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May 2018

How Current Interest Rates Can Have an Impact on Your Purchasing Power

By |May 29th, 2018|

There have been rumors of 5% – 6% interest rates for over 2 years now– the only difference between then, and now, is that now it’s happening.  The new normal for a Conventional home loan above 65% loan to value is going to fall into the 5% interest rate range by the end of […]

July 2017

The Constant Debate – Rent vs. Own

By |July 11th, 2017|

For most potential homebuyers, the debate of when to move from renting to owning is one of the hardest decisions outside FINDING their actual new home. Investing in the purchase of a new home is a big commitment, both on the financial and timescale. But, rent in major metropolitan areas continues to rise putting […]

Your Home is Your Castle

By |July 11th, 2017|

If you are hoping to buy a home to be your castle, check the fine print to make sure that you will rule the Kingdom. Before you buy, make sure your new home is not governed by restrictions that you won’t be able to live with. A Deed Restriction, the legal name for community […]

In Your 50’s? It’s Not Too Late

By |July 11th, 2017|

Too many baby boomers see their rent increasing and realize that retirement isn’t that far away. Time has slipped by and their dream of owning a home is fading. With less than 15 years until age 65, many of these workers aren’t financially ready for retirement. The income they will have to live on […]

June 2017

Time For a Fixer Upper? A Renovation Loan Could Be Right For You

By |June 13th, 2017|

In a busy housing market, it’s easy to feel discouraged when you can’t access a home in your dream neighborhood. Or perhaps you don’t have quite enough buying power to live in that top-rated school district. At Evergreen Home Loans, we know the importance of making a house a home. With that in mind, […]

My Bad… Literally

By |June 13th, 2017|

It was time to buy a house. The rent got raised again, the baby was crawling and we needed a bigger place. While I was aware that my wife had a higher credit score than me, it wasn’t until we submitted our application for a mortgage that the hard truth was revealed; it was […]

Pricing a Home to Sell

By |June 13th, 2017|

If it’s time to sell your house, setting the right sale price is one of the most important decisions in front of you.  Sales of comparable houses is a key factor in that process. Perhaps your neighbor just sold their house over the list price, and you may be thinking that you can use […]

May 2017

Secrets for a Smooth Loan Approval.

By |May 14th, 2017|

• Continue making your mortgage or rent payments
• Stay current on all existing accounts
• Keep working at your current employer
• Keep the same insurance company
• Continue living at your current residence
• Continue to use your credit as normal
• Call us if you have any questions

• Make any major purchase (car, boat, fur, jewelry, furniture, […]

Will I Ever Own a Home?

By |May 14th, 2017|

If you are struggling to become a homeowner, it might be time to really understand how your spending habits determine when, or if, that may happen for you. Being able to borrow money at a reasonable mortgage rate is key to giving you a monthly payment you can afford.  There is nothing worse than […]

Pre-approved or Pre-qualified?

By |May 14th, 2017|

Shopping for a home is quite a bit different than shopping for other items. It is such a long term and expensive commitment that you must first show that not only do you have enough income and/or assets to afford the home you want to buy, but you also must demonstrate the ability and […]