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jeremykingsbury

Paying Extra Toward Mortgage Principal Pays Off
Paying Extra Toward Mortgage Principal Pays Off 1024 536 jeremykingsbury

Prepaying your mortgage: How reducing your loan principal can lead to big savings. When you prepay your mortgage, it means that you make extra payments on your principal loan balance. Paying additional principal on your mortgage can save you thousands of dollars in interest and…

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30 Years of Certainty
30 Years of Certainty 1024 536 jeremykingsbury

Thirty years can sound like a lifetime when you’re talking about getting a 30–year fixed–rate mortgage. There are so many uncertainties in life and who knows where you’ll be in 30 years. Will you switch careers? Will you move cities? Will you have children? It…

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Should You Refinance to a Shorter-Term Loan?
Should You Refinance to a Shorter-Term Loan? 1024 683 jeremykingsbury

New homebuyers often choose to take out longer term mortgages such as a 30 year term mortgage on their new homes due to the security and peace of mind that a consistent monthly mortgage payment provides. However, a 30 year term can be really long…

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Appraisal Methods
Appraisal Methods 689 460 jeremykingsbury

When you’re buying a home using a mortgage, refinancing your existing mortgage or selling your home to anyone other than an all-cash buyer, the home appraisal is a key component of the transaction. Whether you’re a buyer, owner or seller, you’ll want to understand how…

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Apps for Finding a Great Neighborhood
Apps for Finding a Great Neighborhood 1024 576 jeremykingsbury

A large part of a successful move is finding a good neighborhood. Here’s a few ways to find what pretty much everyone agrees makes up a good ‘hood: Schools: You can view demographics and stats for any school district in the US by navigating to…

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Getting Pre-Approved Should Be Your First Step
Getting Pre-Approved Should Be Your First Step 1024 536 jeremykingsbury

Many potential homebuyers underestimate their purchasing power and overestimate the down payment and credit scores needed to qualify for a mortgage today. Completing a quick and easy pre-approval is the first step in determining all mortgage options available to you. Benefits of being Verified by…

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3 Keys to Owning Your Own Home
3 Keys to Buying a Home
3 Keys to Buying a Home 1024 683 jeremykingsbury

Mortgage guidelines for first-time homebuyers have changed over recent years. In order to ensure loan approval, you need to have everything in order before your application. Credit Credit is very important for the first-time homebuyer. An FHA loan allows a lower credit score, sometimes as…

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Pre-Qualification vs Pre-approval
Pre-Qualification vs. Pre-approval
Pre-Qualification vs. Pre-approval 1024 684 jeremykingsbury

Two often confused terms in the home buying process are a mortgage loan pre-qualification and a home loan pre-approval. Here’s what you really need to know about each one. Pre-Qualification A mortgage pre-qualification is simply an estimate of how much home you can afford and…

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Private Mortgage Insurance
Private Mortgage Insurance 1024 778 jeremykingsbury

PMI, aka private mortgage insurance, is a type of mortgage insurance from private insurance companies used with conventional loans. Similar to other kinds of mortgage insurance policies, PMI protects the lender if you stop making payments on your home loan. PMI can be arranged by…

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Moving Checklist & Planner
Moving Checklist & Planner 1024 555 jeremykingsbury

Let’s face it, moving is stressful. Moving all your belongings from one place to another is hard, and so is relocating your life in general. But, let’s not forget that moving to a new place is an exciting time! We scoured the internet looking for…

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