First Time Homebuyer Mortgage Seminar

Ready to begin your homeownership journey? 

5 Reasons to Refinance Today

Higher prices on everyday goods and services are forcing households to reassess their finances and find new ways to save money. While eating out less and canceling unnecessary subscriptions are excellent ways to temper spending, another option might have an even greater impact on your budget — refinancing debts to a lower interest rate. When you refinance, a new loan is used to pay off existing debt.

Home Buying Terms You Should Know

Once you start speaking with mortgage lenders, realtors, and even friends about buying a home, you might feel like you’re swimming in an unfamiliar pool of abbreviations and terms you’ve never heard before. We’re defining some of the most common terms here, so you learn to tell your PMI from your DTI.

Mortgage Pre-qualification: What Is It and Why Does It Make Home Buying Easier?

When you’re ready to buy a house, there is one step you need to take before you start looking at homes — get pre-qualified for a mortgage.

Pre-qualification is the process of going over your finances, so you can see how much mortgage you qualify for. You’ll look at the factors that might affect your ability to get a mortgage, your estimated payments, and whether now is the right time to apply.

Timeline of a Home Purchase

Once you make an offer on a home, how long will it take before you can finally hire the movers and start your new life?

Every situation is different, so we can’t tell you exactly how long it will be to the day, but we can give you some estimates for each part of the process, so you won’t be surprised at how long it takes. (And we know, if it’s taken you weeks or months just to find the right house, waiting even longer seems like a big hassle.)

Stay Safe When Buying a Home: Common Scams Targeting Consumers

Because homes are a high-value purchase, shopping for one or looking for a refinance deal can bring scammers out of the woodwork. A little knowledge of some common scams will help you protect yourself. Here are the things to look out for.

Why a Low-Interest Rate on a Home Loan Matters

Preparing to buy a home while mortgage rates and real estate prices are on the rise can be nerve-racking. With each uptick in rates, you might wonder if delaying homeownership might be the better option. But trying to time the market by waiting until rates or home prices reverse course could result in missing out on an excellent buying opportunity.

While rates are no longer at 2019 levels, they are still considered historically low. Plus, experts predict prices will continue to increase for homebuyers and renters due to the continued housing demand. Here's why securing a low-interest home loan approval is still a good idea — and how you can improve your chances of success.

Tips for Finding Your Dream House in Today’s Market

The housing market may be slightly slowing down, but sales are still moving fast, and sellers still have their pick among multiple offers. Here is what you need to know to find your new home.

Buying a Multi-generational Home

Is it time for your ohana to begin sharing a home? Maybe your parents need to move in to make it easier to ensure their safety as they age. Or maybe your adult kids need a place to live as they start their own families. Regardless of your situation, these are the features you should look for and the questions you need to ask as you merge your family into one home.

Is it time to downsize?

When starting a family or moving from a starter home, you may have thought bigger was always better. But there are times in life when you may be considering a smaller home. Here are some questions to help you decide if downsizing your home is the right option.

Are you Ready to Buy a Home?

With low mortgage rates and rising rents, it certainly seems like all signs are pointing to buying a house. But are you ready? These questions will help you figure out if now is your time to buy.

Steps in the Home Buying Process

Buying a home is such an exciting milestone, but it can also feel overwhelming if you aren’t sure where to start.

You know you’ll be looking at houses, putting in offers, and securing a mortgage. But what else goes into buying a home? How long does it take? What do you need to know and do between house hunting and moving in?

Your first mortgage

As the single largest purchasing decision in most people’s lives, it’s worth taking some time to understand the mortgage process.

4 myths about mortgage loan approvals that keep you renting

Four myths about mortgage loan approvals that prevent renters from becoming homeowners.