Author Archives for Carlie Ortiz

How to Create a DIY Air Purifier

September 17, 2020 4:11 pm Published by Comments Off on How to Create a DIY Air Purifier

Considering all that’s happened so far in 2020, the past few months have been incredibly difficult for the west coast as locals live with dangerously unpredictable wildfires and the fear of evacuation. Nearly 500,000 Oregonians were forced to evacuate their homes over the past two weeks as firefighters battled flames across 900,000 acres of dry... Read More

When Do I Need a Co-Borrower?

September 17, 2020 11:00 am Published by Comments Off on When Do I Need a Co-Borrower?

The journey to homeownership isn’t always easy, and sometimes you need a little help. If your DTI ratio is too high, you’re a first-time homebuyer with a small down payment, or maybe just working on building your credit, you may need a co-borrower to help you get a home Let’s break down the responsibilities of a co-borrower... Read More

A Guide to Using Your Home Equity

September 16, 2020 3:14 pm Published by Comments Off on A Guide to Using Your Home Equity

Home equity: you dream about it, you build it, and… you use it? As a homeowner, you have access to the equity you gain over time. Typically, this equity is used when purchasing your next home or investment property. However, there are ways to access these “funds” to pay off other high-interest debts or cover... Read More

7 Alternatives to Housewarming Parties

September 11, 2020 12:41 pm Published by Comments Off on 7 Alternatives to Housewarming Parties

Anyone else tired of social-distancing, rescheduling events, and washing your hands every few seconds? We totally get it. Life has drastically changed over the past year, but just like we adapted to new habits and rules, we can adapt our housewarming parties, too! The ongoing pandemic doesn’t mean we can’t safely celebrate. It does mean,... Read More

Buying a Home with Less Than Perfect Credit

September 10, 2020 12:00 pm Published by Comments Off on Buying a Home with Less Than Perfect Credit

We’ve all been there. Life happens, and you miss a few credit payments. Or maybe the worst-case scenario happens; you lose your job and have to declare bankruptcy. When it comes to keeping your credit score in the green, you can only prepare so much. So, how does a low credit score* affect your chances of getting a loan? The Myth... Read More

Homeowner Costs That Renters Might Forget About

September 1, 2020 11:10 am Published by Comments Off on Homeowner Costs That Renters Might Forget About

As you start saving for your first home, many industry professionals will say you need to put down at least 20 percent. Others will argue that the down payment size isn’t as important if you can get a reasonable rate. In fact, the average down payment for a first time homebuyer is only 7 percent.... Read More

5 Renovations to Add Home Value

August 31, 2020 8:15 am Published by Comments Off on 5 Renovations to Add Home Value

If you’re anything like us, you’ve found yourself completely sucked into home renovation shows over the past few years. Every time you think Chip and Joanna Gains might finally be in over their heads after seasons of creating stunningly modern masterpieces, they manage to wave their magic renovation wands and the house is perfect. So, what’s the... Read More

What is Verified Income?

August 28, 2020 11:39 am Published by Comments Off on What is Verified Income?

How much do you know about the Dodd-Frank Act of 2010? Unless you work in financing or have extensive knowledge of the 2008 financial crisis, the answer is probably slim-to-none. The Dodd-Frank Wall Street Reform and Consumer Protection Act was passed in 2010 and targeted sectors of the financial system that were believed to have... Read More

Home Décor Trends We Love for Fall

August 27, 2020 11:47 am Published by Comments Off on Home Décor Trends We Love for Fall

2020, in a nutshell, has been nothing short of overwhelming for many and tiring for most. Now with fall knocking on our front doors and the holiday season just around the corner, you may be wondering if updating your home décor is even necessary, let alone a priority. (We get it!) In the midst of... Read More

Investment Properties vs. Second Homes

August 25, 2020 10:56 am Published by Comments Off on Investment Properties vs. Second Homes

Whether you’re interested in generating additional income or creating the perfect vacation spot, buying a second home can be an excellent investment. Historically low interest rates and virtual appointments have kept the housing market in motion over the past few months, so now could be a great time to buy. Differences in Financing Though similar... Read More