As we roll up on the first day of fall 2018, it's a good time to take a look at where we are in the real estate and mortgage marketplaces. Where are we? And where are we going? For the past several years it has pretty much been just going through the motions. Sure, technology [...]
If you’re homeowner then you likely know about home insurance. One of the most important documents you needed to have for closing was a home insurance binder. What you may not have heard about, however, is a home warranty. We’ll look at both — home warranty vs home insurance — so you can fully understand [...]
Best. We are all constantly peppered with "best" lists. Best places to live, work, and play are pretty common. Maybe even "best" mortgage company. Embrace has an atrium full of what we consider well-earned "best" award banners. All of those "best" lists can be somewhat subjective — but that is fine with us. The objective [...]
The property tax deduction is one of the biggest benefits of homeownership — even with the latest tax reform. Though new tax laws cap the deduction at $10,000, the large majority of American homeowners fall under this threshold, meaning they can deduct the full amount of their property taxes year after year, for as long [...]
Buying fixer-uppers are a super popular move nowadays — especially given the rise of shows like “Flip This House” and “Fixer Upper.” Not only do fixer-upper properties usually come at a lower prices than move-in ready ones, but they’re also just fun projects. Gung-ho homeowners can dive in, DIY to their heart’s content, and truly [...]
The real estate industry is constantly in flux. New technologies are emerging every day, and trends, prices, rates, and everything in between change just as often. Unless you’ve got a ton of free time (or it’s your job, like me!), following all these headlines can be pretty difficult. And gleaning just how each bit of [...]
Think housing prices in your market are bad? Other places in the world have it even worse. In fact, New York City was the only city in the U.S. to make it on Money Inc.'s list of the "20 Most Expensive Cities to Buy a Home in the World." The other 19 cities were all [...]
Most people would love to own a home, but the reality is that a majority of us simply can’t pay for a home with cold hard cash. In fact, for many people, even saving up the funds for a down payment is a hefty burden in and of itself. To make it possible for people [...]
What if George Jetson, his boy Elroy, daughter Judy, and Jane his wife were looking for a mortgage? (Forget about the fact that their home wasn't really attached to any actual real estate or that they supposedly live in this futuristic utopia where mortgage difficulty shouldn't exist. Nothing's perfect.) In the process of getting a [...]
From a young age, many of us are taught not to take on any debt — that it's best to pay in cash and only spend what you already have. A big issue with the cash-only mindset, though, is that it doesn't help you build your credit. When you reach the point in life where [...]
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