Shipping-Container-Life

Shipping containers; you seem them, a lot. From on the road to rail and water, these large steel containers appear as giant Lego blocks, packed with goods that keep us and the world moving. It brings us to the question, have you thought about what’s inside of them? Or better yet, did you ever imagine living inside of one? Okay, chances are the idea has never crossed your mind, but calling a container home is very real.

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Closing timelines are not only related to the type of loan, but also the buyer’s preparedness. A smart first step is a pre-approval strategy meeting, ensuring you will become educated about the home buying process. Being mentally and financially prepared can simplify the process, and will assuredly instill some confidence. Mortgage loan milestones differ depending on the type of loan. And while it’s not extremely common, closing loans in two weeks can happen. Recognizing our Boardman team’s efficiency, folks recently made loan application on March 2, and closed March 15. That’s 13 days – that’s fast! And that’s an understatement. Typically speaking, 30-60 days is an appropriate timeline. Organization of credit, financial documents, and simply being mentally prepared promotes efficiency. Want to close fast? Get educated. Ask us how.

Well I suppose you can compare mortgage rates, however, comparing loan programs and/or mortgage companies based on an advertised rate is quite near-sighted. One mortgage ad might say “4.5%” and another “4.25%.” But the 4.25% option is not always the better option. One might ask, “are there other fees involved?” “Is this the right mortgage person, or company, for me?” “How reliable is this lender?” Dependability of the loan program and its purpose is also important to consider. Another factor could be the condition of the home. Carrying costs, known as maintenance and utilities, account for the second largest expense in home ownership. A minor difference in rate between loan programs may afford you the ability to involve improvements or repairs within the loan. Doing so limits exposure to long-term consumer costs. And while interest rate is important, it is more important to fully research options versus going off of a single ad. Learn about mortgage money, ask us how.

The housing market is growing, especially here in Northeast Ohio. In 2017, home sales across the region rose 1.6% with annual average sale prices increasing 6%. Sure, this is great news! But, the rise in sales has created a bit of a shortage in terms of available properties. Prospective homebuyers are now getting crafty with their tactics, including one of the best-kept secrets in the market today. Continue reading