With the rise of shows like “Fixer Upper” and “Flip or Flop,” DIY renovations have become one of the hottest trends with today’s homeowners. But updating your property takes more than a few feet of shiplap and some shabby chic paint — especially if you want your reno done safely, properly, and in an aesthetically [...]
Doesn’t it seem like the first step in accomplishing almost anything is always the hardest? That common paralysis happens to people all the time in a variety of circumstances, especially when decisions can be life-changing. One of those big events under the “life-changing” category? Buying or refinancing a home — something Embrace has a lot [...]
Cash-out refinances are a great way to access money easily and quickly. The strategy essentially replaces your existing mortgage with a new loan — one that’s bigger, pays off your old one, and gives you cash based on the equity you have in the home. (If you’ve lived there a while, that could be a [...]
In "The Pros and Cons of Refinancing," we took a look at the benefits of refinancing and examined the potential costs. When it comes to determining the right time for that first refinance, here are the conditions to you’ll want to consider: Type of mortgage – If you have an adjustable rate mortgage with a 5, [...]
When you own a small business, it can be easy to let your debt get out of hand. Purchasing inventory, paying your employees, and stocking your office or facility with the necessary supplies can all get costly — and when cash flow is irregular, you’re often forced to put those charges on high-interest credit cards [...]
Many homeowners refinance to get a lower interest rate or pay for home improvements, but did you also know you can refinance simply to change the terms of your loan? These types of refinances are primarily used to either shorten the length of the loan (from a 30-year mortgage to a 10-year one, for example) [...]
The housing market is constantly changing, leading current homeowners to wonder whether a new mortgage could save them money. What is refinancing? Mortgage refinancing is a process that pays your initial loan in full and creates a separate new loan with different terms — and it's growing in popularity across the country. Are you one [...]
Rome wasn’t built in a day — and a small business? That’s much the same. It takes time, dedication, and the right resources to grow that little idea into a popular, profitable business, but it is possible. Are you treading water and unsure of how to take your business to new heights? Just don’t have [...]
When interest rates were in a free-fall during the Great Recession, refinancing was a no-brainer. Now, with rates on the rise, deciding whether to refinance requires a bit more thought. This is not to say there aren’t still many good reasons to refinance your mortgage. You just want to be sure you’re clear about your [...]
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