Author Archives for Carlie Ortiz

What’s an LTV Ratio?

August 19, 2019 4:02 pm Published by Comments Off on What’s an LTV Ratio?

Are you new to the homebuying process? With so many new terms and phrases to learn as a first-time homebuyer, it’s important to start with basics. For example, do you know what your mortgage will cover? Do you know the roles of a title company? What about LTV? If you’re unsure about any of these... Read More

The Best Student Discounts 2019

August 16, 2019 12:31 pm Published by Comments Off on The Best Student Discounts 2019

Why pay full price when you could use your school ID for amazing student discounts? If you’re looking to save a few bucks this semester, check out this list of places that offer discounts. (It’s always best to call ahead and double-check current promotions at the location closest to you.) News & Entertainment New York... Read More

Refinancing Before and After a Divorce

August 14, 2019 1:20 pm Published by Comments Off on Refinancing Before and After a Divorce

Divorce rates across the United States have seen an 8% drop over the past ten years. However, the likelihood of divorce is still between 40-50% for American couples in their first marriage. This percentage skyrockets for couples in their second marriage. No one gets married with the intention of getting divorced, but life happens. It’s... Read More

Prepping Your Home for Fall Market

August 13, 2019 12:58 pm Published by Comments Off on Prepping Your Home for Fall Market

Can you believe fall is just around the corner? Before you know it, the leaves will begin to change, and mornings will feel crisp and cool again. Now that students are going back to school and the summer season is coming to a close, it’s time to think about the fall housing market! If you... Read More

Fixed-Rate vs Adjustable-Rate Mortgages

August 12, 2019 12:23 pm Published by Comments Off on Fixed-Rate vs Adjustable-Rate Mortgages

What is the difference between a fixed-rate and adjustable-rate mortgage (ARM) loan? In short, the most important difference between fixed-rate and adjustable-rate loans is: A fixed-rate mortgage has one interest rate which will remain the same throughout the life of the loan. An adjustable-rate mortgage (ARM) has an interest rate which can change multiple times throughout the... Read More

Dorm Décor on a Budget

August 9, 2019 4:40 pm Published by Comments Off on Dorm Décor on a Budget

Let’s be real. College is anything but cheap. Between rising tuition, outrageous room and board fees, and all the other little things you need to survive college, dorm décor is often the last thing you want to spend money on. However, this shouldn’t be the case. When you take into consideration the amount of time... Read More

What Does a Title Company Do?

August 7, 2019 2:12 pm Published by Comments Off on What Does a Title Company Do?

Welcome back to homebuying 101! Whether you’re a first-time homebuyer new to the process, or a seasoned buyer who just needs a refresher before buying again, you’ll be glad you took the time to learn more about the roles of a title company. Let’s start from the beginning. A title company will wear many hats throughout... Read More

Questions You Should Ask Your Mortgage Advisor

August 6, 2019 4:23 pm Published by Comments Off on Questions You Should Ask Your Mortgage Advisor

When it comes time to apply for a home loan, your Mortgage Advisor will cover the basics with you. This might include, your interest rate, the loan you qualify for, etc. However, it doesn’t hurt to know what questions you should be asking, just in case. What is my interest rate? Rates are currently lower... Read More

Should I Downsize My Home?

August 5, 2019 2:03 pm Published by Comments Off on Should I Downsize My Home?

Whether it’s one-bedroom too many or a backyard you just can’t keep up with, there are many reasons to consider downsizing your home. Even if you’re content with the current size of your living space, you might be surprised at all the ways you can benefit from resizing. In a world of “bigger is better,”... Read More

10 One-Day Home Projects

August 2, 2019 12:16 pm Published by Comments Off on 10 One-Day Home Projects

How many times have you seen a breathtaking home renovation project and thought to yourself, “I could probably do that?” Next thing you know, it’s been three months, you’re still not done with it, and you’re out a few (hundred) bucks more than you planned. Well, don’t worry. Luckily, we’ve compiled a list of our... Read More