Author Archives for Carlie Ortiz

8 Questions to Ask Your Real Estate Agent

January 19, 2021 9:00 am Published by Comments Off on 8 Questions to Ask Your Real Estate Agent

Sometimes the most difficult part of buying a home is simply knowing where to start. That’s why it’s crucial to have a team of professionals guiding you every step of the way. Your real estate agent and mortgage lender should be educated, informed, and willing to find the ideal long-term solution that meets your wants and needs.... Read More

Do More with Your Mortgage in 2021

December 22, 2020 2:24 pm Published by Comments Off on Do More with Your Mortgage in 2021

Life has been a little unpredictable over the past year, to say the least. However, one positive thing that came out of 2020 was the state of the housing market. Despite the ongoing pandemic and the need to move everything completely online, historically low mortgage rates have enabled buyers to do more with their money... Read More

10 Virtual Holiday Party Tips You Need in 2020

December 17, 2020 9:06 am Published by Comments Off on 10 Virtual Holiday Party Tips You Need in 2020

The stockings are hung by the fire with care, the presents are perfectly wrapped under the tree, and all of our friends and family will soon be… meeting us for virtual celebrations! This year has been challenging in many ways, but one positive to come from being physically distanced is the opportunity to still virtually... Read More

FHFA Increases Conforming Loan Limits for 2021

November 24, 2020 4:23 pm Published by Comments Off on FHFA Increases Conforming Loan Limits for 2021

The Federal Housing Finance Agency (FHFA) announced on Tuesday, November 24th, that the 2021 maximum conforming loan limit (CLL) for one-unit properties will be $548,250 for most of the U.S.— a significant increase from the 2020 maximum CLL of $510,400. The maximum CLL will be higher for areas in which 115 percent of the local... Read More

What is a “Zoom Town?”

November 20, 2020 1:32 pm Published by Comments Off on What is a “Zoom Town?”

When the world came to a screeching halt back in March, we thought it was safe to assume that quarantining would quickly become something of the past. Today, nearly eight months since most U.S. cities began lockdowns, Americans are canceling their holiday plans and hunkering down for a long winter. As Covid-19 remains a lingering... Read More

How to Prevent Holiday Home Fires

November 13, 2020 2:32 pm Published by Comments Off on How to Prevent Holiday Home Fires

The holiday season is just around the corner, and with it comes family dinners, stockings hung by the fire, and Christmas tunes from dawn to dusk. The holiday season also brings significantly higher risks for home fires, especially in the kitchen and living room. The good news is, there are easy ways that you can... Read More

Benefits of a VA Home Loan

November 5, 2020 1:21 pm Published by Comments Off on Benefits of a VA Home Loan

Did you know there are loans specifically for Veterans and active military members? VA mortgage loans are guaranteed by the U.S. Department of Veterans Affairs and were created to make housing affordable for eligible U.S. veterans and military members. This type of loan is available to veterans, reservists, active-duty personnel, and surviving spouses of veterans... Read More

4 Reasons You Need a Real Estate Agent

October 30, 2020 3:07 pm Published by Comments Off on 4 Reasons You Need a Real Estate Agent

You can DIY a new bookshelf, a shed for your backyard, or even your kids’ Halloween costumes. But should you try to DIY your homebuying experience? According to the National Association of Realtors (NAR), only 11 percent of homebuyers chose to purchase a home without a real estate agent in 2019, and that low percentage... Read More

What is a First-Time Homebuyer Grant?

October 26, 2020 12:51 pm Published by Comments Off on What is a First-Time Homebuyer Grant?

You’ve heard it said time and time again that a responsible homebuyer puts down 20%, no exceptions. Surely, with enough time and determination, anyone can save that amount of money, right? Well, it depends. For some homebuyers, 20% is a comfortable lump sum to put down on a home. For others, it could take years... Read More