1. Four Life Changing Tips for Maintaining Good Credit

    Maintaining a healthy credit score is as important as taking care of your personal and physical health. A credit score can affect you in all areas of your life — applying for a new job, taking out a home loan, purchasing a car and even purchasing insurance. A credit score is a rating assigned to […]

  2. We’ve Brought a Better Way to Hampton Roads

    After nearly 20 years operating out of our Richmond-based headquarters, we’ve recently opened a new office in Virginia Beach. We’re not strictly new to the Hampton Roads area, though. As a licensed mortgage lender throughout Virginia, we’ve served clients in Hampton Roads’ communities for years. Now we’re hoping to help even more homeowners in the […]

  3. Buying in a Seller’s Market

    If you’re currently in the market to buy a home, then you may find you’re participating in what is commonly referred to as a ‘seller’s market’. A seller’s market is a scenario where buyer demand is outpacing the current housing supply (number of homes for sale). This type of environment breeds stiff competition where being […]

  4. Does a Home Warranty Make Sense for You?

    What is a Home Warranty? A home warranty is a service contract designed to help pay for the repair or replacement of major home systems and appliances when they break down. Appliances often covered by a home warranty include: washer and dryer, oven, refrigerator, dishwasher, heating/cooling systems, and hot water heater. A home warranty is […]

  5. Efficient ways to mitigate your home’s heating (and cooling!) costs

    Maintaining a comfortable temperature in your home is an essential but often expensive thing to do, especially in the hotter and colder months of the year. Below, we have listed a few actions you can take that can help relieve some of the cost. Reversible Fan: Ever wonder why your ceiling fan can spin in two […]

  6. Key Considerations for your Homeowners Insurance Search

    Once you have found the home you intend to buy and your financing process is underway, you will need to begin shopping for homeowners insurance. While it may sound like a simple task, there are quite a few decisions that can make a significant difference in the cost of your insurance. Liberty Mutual’s Joey Privitera […]

  7. 3 Reasons to Get a Home Inspection

    Having the home you’re planning to buy inspected may be optional, but is often well worth the investment. The inspection provides an objective evaluation of the home’s condition, addressing defects, general wear and tear elements, and grandfathered components that you may want to keep an eye on. The findings of the inspection are most commonly […]

  8. What Should You Expect From Your Agent, and What Will Your Agent Expect From You?

      Areas to Establish Expectations:   1. Communication What you should expect: Your agent is working for you meaning you can expect quick response times when requesting his/her attention. However, your agent may have a handful of clients he/she is working with simultaneously, so be realistic. What your agent will expect: Your agent will expect […]

  9. Three Great Reasons to Get Pre-Approved Before You Begin Looking for Your Next Home

    It’s important to understand the difference between a pre-qualification and a pre-approval. These terms are often used interchangeably, but getting pre-approved is a much more rigorous process than getting pre-qualified.

  10. What Does Fair Isaac’s New Credit Score Model Mean to Mortgage Applicants?

    Fair Isaac Corp (FICO) , the company that calculates the country’s most widely used credit score, recently announced that it will recalibrate its scoring system, including giving less weight to medical related debt. It will also stop including records of failures to pay bills if the consumer has settled with a collections agency or paid the debt.