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Spring has finally arrived – and as the weather starts to heat up, so does the homebuying market. Before things get too hot to handle, spring marks the perfect time to start preparing to buy a home if you're looking to make a purchase during the hectic summer season. Here are a few tips for getting started:
Save – and then save some more. As anyone who has purchased a home…
Congratulations, you've decided to buy your first home! It's a huge step and arguably the biggest financial decision you'll ever make. While that may sound scary and overwhelming, these tips can help you feel more prepared to become a first-time homebuyer while making the mortgage process a little easier.
Get Familiar with your Credit Report - Your credit…
The market fluctuates, interest rates may increase, and new tax reform means everyone is waiting to see what happens at tax time.
So, why buy a home this year?
Interest Rates Are Still Low – for Now
The past few years have seen some of the lowest interest rates ever for home buyers, but that is starting to change. The Federal Reserve recently raised interest rates by another…
North Country Savings Bank in Ogdensburg, NY is located on the corner of Greene and Caroline Streets and is open five days a week with a 24-hour ATM. Call or visit us to learn more about our banking products and financial services including our EagleNET Online Banking, competitive interest rates and abundant checking and savings account offerings. We understand the importance of giving back to…
Buying your first home is a very exciting time! Crunching the numbers to figure out what you can afford is taxing though. If you follow our Neighbor News column, and have taken our advice, you know exactly what you have after bills are paid, your savings squared away, and your rainy day fund supported. But what else do you need to know before buying a house or getting pre-approved for a mortgage…
Navigating the muddy waters of mortgages alone can be confusing. There are so many new terms to learn, forms to complete, and questions left unanswered. One of those questions: what does it mean to be pre-approved for a mortgage? Brittany Murray, a North Country Savings Bank Loan Expert, was happy to answer that question and others. From pre-approval to the closing table, Brittany is an…
Ready to buy a house? Congratulations! That is a big, exciting step, especially if it's your first home. However, before you can choose the perfect property and start packing your bags, you need to secure a mortgage loan, and there is a lot you need to know about that process. For example: When you submit a mortgage application, potential lenders will take a hard look at your existing debt.…
Your home is more than an investment, it's an asset. Over time, the value appreciates and the equity that builds can be leveraged for a home equity loan. If you've been considering building an addition, making repairs or even a major remodel, read on.
Home Equity Loans
A home equity loan can be fairly easy to obtain if you know what you need at the outset. Follow our steps below to begin…
When you are contemplating doing some work on your property, you need to consider whether it will fall under the category of home repair or home improvement. This is a crucial distinction because home improvements are tax-deductible, whereas home repairs are not.
Home Improvement vs. Home Repair
What is Home Improvement?
So what constitutes home improvement? In its basic form, it is any…
Summer marks a great time for making home improvements. Whether it’s a remodel or you’re just making small fixes here and there, we’ve got some tips on how you can improve your home smartly and cost-effectively.
Budget, Budget, Budget
At the onset of any home improvement project, being realistic about the money you have to work with and whether you’ll need to borrow more will prevent you…