Author Archives for Carlie Ortiz

Pumpkin Patches in the PNW

October 18, 2019 3:57 pm Published by Comments Off on Pumpkin Patches in the PNW

Fall is officially here! The trees are changing colors and the weather is much cooler, which means it’s time to find the perfect pumpkin patch. No matter what state you’re in, you’re sure to find a fun and exciting patch with things for the whole family to do. Oregon The Original Pumpkin Patch on Sauvie... Read More

How to Use Your Credit Well

October 17, 2019 2:21 pm Published by Comments Off on How to Use Your Credit Well

Did you know October 17 is National Get Smart About Your Credit Day? Although we aren’t credit experts*, we do know a thing or two about how to use your credit well, especially when it comes to getting a home loan. It’s never too early (or too late) to start thinking about ways to improve... Read More

Single Entity Condo Project Approval

October 15, 2019 3:02 pm Published by Comments Off on Single Entity Condo Project Approval

The U.S. Department of Housing and Urban Development (HUD) recently made revisions to its handbook in August 2019 in regard to condominium projects. These changes, effective Oct. 15, 2019, open up the potential for more condos to qualify for FHA loans. Previously, an entire HOA (or development) had to qualify for an FHA loan, whereas... Read More

How Long Should I Keep My Mortgage Documents?

October 3, 2019 10:19 am Published by Comments Off on How Long Should I Keep My Mortgage Documents?

The busyness of life can quickly cause things in our lives to pile up— especially when it comes to mail, statements, and other important documentation. Although it may be tempting to just throw all of this clutter out, there are important mortgage documents you should hold on to, rather than toss out. Let’s break down... Read More

How to Avoid Homebuyer’s Remorse

October 2, 2019 3:45 pm Published by Comments Off on How to Avoid Homebuyer’s Remorse

Buying a home is one of the most important purchases you’ll ever make. From choosing the right lender to picking the best neighborhood for you, there are a million little choices that you’ll have to make as a homebuyer. So, is it even possible to avoid homebuyer’s remorse after finally deciding on a home? Maybe! (Maybe... Read More

Benefits of Selling During the Holidays

October 2, 2019 2:00 pm Published by Comments Off on Benefits of Selling During the Holidays

Each year, the holiday season seems to arrive quicker and quicker. Now that we’re officially in October, it’s time to start thinking about what the holiday market looks like. Are you considering selling your home soon? There’s no denying that spring is one of the best times to sell your home, but there are also... Read More

Do Credit Pulls Lower My Score?

October 2, 2019 9:25 am Published by Comments Off on Do Credit Pulls Lower My Score?

It’s a common misconception among borrowers that multiple credit pulls will drop their credit score. However, the three big credit bureaus (Experian, TransUnion, and Equifax) state it plainly: a borrower’s score will not drop when a mortgage lender pulls their credit more than once in a two-week period. So, why is this the case? Not all credit... Read More

Easy Ways to Make Your Home More Energy Efficient

October 1, 2019 3:09 pm Published by Comments Off on Easy Ways to Make Your Home More Energy Efficient

As we transition into fall, it’s a good time to tidy up, prep your yard for cooler weather, and remain energy conscious. Did you know something as simple as swapping out incandescent bulbs with green bulbs around your house could save an average of $240 a year, just on your electricity bill? Not only does living... Read More

Hottest Real Estate Markets of the Year

September 30, 2019 3:29 pm Published by Comments Off on Hottest Real Estate Markets of the Year

2019 has been a promising year for real estate investors and homebuyers alike. Low employment rates paired with a drop in mortgage rates have fueled the housing market over the past 9 months. As we wrap up the year and head into 2020, domestic migration out of major metropolitan areas continues to rise. So, where... Read More

How to “Marie Kondo” Your Home

September 27, 2019 3:19 pm Published by Comments Off on How to “Marie Kondo” Your Home

Did you know that recent studies report only 8% of New Year’s resolutions made are actually achieved? Whether your goal is to lose weight or declutter your home, it’s hard to commit to new goals once life becomes hectic again. This is why we love the Marie Kondo style of “tidying up.” In early 2019,... Read More