New Mortgage Simulator could improve your score before applying


You can now preview what small changes to your credit could affect your score so you can qualify for a better mortgage.

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Annual Advisory

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Homeownership is a privilege and a responsibility. Even after decades of owning a home, you may still need some help to handle some of its challenges by focusing on the three "M"s of homeownership: maintenance, minimizing expenses and managing debt and risk. While many people recognize the benefits of annual wellness, financial, vehicle and equipment maintenance visits, an important checkup that you may not have considered is an annual homeowner advisory or real estate review. Why would you treat the investment in your home with less care than you treat your car or your HVAC system? Consider exploring the following: Do you know the current value of your home? (You can, by obtaining a list of comparable sales in your immediate area, as well as what is currently on the market for sale.) Have you compared your assessed value for tax purposes to the fair market value in order to possibly reduce your property taxes? Even if you've refinanced in the last...
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"Do you feel lucky? Well, do ya?"

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You may remember the famous line in the Dirty Harry movie when Clint Eastwood has just had a shootout with bank robbers and is standing in front of the lone surviving thief who is considering going for his gun. Harry with his gun pointed at the bad guy says to him " " Did he fire six shots or only five? Well, to tell you the truth, in all this excitement, I kinda lost track myself. But being this is a 44 Magnum, the most powerful handgun in the world and would blow your head clean off, you've gotta ask yourself one question:  Do I feel lucky? Well, do ya?"  Our economy has had a long recovery from the great recession, due in most part to the housing crisis of 2007-2009.   Then, the Pandemic hit in 2020 which tanked the worldwide economy but the surprise to homeowners happened to be housing.   2021 became a red-hot market with prices going up by 21% nationally.   In 2022, mortgage rates have increased by four percentage points and ...
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Grilling Safety

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More people grill in July, June & August than any other months and correspondingly, there are more injuries, as well as fires, due to grilling accidents in those months. Even though Labor Day is in September, we still need to be aware of safety. Close to 20,000 patients per year visit the emergency room due to injuries involving grills.   Approximately half of the injuries involving grills are thermal burns.   If you are around fire, there's a chance of getting burned.   About 2/3 of American households own at least one outdoor barbecue, grill or smoker.   Interestingly, gas grills contribute to more fires than charcoal grills.   In addition, there are over 10,600 home fires started by grills each year. While grilling is associated with celebrations, good food, fun and friends, it is important to make sure that accidents don't interrupt your activities.   Only use BBQ grills outdoors and in ventilated areas Place the grill away from ...
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