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Five Questions To Ask a Loan Officer when Buying a Home

Posted 10/14/2016 by admin

Before you begin house hunting hear are some questions you want to be sure to ask.  Potential Homeowners looking to finance a home purchase will want to be sure to ask the following questions. Who will work with me throughout the loan process? At Embrace Home Loans every customer has a dedicated Mortgage Specialist who will work with them from application to closing. Your Embrace Mortgage Specialist will keep you up-to-date as your loan moves through the process and assist you in pulling to...

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Three things to consider when refinancing

Three Things You Need To Consider Before Refinancing Your Mortgage

Posted 10/11/2016 by admin

A mortgage loan refinance is a great way to lower monthly payments and free up much needed cash. In order to determine whether a refinance is right for you, there are several factors to consider. Your Embrace Mortgage Specialist can help you determine whether you should refinance and just exactly how much money you can save each month. 1. How much will I save on my monthly payment? It depends on the type of refinance you’re looking to do. Refinancing to take advantage of a lower interest r...

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How to refinance a house

How to Know Which Home Loan Is Right For You

Posted 10/10/2016 by admin

1. Are you a first time homebuyer? & What is your credit score? First time homebuyers have a number of options available to them. There are many low down payment financing options available. FHA loans generally have a lower interest rate for qualified buyers. There are state and local down payment assistance programs. Some programs allow for down payments in the form of a gift. FHA loans are ideal for borrowers with less than stellar credit. Borrowers with excellent credit scores can get bet...

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How to Buy a house at the end of the pier

How to Know If You Should Refinance Your Mortgage Or Not

Posted 10/07/2016 by admin

Some important questions to ask before you refinance. 1. Why are you considering a refinance? There are several good reasons to refinance. A lower interest rate can save you thousands of dollars over the life of your loan resulting in better cash flow and a lower monthly payment. Debt consolidation can also save you money by combining high interest credit card and other loans payments into a single lower monthly payment. Refinancing can also allow you to tap into the equity in your home and take...

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Ski house in the snow

Five Questions To Ask Before You Refinance Your Mortgage

Posted 10/07/2016 by admin

Homeowners looking to refinance an existing loan will want to be sure to ask the following questions. Who will work with me throughout the loan process? At Embrace Home Loans every customer has a dedicated Mortgage Specialist who will work with them from application to closing. Your Embrace Mortgage Specialist will keep you up-to-date as your loan moves through the process and assist you in pulling together the necessary documentation. What is the interest rate, how is it determined and will the...

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Three things you need to know before you buy

Three Things You Need To Know Before Getting A Home Loan

Posted 10/07/2016 by admin

If you’re considering buying a home, or refinancing an existing mortgage you want to be ready when you meet with your Embrace Mortgage Specialist. Here are three things you should know. 1. Your credit or FICO score - Designed to provide lenders with an objective assessment of a potential borrowers ability to repay, the FICO Score was introduced by Fair Isaac and Company. You actually have three credit scores, one from each of the three major credit bureaus, Experian, Equifax, and TransUnio...

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Credit report rating

Get a Lower Interest Rate with a Better Credit Score

Posted 04/18/2016 by admin

The better your credit the lower interest rate you’re likely to get. Why? In a word – risk. The higher your score the less risk you represent, the more willing a lender is to finance your mortgage. It is that simple. However, getting and maintaining a good credit score isn’t always so easy. If you’re afraid your score will land you a loan with a higher interest rate, here are things you can do improve your score.  First things first - Get a copy of your credit repo...

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Family on a Swing

Patios and porches

Posted 04/15/2016 by admin

In a world before the internet there was a time -  some might say it was mythical perhaps, but there was a time when neighbors met to catch up on the latest local news or maybe to discuss an upcoming local election over a white picket fence. In the evening whole families would sit out on the front porch and greet their neighbors walking past. The porch was a retreat, a place to cool off long before air conditioning was ubiquitous. It provided shelter from the elements and screened in, serve...

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Bare Feet on Wood Floor

About Hardwood Floors

Posted 04/14/2016 by admin

There is nothing like a beautiful dark mahogany or golden oak solid hardwood floor. The way its polished surface catches the light adding depth, dimension, warmth and charm to a room. In the 80’s and 90’s a whole generation of new homeowners experienced the thrill and beauty of solid hardwood floors, stripping away the orange and green wall-to-wall dappled shag that had  reached its height of popularity in the 1970’s. Hardwood floors are resilient and long lasting. They do...

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Kitchen Farmers Stone Sink

A Quick Guide to Countertops

Posted 04/13/2016 by admin

Multiple factors need to be taken into consideration when choosing a countertop for your kitchen. Aside from the aesthetic considerations of color and style, cost, durability and maintenance are key. Here’s an overview and a place to start: Traditional Marble - Certainly the most expensive and considered by many to be the most desirable. While nothing quite matches the veined beauty of marble, it can stain and it does requires care. Granite - By far the top choice in recent years. It&rs...

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