy.  So hot in fact that they are forced to look all across the country looking for a city with fair home prices and a solid job market.
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mattress care

Mattress Care: Flip or Rotate?

You probably grew up thinking that flipping your mattress was the best way to prolong its life and help you stay more comfortable as you sleep away the nights.  Anytime the subject of mattress care came up, you probably heard this story repeated by family members and friends alike.  Surely that many people with the same suggestion could not be wrong, right?  Well, it turns out that flipping your mattress might not be the best thing for your health or your bed.

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Rent-to-Own a Home in San Diego, CA

San Diego, CA is one of the fastest growing cities in the USA and is the second largest city in the great state of California.  There is no other place in the United States with a similar blend of culture, weather, and economic opportunity than beautiful San Diego, California.  No amount of text in an article can genuinely describe San Diego the justice it deserves; it is just one of those places you have to experience yourself.

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Getting Back into Shape this Spring

As humans, we typically like to lounge about in the colder, winter months. We also want to binge eat our favorite comfort foods and prefer to stay indoors to avoid the brisk air outside. The winter months also bring two holidays which come with the traditional full course, or more, dinners.  It is no surprise we all put on a ton few extra pounds of weight as we both celebrate and virtually hibernate during the winter season.

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Improving your Credit Score

Repairing and improving your credit score is one of the smartest things you can do, but it’s not easy, and it takes time.   If you are going about it the right way you can fix a credit score in about six months, there is no quick fix for having bad credit.  After all, it took you years to create the credit problems you have so you cannot expect to correct it quickly.  If you want to learn how to repair your credit the right way, then check out these tips we’ve provided for improving your credit score.

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How a Cosigner’s Credit Score can Affect your Home Loan

When buying a home with a co-borrower, it is essential to know how both of your credit scores can affect your loan. We are going to address issues such as how much the credit score of each borrower affects the loan? Does having a cosigner change how much we can borrow? What about the interest rate? There are numerous areas of confusion around these topics and many others on the subject of home loans with more than one borrower.
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