Smart Financial Service

Jan
23
2020

Breaking Down Mortgage Closing Costs
Whether you are buying a home or are refinancing, there are fees required to finalize the loan. We lump all these together and call them closing costs. With refinance loans, the closing costs are a bit less because certain elements are missing (such as title fees, home appraisal fees, and...

Jan
15
2020

The Ultimate Home Shopping Guide for First-Time Homebuyers
Are you buying a house for the first time? Not knowing what to expect can make things unnecessarily overwhelming and daunting. To help reduce the stress of the unknown, we've broken down the timeline to buying a home in this step-by-step guide. Keep in mind that this is just a general...

Jan
10
2020

What to Expect When Buying a Foreclosed Home
Foreclosed homes are some of the best home purchase deals you can find but that doesn’t mean that you should through caution to the wind when considering purchasing a foreclosed home. In fact, some foreclosed homes can end up costing you more money (or headaches)...

Jan
03
2020

2020 Real Estate Trends: Is It a Good Time To Buy or Sell?
Some of the first things we look at when determining a favorable seller’s and buyer’s market are employment, income, and consumer confidence levels. Those 3 points combined with current rates and loan programs give us an excellent sense of how big the opportunity is for...

Dec
26
2019

Saving For A Downpayment: Where To Keep Your Nest Egg
Saving for a downpayment is one of the first steps to buying a home --apart from getting pre-qualified for a mortgage. Starting your savings also requires quite a bit of commitment. It takes discipline to forgo that weekend getaway with friends or reduce everyday purchases like your usual...

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