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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...

Tight Sellers’ Market – Consider New Builds

Tight Sellers’ Market – Consider New Builds

Most of the country is experiencing a very tight real estate market. Inventory levels are historically low, perhaps owing to the concern of strangers traipsing through the home during this time. Additionally, because most people are staying home, they have been able...

Keeping Modern White Kitchens Clean

Keeping Modern White Kitchens Clean

Sleek, white kitchens are one of the most popular trends in interior design. Bright and cheery white tiles, sinks, cabinets, and even appliances are replacing the dark and heavy wood and granite of the past couple of decades. White or off-white makes kitchen spaces...

Working from home? Best home features

Working from home? Best home features

With many major employers now stating that their employees will be working from home for the foreseeable future, many homebuyers have adjusted their list of desirables in their next home. Some not only need to plan for a home office space, but also need to accommodate...

Landscape on a Budget

Landscape on a Budget

How to Landscape on a Budget Landscaping doesn’t have to be expensive. Whether you’re fixing up your yard for personal enjoyment or getting ready to sell, a little elbow grease and some creativity can create a beautiful outdoor space that enhances your home. Draw a...

Considering a Distressed Home?

Considering a Distressed Home?

Considering a Distressed Home?   Homebuyers are always looking for that special bargain. The old saying, “buy the worst home on the best street,” insinuates that buying a “fixer-upper” home can be a great investment. While it’s always important to get the most...

Getting outbid? Strategies to make your offer stand out

Getting outbid? Strategies to make your offer stand out

Summer is traditionally a busy time for buyers and sellers. This year has been no exception—and with lower interest rates, many homebuyers are finding the competitive environment challenging. With multiple buyers competing for properties, even terrific offers are...

Simple Ideas to Refresh Your Master Bedroom

Simple Ideas to Refresh Your Master Bedroom

Simple Ideas to Refresh Your Master Bedroom We’re all spending more time at home these days. With the entire family stuck together, the home has been placed under a microscope. If your master bedroom is not the oasis you wish it were, here are a few simple ideas you...

How to Hire the Right Service Professional

How to Hire the Right Service Professional

The popularity of home improvement television shows has increased the number of home projects. Unfortunately, not everyone is capable of knocking down walls and retiling their kitchen on their own. If you’re one of these non-DIY-ers, you will need to find service...