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Buying a home is a big decision and a big commitment. Even with first time home buyer programs, there is still a lot to learn about home mortgages. By getting the facts about your credit and purchasing capabilities, you can make the best home buying decision for you.
Questions to Consider When Applying for a Mortgage
What will you need for a down payment?
Three to twenty percent of…
Save yourself the regret of buying too early with these basic steps.
Achieve Homebuying Success
There are few purchases in life that carry the financial and psychological weight of buying a home. Whether you are buying your first home, moving up to your dream home, or downsizing your home after the kids have left, it is important to understand the ground rules for success.
Get financing…
So you’re thinking about refinancing your home mortgage – but before you start the application process ask yourself, are you ready? Lenders evaluate whether or not you’re eligible for a mortgage refinance based on a number of factors including your income, credit history, and current home equity.
Before you apply to refinance your home mortgage, take a moment to determine whether or…
With refinancing applications on the rise, the amount of closing time lenders are requesting from borrowers has extended beyond the commonplace 30-day period, sometimes to 45 or even 60 days. Staying on top of your refinancing paperwork is more important than ever.
One delay, missing page, or mistake could jeopardize or stall your application. But don't worry! I've got four tips to help you…
The ability to conduct business, make purchases and bank online has simplified lives. Unfortunately, this means users are required to enter personal and private information that hackers could possibly access.
In 2014, consumers lost more than $800 million from scams initiated through the web, according to the FBI's Internet Crime Complaint Center. While companies that operate online have taken…
Identity theft has become increasingly common as more personal information is available online than ever before. Today there are more than one billion active Facebook users across the globe sharing personal details of their life with friends and family. Unfortunately, some of the personal information posted on Facebook can also be used by cybercriminals to hack your bank accounts or…
Fraud can happen to anyone. From credit card fraud and elder fraud to identity theft and fake check scams, there are a multitude of ways your personal information can be compromised. Although fraud can sometimes be hard to detect, there are ways to help identify potential fraudulent transactions. Consider the following tips to help keep your information safe:
North Country Savings…
With spring approaching, home-related spring cleaning and repairs are on the docket for many homeowners. As you gear up for your upcoming home improvements, questions regarding home equity lending may arise. However, before you dive in and get started, consider these four suggestions for determining what your best home equity borrowing options are.
Ask Questions and Evaluate –…
Your home is your biggest asset. Memories have been made there, investments have been undertaken, and time and energy have been put into making it what it is today.
So when considering whether refinancing your home is right for you, it’s important to understand how doing so will affect both your home and life – because no one wants financial uncertainty in their future. Here are a…
Are you having trouble paying your bills when they are due? Does the problem seem to be overwhelming? If you're deep in debt, here are some actions you may take to improve your financial situation.
#1: Make a Budget and Stick to It
Don't delay taking action. Make a budget right away, and keep track of your spending. Does your income cover your expenses? Is there an expense you can eliminate…