Mortgage Lending
Mortgage interest rates are now at their lowest levels in nearly three years. This has led to a surge in applicants seeking to refinance their home mortgage. From the latest data provided by Freddie Mac, the average rate on a 30-year, fixed-rate mortgage fell to 3.75 percent, down nearly a full percentage point from the beginning of the year. Meanwhile, the average rate for a 15-year, fixed-rate mortgage is down to 3.37 percent, the lowest since September of 2016. This is music to the ears of homeowners and buyers alike. Continue reading

When evaluating your personal financial landscape, it can be easy to make assumptions about what you can or can’t do with your money. For example, you shouldn’t buy that brand new laptop, or maybe you can splurge a little bit on a new hoodie. Smaller purchasing decisions are typically easier to determine as they tend to be paid out of pocket. Continue reading

Mortgage Lending
When someone is ready to buy, they often hop in their car and start browsing the local housing stock for their new home. It can be an exciting venture, especially when you’ve found a few in your price range.

But what is your “price range,” really? Do you know what that corner dream house with the covered patio and finished basement will cost you each month? The truth is, the sticker price in the homebuyers guide is just a part of the total housing cost and doesn’t take into account all the other costs and criteria that a lender will be considering when you apply for a mortgage loan.

There are distinct questions a lender has to answer before they can determine what a mortgage payment is going to look like. We’ll discuss these elements over the next couple installments, but for now… we will start at the beginning.

Continue reading

Tradesmen Columbiana Ohio
When it comes to buying and selling real estate, it’s vital to have a great supporting team – not only for your clients, but also for you the Realtor®. You need to be able to rely on your team to get the job done efficiently and effectively, so that your clients have a smooth transaction and transition process. If they do, they are more likely to refer you in the future.

Continue reading

Robo-calling and Realtors®

That Nostalgic Feeling

50+ million people from New York City to Cleveland, Ohio were left in the dark in the largest blackout in United States history. We fell in love with a clown fish on the big screen in Finding Nemo. And, oh yeah, Apple® launched a little thing called iTunes®.

This was 2003. The same year the federal government established the National Do Not Call Registry. It’s that list where you can register your phone number (you can register your number here), putting a stop to those pesky telemarketers and prerecorded voice messages from tying up your landline phone (the days before smartphones). The idea worked… for a little while. Continue reading


Well, six reasons actually. AmeriFirst has an exclusive $2,000 R2K Grant!

Are you feeling cramped from the hustle and bustle of city life? Perhaps living out in the ‘burbs’ isn’t what you thought it would be. If either of these are the case, then we have the remedy for you and your family.

Continue reading