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Improving your Home’s Efficiency

11/30/2016

Kimberly Chandler, Marketing Coordinator

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For many individuals, home related expenses add up to be their largest monthly cost. From utilities, repairs, mortgage payments and more, being a homeowner can feel a bit like a money guzzler, and unless you’re a billionaire, you’re probably always looking for ways to cut costs. Improving your home…

FHA Increases Conforming Loan Limit

11/29/2016

Andrew Norman, Sr. Marketing Manager

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For the first time in 10 years, the Federal Housing Finance Agency (FHFA) has raised conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac. Separate loan limit announcements are expected shortly from FHA and the Veterans Administration. The current loan limit, $417,000, has be…

AmeriSave Employees Donate Food For Thanksgiving

11/22/2016

Andrew Norman, Sr. Marketing Manager

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With Thanksgiving just around the corner, AmeriSave's Atlanta employees contributed over 600 items in our annual food drive for local families in need. Way to go team! Thanks Agape Youth & Family Center for your continual outreach and service in the community, and for hosting this Thanksgiving…

Why Getting a Home Mortgage May Be the Right Move Even if You Can Pay in Cash

11/17/2016

Kimberly Chandler, Marketing Coordinator

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Since we were old enough to care, we’ve probably had it instilled in our minds that debt is a bad thing and to avoid it at all costs. Many would say this was sage advice, and few would argue with that notion; I wouldn’t argue with that notion. I will, however, contend that mortgage loans may actual…

Savings Tips for Black Friday Shopping

11/17/2016

Kimberly Chandler, Marketing Coordinator

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The holidays are some of the most festive and financially stressful times of the year. Between travelling, purchasing gifts, and feeding a ton of hungry family members, you may find yourself strapped for cash. Have no fear, Black Friday is here. OK, you may be wondering why would I mention savings…

Getting the most out of your 401(k)

11/10/2016

Kimberly Chandler, Marketing Coordinator

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No matter your age, it’s always a good time to start, or continue, educating yourself about your retirement plan and how you can make the most of what’s offered to you. Many individuals have heard of 401(k)s, but they may not be entirely aware of how they work, or how they can benefit from them. A…

Building your Emergency Fund

11/03/2016

Kimberly Chandler, Marketing Coordinator

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Unfortunately, humans don’t have the capacity (as of yet) to predict the future, so until that time comes, we must prepare for the unexpected. Making sure to put aside money for an emergency fund is one of the wisest financial decisions one could make. Natural disasters, car accidents, medical emer…

Halloween Tips for a Safe Evening

10/28/2016

Kimberly Chandler, Marketing Coordinator

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No matter your age, Halloween is a festive time of year. Decorating your home with spooky jack-o-lanterns and haunted displays add to the fun. October 31st gives individuals many great excuses to dress up as their favorite characters, and eat as many sweet treats as they’d like, so you wouldn’t wan…

Being A Good Landlord

10/28/2016

Kimberly Chandler, Marketing Coordinator

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For many individuals who have ventured into investment real estate, the potential rewards can be great. However, there are considerable risks and a lot of responsibility that comes with being responsible for real estate property and tenants. Everything that’s worth having is worth working for, so d…

6 Things That Can Drive Up Your Mortgage Rate

10/20/2016

Kimberly Chandler, Marketing Coordinator

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When applying for a mortgage loan, every borrower hopes to receive the best rate possible. However, many may not be certain what factors actually determine the rate they receive. Check out our list below of the top 5 things that could be driving your mortgage rates through the roof! 1) Credit Scor…

Finance 101: Cutting the Cord on Cable

10/19/2016

Kimberly Chandler, Marketing Coordinator

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Are you one of the many individuals who pay a $100+ cable bill every month and only watch a handful of the channels that you’re paying for? Well, if that’s the case, maybe it’s time to cut the cord on your cable and opt in for some less expensive options. No, I’m not saying you have to throw out yo…

The Exodus from the Suburbs

09/29/2016

Kimberly Chandler, Marketing Coordinator

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Remember the days when getting married, finding a home in the suburbs with a white picket fence, and having 2.5 kids and a dog were the epitome of the American dream? Yeah, me neither. It’s 2016 and people are staying single longer and trading suburbia for city…

Check out these 5 steps to get your credit mortgage ready!

09/23/2016

Kimberly Chandler, Marketing Coordinator

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If you’re considering buying a new home, then you’re probably aware of the criteria that factors into obtaining a mortgage loan. However, one of the many standards that concern most individuals is the shape of their credit. Your credit does affect your loan eligibility and rate, that’s why it’s imp…

Renters can actually afford to buy homes… Why aren’t they?

09/21/2016

Kimberly Chandler, Marketing Coordinator

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When it comes to homeownership, many viable candidates take themselves out of the running before they even verify if they are actually eligible for receiving a mortgage. In many instances, these potential contenders can qualify to buy a home! So what’s holding them back? False information One com…

Are you smarter than your house? The rise of smart homes

09/16/2016

Kimberly Chandler, Marketing Coordinator

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Smart houses have been in development and on the market since the early millennium. As time passes and technology becomes even more advanced, incorporating augmented realities and hi-grade security for average consumers, the rise of smart houses or smart house features in homes across the country ha…

Managing Your Student Loan Debt

09/14/2016

Kimberly Chandler, Marketing Coordinator

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It’s 2016 and student loan debt in the U.S. is sitting at a staggering $1.3 trillion. That total is comprised of about 43.3 million borrowers. With that many Americans holding a student loan balance, one might assume that borrowers are educated about all things student loans so that they don’t make…

Tiny homes: the new trend people are obsessing over

09/12/2016

Kimberly Chandler, Marketing Coordinator

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Go big or go home. To your tiny home that is. There is a new social movement gaining popularity across the U.S. The tiny house movement has picked up traction, even gaining media attention through HGTV television shows such as Tiny House Hunters, Tiny House Builders and Tiny House, Big living. So,…

Summer’s top 5 hottest housing markets

08/29/2016

Kimberly Chandler, Marketing Coordinator

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The summer days are hot and so is the housing market. This year, Florida dominated the list with 4 of its cities ranking in the top 5 markets and Washington taking the 5th spot according to data reported by Ten X, an online real estate marketplace. The markets are ranked based on strong demand, hom…

Are your expensive habits costing you hundreds?

08/24/2016

Kimberly Chandler, Marketing Coordinator

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A habit, as defined by Merriam-Webster, is a usual way of behaving: something that a person does often in a regular and repeated way. Life’s little luxuries are nice to indulge in every now and again, but when splurges become habitual practices, your savings can seriously suffer. Try cutting out s…

Million dollar homes the new normal in some markets

08/19/2016

Kimberly Chandler, Marketing Coordinator

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Remember when you thought a house worth one million dollars was an exorbitant price paid out only on decadent mansions by the extremely wealthy? Well, those days of thinking are gone and the seven-figure price tag is becoming a new normal in many of our country’s largest housing markets. According…

What is a reverse mortgage?

08/18/2016

Kimberly Chandler, Marketing Coordinator

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You’ve finally reached the golden age of 62 and now qualify for a reverse mortgage, so how does this impact you? Well, quite frankly all this means is you have more options, and who doesn’t like having options! With a reverse mortgage, or a home equity conversion mortgage, eligible homeowners…

Reduce Your Debt-to-Income Ratio

08/17/2016

Kimberly Chandler, Marketing Coordinator

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In the wake of the home finance crisis that began in about 2008, obtaining a mortgage is now more difficult than it was before, but knowing the obstacles will help prepare you for buying a home.  Today’s lenders want to avoid the mistakes that bankrupted yesterday’s lenders.  Additionally, Governmen…

Millennials set to take up the mantle as largest generation of buyers

08/15/2016

Kimberly Chandler, Marketing Coordinator

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Millennials have surpassed Baby Boomers as the largest living generation, but their buying priorities are vastly different than their counterparts were at similar ages. Renting vs. Homeownership Growing up when the housing bubble began to burst and seeing their parents struggle through a volatile…

FSBO – Things you should know

08/11/2016

Kimberly Chandler, Marketing Coordinator

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Buying a property that’s for sale by owner, or FSBO, doesn’t have to be difficult. In fact, it may offer some advantages as you won’t have to pay fees or commissions for a real estate agent (although, using a professional is always recommended). However, when pursuing a FSBO home, there are a few t…

5 Reasons to Consider Using a Real Estate Agent

08/08/2016

Kimberly Chandler, Marketing Coordinator

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Acquiring a house is one of the biggest financial purchases you will make, and navigating the steps to homeownership can be confusing and a little intimidating; even more so if you are in the beginning stages of finding your first home. Would you leave such a big decision and financial burden to cha…

Landscaping ideas that can make your home more secure

08/04/2016

Kimberly Chandler, Marketing Coordinator

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As crime rates in major cities increase, finding clever ways to increase your home’s security is not only shrewd but necessary. Using landscaping in a way that deters would-be burglars could keep you and your property safe. Simple design concepts will help give your home a polished look that doesn’t…

AmeriSave Advantage’s First Closing!

08/01/2016

Andrew Norman, Sr. Marketing Manager

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The AmeriSave Advantage program is up and running; helping families realize their dreams of homeownership! This program is designed to help customers in the home buying process by giving them access to a network of local real estate professionals and providing them with a client coordinator who acts…

Historically low rates continue to increase

07/29/2016

Kimberly Chandler, Marketing Coordinator

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Mortgage rates slowly continue to creep up but that's not discouraging borrowers from purchasing homes. In fact, due to historically low mortgage rates, home sales are increasing at a pace we haven’t seen since 2008. According to data, the 30-year fixed- rate mortgage increased to 3.48% from last we…

Is it time for back to school shopping already? Let’s hear it for tax free weekends

07/27/2016

Kimberly Chandler, Marketing Coordinator

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Summer break is quickly coming to an end and kids are begrudgingly preparing to head back to school, which only means one thing; its back to school shopping season! Fortunately for some, many states offer tax free weekends on school supplies, clothing, shoes and more. We’ve got the list below! Cha…

Refinance applications drop as purchase applications rise

07/22/2016

Kimberly Chandler, Marketing Coordinator

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The post-Brexit refinance frenzy seems to have leveled off, but that doesn’t mean borrowers aren’t taking advantage of current low rates; purchase applications have started to see an increase. According to data, refinance applications fell by 1% this week after seeing an increase of 24% over the pas…

Things to do before heading out on vacation

07/14/2016

Kimberly Chandler, Marketing Coordinator

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Vacation season is finally here and families are making travel plans to pack up and get away for quality time with the family. Getting away for a few weeks during the summer is an excellent way to relax and recharge, but don’t forget to take these steps before leaving your home. Have peace of mind a…

First Time Homebuyers: Questions We All Have

07/13/2016

Kimberly Chandler, Marketing Coordinator

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There are few things more exciting, and often terrifying, than entering the world of homeownership. After months of binge watching HGTV and stalking house listings in your area on Zillow, you’re ready to take the next step. However, many don’t know what that next step is. Fear not! We’ve put togethe…

How to save money without doing anything!

07/08/2016

Kimberly Chandler, Marketing Coordinator

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Raise your hand if you hate click-bait headlines. Me too! However, that is NOT what this is. If you’re anything like me, the idea of possessing impregnable willpower that keeps you from spending on simple (yet expensive) pleasures is disheartening. Passing up my grande caramel macchiato every mornin…

Why now is a great time for a mortgage refi

07/08/2016

Kimberly Chandler, Marketing Coordinator

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Mortgage rates continue to linger near all-time lows and refinance applications are through the roof. With the 30-year fixed rate sitting just above the all-time low rate at 3.52% (the record low being 3.5%) you can see why so many borrowers are taking advantage of these rates. The end of the July…

Mortgage rates plummet after Brexit vote

07/01/2016

Andrew Norman, Sr. Marketing Manager

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Since the United Kingdom shocked the world and voted in favor of a British exit from the European Union, mortgage rates have plummeted to historic lows reminiscent of the all-time low recorded in November 2012, with only a 17 basis point difference. For the week of June 30, 2016, the 30-year fixed-r…

Brexit - What’s happening with our friends across the pond and how it could affect you

06/27/2016

Kimberly Chandler, Marketing Coordinator

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For those who haven’t heard, last week the UK experienced a historical shock when British voters surprised everyone and voted in favor of a British exit, aka Brexit, from the European Union. With the news of the UK  withdrawing from the European Union, experts have been in major debates over the fut…

Things they don’t teach you in school – but should

06/09/2016

Kimberly Chandler, Marketing Coordinator

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“Why didn’t they teach us this in school?” We’ve all probably said, thought or heard this question numerous times in our lives. Whether it’s referring to how to file taxes, the best way to save and invest or how to negotiate contracts and salaries, I’m sure we could come up with a pretty extensive…

School’s out for the summer: 15 things you can do with your kids

06/07/2016

Kimberly Chandler, Marketing Coordinator

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The sun is out and blazing, and the kids are at home complaining of boredom. That could only mean one thing – it’s summertime. Don’t let yourself, or your kids, fall prey to the mind sucking vortex that is the television set. Check out this list we’ve compiled of summer fun you can have in or outsid…

AmeriSave Mortgage Corporation Launches AmeriSave Advantage, a Real Estate Assistance and Rewards Program

06/02/2016

Andrew Norman, Sr. Marketing Manager

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Atlanta, Georgia – June 2, 2016 – AmeriSave Mortgage Corporation, NMLS ID #1168, adds value for customers with its new real estate assistance and rewards program, AmeriSave Advantage. The AmeriSave Advantage program helps customers who are buying or selling a home and do not have a local real estate…

Benefits of Bathroom Renovations

05/26/2016

Kimberly Chandler, Marketing Coordinator

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Renovating a bathroom is not an easy undertaking but the added value and aesthetic appeal it can bring to your home may be worth the challenge. Investing in strategic updates on key fixtures could lead to a big return and you don’t have to spend a fortune. Check out these tips on basic renovations t…

8 financial steps to take before you turn 30

05/24/2016

Kimberly Chandler, Marketing Coordinator

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College is over and late nights followed by even later mornings are all but a thing in the past. You may find yourself thinking about your future in ways that you never have before. Focusing on things like marriage, children, careers, homeownership or a combination of all. "What could this shift in…

Is refinancing right for you?

05/20/2016

Kimberly Chandler, Marketing Coordinator

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In today’s housing market, many homeowners may see advantages in refinancing their homes. Individuals impacted financially by the mortgage crisis in the early to mid-millennia have taken advantage of low rates and have refinanced, in some instances, multiple times. So, you may wonder, is refinancing…

Growing debt for new grads

05/18/2016

Kimberly Chandler, Marketing Coordinator

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It’s 2016 and a fresh new crop of students brimming with knowledge and ready to enter the work force are merely weeks away from graduation! Many of these students will go on to secure well-paying jobs and begin growing their savings in order to invest in their very own home just like their parents b…

Pros and cons of purchasing a foreclosure

05/16/2016

Kimberly Chandler, Marketing Coordinator

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If a great deal on a new home is the most important factor in your home purchase, you may be considering purchasing a foreclosure. Many home buyers go this route so that they can buy properties that are significantly discounted in order to use the money saved on remodeling and renovations; however,…

What cities have the best housing market?

05/12/2016

Kimberly Chandler, Marketing Coordinator

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The current housing market is experiencing an increase in home values due to a supply problem (housing demand is up, but housing supply is down). For first time homebuyers looking to purchase an affordable home, the task ahead may seem daunting, but there is hope for you yet. Check out this list put…

Home ownership. How soon is too soon?

05/09/2016

Kimberly Chandler, Marketing Coordinator

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So, you’re debating whether you should purchase a home and many questions are running through your mind. “Is this the right decision for me?”, “Can I afford a house?”, “Is it worth it to own?” Well, we have the answer for you! We don’t know.  Deciding to purchase a house depends on a number of perso…

What's so great about solar panels and why is everyone talking about them?

05/05/2016

Kimberly Chandler, Marketing Coordinator

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Many question the benefits of going green when it comes to boosting the values of their home. Can improvements such as solar panels and energy conserving fixtures actually increase the value of a home? [caption id="attachment_758" align="alignright" width="231"] click on image to enlarge[/caption]…

Four Tips on Negotiating a Home Purchase Price

05/03/2016

Kimberly Chandler, Marketing Coordinator

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For many inexperienced homebuyers, negotiating a final sale price can seem rather intimidating. Every homebuyer wants to make an offer most in their favor, which is why proper negotiation plays such an important role in the process. Here are four quick tips to help you get started on negotiations. 1…

Why it's important to get pre-approved

05/02/2016

Kimberly Chandler, Marketing Coordinator

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Beginning the process of looking for a new home can be a daunting task and for many first time home buyers, knowing where to start can be confusing. You may be asking yourself “how do I go about paying for a house?” or “how much home can I afford?” Well, both of those questions can be answered after…

Congratulations!

04/29/2016

Andrew Norman, Sr. Marketing Manager

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Every year Mortgage Professional America, or MPA, publishes a report highlighting the accomplishments of 50 women who are rising stars in the industry. This year two of our very own were featured in MPA’s Elite Women in Mortgage report. A big congratulations goes out to Lauren Frank (left) and Rebek…

How Much Should You Save for Retirement? Four Factors to Consider

04/29/2016

Kimberly Chandler, Marketing Coordinator

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When it comes to saving for retirement, many people have no idea how much money they should put aside to retire the way they want to. An ideal retirement figure depends on a wide range of factors, from desired retirement age to percentage of income saved every year. Here are four common factors used…

Congratulations Team

04/28/2016

Andrew Norman, Sr. Marketing Manager

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National Mortgage News has published their list of Top Producers in 2016 and some congratulations are in order for nine of AmeriSave’s Loan Originators. Awesome job Greg LaPointe, Rebekah Balkcom, Brad Minor, Mike McCone, Adam Kuhns, Sean Park, Jessica Gibson, Brad Cejka and Michael Capell! National…

AmeriSave Named 4th in Customer Satisfaction by LendingTree for Q4 2015

04/27/2016

Andrew Norman, Sr. Marketing Manager

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Atlanta, Georgia – March 11, 2016 – AmeriSave Mortgage Corporation was listed 4th on LendingTree’s Top Ten Customer-Rated Lenders for Q4 2015, which was announced on February 1, 2016.  AmeriSave was rated on mortgage rates, fees and closing costs, responsiveness, customer service and overall experie…

Congratulations Greg LaPointe!

04/27/2016

Andrew Norman, Sr. Marketing Manager

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Congratulations to AmeriSave’s very own Greg LaPointe! Greg has been named as a Top Originator in 2015 by the Scotsman Guide, an online mortgage publication. This is Scotsman Guide’s 7th annual ranking of top originators and after receiving over 2,400 entries, Greg was chosen after closing over $87…

Five Tips for First Time Homebuyers

04/26/2016

Kimberly Chandler, Marketing Coordinator

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For many first time homebuyers, the prospect of finding and purchasing a home can be a bit overwhelming. Here are five tips to help you get started on the path to home ownership. 1. Determine what type of home matches your needs. Residential properties come in a wide variety of shapes and sizes, fro…

How to Use Social Media to Sell Your Home

04/19/2016

Kimberly Chandler, Marketing Coordinator

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Despite generation gaps, the use of social websites and applications has increased across the board. With online interactions becoming the predominant form of communication, establishing an online presence is now vital to all types of business, including real estate. So, as a homeowner leaping into…

The Benefits of an Online Lender

04/12/2016

Kimberly Chandler, Marketing Coordinator

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It’s 2016, and in a time where computers, tablets and mobile devices are increasingly changing how consumers do business across all markets, mortgage lenders are finding that they must adapt to the needs of their borrowers. AmeriSave Mortgage Corporation consistently stays ahead of the curve. Since…

Mortgage Rates Hit Six Month Low

05/15/2014

Andrew Norman, Sr. Marketing Manager

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Mortgage rates fell again this week, hitting a six-month low as investors reacted to weak economic news in the U.S. and to reports that the European Central Bank may ease monetary policy. The 30-year fixed-rate mortgage fell 4 basis points to 4.33 percent. A basis point is one-hundredth of 1 percent…

Four Common Tax Deductions for Homeowners

03/19/2014

Andrew Norman, Sr. Marketing Manager

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During income tax season, many American homeowners will qualify for one or more tax deductions based on their real estate holdings. For some, the deductions can result in thousands of dollars in savings. Following is a quick list of four common tax deductions for U.S. homeowners.   1. Mortgage inter…

Smart alternatives to putting 20 percent down

02/25/2014

Andrew Norman, Sr. Marketing Manager

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When you started researching what it takes to buy a home, you probably came face-to-face with one number over and over again: 20 percent. Traditionally, that's how much was needed to buy a home. These days, there are a number of alternatives to the 20 percent down payment, with some options requirin…

AmeriSave Mortgage Given A Rating by the Better Business Bureau

01/15/2014

Andrew Norman, Sr. Marketing Manager

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AmeriSave Mortgage Corporation is a Better Business Bureau (BBB) Accredited Business with an A Rating.  Operating with honesty, reliability and integrity in today's lending environment, AmeriSave's mission is to save our borrowers time and money in their home purchase or refinance transactions. Amer…

Mortgage Rate News for 2014

01/07/2014

Andrew Norman, Sr. Marketing Manager

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We started off 2013 by carrying over mortgage rates at historic lows.  We saw 30 year fixed rates in the low 3% range*, fueling a refinance wave that lasted nearly a year.  Since mid-May rates have begun to climb, reaching about 4.5%*.  The government shutdown in October had one positive effect: Mor…

Four Ways to Keep Your Lawn Healthy This Summer

08/12/2013

Andrew Norman, Sr. Marketing Manager

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With summer already upon us, homeowners across the country must now face the problem of maintaining a healthy lawn during the hottest and driest part of the year. Here are four tips to help you keep your grass happy and healthy this summer. 1. Water deeply and infrequently. During the dry summer mon…

Real Estate News: No Housing Bubble In Sight

07/17/2013

Andrew Norman, Sr. Marketing Manager

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The following article appeared in Mortgage Professional America on July 17th, 2013. Some are saying that the sharp rise in mortgage interest rates in June, driven by bond market responses to the Fed, is leading to a bubbling housing market. But CoreLogic shares a more optimistic housing rec…

Common Real Estate Scams and How to Avoid Them

07/17/2013

Andrew Norman, Sr. Marketing Manager

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During the housing bubble scams commonly manifested among fraudulent brokers issuing predatory loans or, as home flipping reached a feverish pitch, real estate gurus charging tens of thousands for get-rich-quick courses. When the bubble burst, many of those same swindlers set their sights on cash-st…

Four Ways to Reduce Home Electricity Costs During Summer Months

07/15/2013

Andrew Norman, Sr. Marketing Manager

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During the summer months, many people experience a sudden and unwanted uptick in their monthly energy bills. The change almost always occurs due to increased use of the air conditioning system, which uses a considerable amount of energy. Here are three tips to help homeowners keep their homes cool w…

Three Ways to Improve Your Credit Score

07/01/2013

Andrew Norman, Sr. Marketing Manager

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All too often, low credit scores keep individuals from obtaining loans, credit cards, and other forms of financing. Over a long enough period of time, there are ways for individuals of all incomes and debt levels to repair their credit and get back on their feet. 1. Obtaining a credit card is perhap…

Five Tips For First Time Home Buyers

06/10/2013

Andrew Norman, Sr. Marketing Manager

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For many first time home buyers, the prospect of finding and purchasing a home can be a bit overwhelming. Here are five tips to help you get started on the path to home ownership. 1. Determine what type of home matches your needs. Residential properties come in a wide variety of shapes and sizes, fr…

Why is Spring the Best Time to Sell a Home?

05/22/2013

Andrew Norman, Sr. Marketing Manager

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In real estate, as in many other things in life, timing is everything. For many homeowners and prospective home-buyers, the decision of when to buy or sell a home can have a tremendous impact on the price, ease of sale, and competition. Many professionals in the real estate sector point to spring as…

How to Prepare Your Home For an Appraisal

05/20/2013

Andrew Norman, Sr. Marketing Manager

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In today’s housing market, a well-executed appraisal can add thousands of dollars of value to your home. It is important to prepare your home long before an appraiser ever arrives on the scene. Here is a quick list of tip to maximize the appraisal value of your home. 1. Clean the interior of your h…

FHA Rule Changes Coming June 3rd Make Now The Time To Refinance

05/02/2013

Andrew Norman, Sr. Marketing Manager

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Thinking about refinancing your existing mortgage, or taking out a new one? Don't delay, or it could cost you. Some Federal Housing Administration (FHA) changes involving tighter lending standards and higher mortgage insurance premiums already took effect on April 1st, while others are on the way -…

Five Ways to Cut Costs at Home

05/01/2013

Andrew Norman, Sr. Marketing Manager

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In tight economic times, many families have begun looking to their household budgets for ways to save money every month. Here are five tips to help families cut down on their monthly expenses and start growing their savings. 1. Bundled services: As a result of increased competition in the telecommun…

First Quarter Mortgage Industry Update

04/29/2013

Andrew Norman, Sr. Marketing Manager

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As we reflect on first quarter, 2013 we find a real estate market which after many years appears to be gaining some stability and strength.  As a result, in many markets there seems to be more home purchase demand than supply as evidenced by lower inventory, increasing values as well as multiple con…

AmeriSave Mortgage Corporation Presents the First Annual AmeriCup Employee Putt Putt Tournament

04/26/2013

Andrew Norman, Sr. Marketing Manager

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Back in February, AmeriSave’s Executive Vice President Ed Abufaris sent an email to 7 associates from different departments and asked them to meet in the conference room where he wanted to share an idea.  Ed began, “We are a large group of people here at AmeriSave.  We are separated by departments,…

The Battle of Homeownership vs. Renting

04/04/2013

Andrew Norman, Sr. Marketing Manager

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With today’s mortgage rates still very low, the cost of homeownership may rival that of renting in many markets.  Real estate blog Trulia states, despite asking price increases of 7% outpacing rental increases of 3.2%, the gap between buying and renting has narrowed only slightly.  Today, it is stil…

Prefab Isn’t What It Used To Be

03/22/2013

Andrew Norman, Sr. Marketing Manager

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The history of prefabricated homes in the United States dates back to the early 1900s when companies like Sears, Roebuck and Co. sold more than 100,000 homes out of its catalog.  Prefabricated houses were inexpensive because the panels were constructed in an assembly line fashion, with the skilled c…

How to Save Money on Mortgage Payments

03/06/2013

Andrew Norman, Sr. Marketing Manager

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Financial advisors generally recommend spending in the range of 30% of a household’s monthly income on a mortgage payment.  Some homeowners have seen their incomes decline in the last few years and others may have budgeted more than 30% for their mortgage payments to begin with.  If you’ve found you…

HARP Hits 2 Million, Mortgage Interest Tax Deduction Under Spotlight, and Home Ownership Trends

02/20/2013

Andrew Norman, Sr. Marketing Manager

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2 Million HARP Refinances Government sponsored housing agencies Fannie Mae and Freddie Mac have reached a major milestone, 2 million refinances have been closed since inception of HARP (Home Affordable Refinance Program) in March of 2009.  HARP is setup to assist homeowners who are current on mortga…

This Week in Celebrity Real Estate

02/15/2013

Andrew Norman, Sr. Marketing Manager

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Jessica Simpson Buys Ozzy and Sharon Osbourne’s Former Home Jessica Simpson and husband-to-be Eric Johnson have gone into escrow on the home The Prince of Darkness, Ozzy Osbourne, shared with his wife Sharon.  The 11,000 square foot home is located in Hidden Hills, California and was listed at $13 m…

President Obama Considering Further Expansion of HARP Refinance Program

02/13/2013

Andrew Norman, Sr. Marketing Manager

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President Obama is considering announcing a major expansion of the HARP 2.1 refinancing program in his upcoming State of the Union speech that would make it possible for underwater borrowers whose loans are not held by Fannie Mae or Freddie Mac to refinance at today’s low rates. The Washington Post,…

Saving Your Tax Refund Wisely

02/12/2013

Andrew Norman, Sr. Marketing Manager

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Last week we gave you some tips on ways to spend your tax refund more wisely.  Most of these tips involved reducing debt, improving your financial life and planning for retirement.  This week we have a few more tips that will help you improve your lifestyle and relieve some stress. Saving for Educa…

Make Your Tax Refund Work For You

02/08/2013

Andrew Norman, Sr. Marketing Manager

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It’s the time of the year where the most eager tax filers are starting to find their tax refund has been delivered to their mailbox or directly deposited to their checking account.  The average federal refund has been about $3000 for the last two years, according to TurboTax.  That amount of money i…

Hot Features New Home Buyers and Builders Want

02/07/2013

Andrew Norman, Sr. Marketing Manager

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As we’ve written before, the housing forecast looks strong for 2013.  There are three strong indicators to look at for new home construction:  Building permits authorized for privately-owned housing units hit 866,000 in October 2012, representing a nearly 30% gain from October 2011.  Housing starts…

What’s In Store For The Housing Market in 2013?

01/08/2013

Andrew Norman, Sr. Marketing Manager

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After years of declining property values, foreclosures and tightened lending guidelines the housing market picked up some steam in 2012.  Historically low interest rates led to a wave of refinances and new home purchases, values increased slightly and new home construction picked up marginally. Trul…

Odds Are...

11/28/2012

Andrew Norman, Sr. Marketing Manager

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Americans are scrambling to purchase tickets for tonights Powerball drawing as the jackpot surpasses a record breaking $500,000,000.  Chuck Strutt, executive director of Multi-State Lottery Association, predicts there's a 60 percent chance there will be at least one winner drawn tonight, as the jack…

Three Mortgage Options for Different Stages in Life

11/27/2012

Andrew Norman, Sr. Marketing Manager

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Buying a home is the quintessential American dream and there are many financing options to consider when doing so.  Your mortgage needs will change as you enter different phases in life and there are many products suited to these stages. Your First Home With historically low interest rates, young pr…

How to Buy a Short Sale Home

11/15/2012

Andrew Norman, Sr. Marketing Manager

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Low interest rates have home sales really picking up steam lately, but a depressed economy and underwater mortgages have left many struggling homeowners with little option other than a short sale.  A short sale is the sale of a property in which the proceeds from the sale fall short of the balance o…

Winterize Your Life

11/14/2012

Andrew Norman, Sr. Marketing Manager

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As the weather begins to get a little more brisk and the leaves begin to change colors and fall, you should take some time to prepare your home for winter. Doing these things ahead of time can save you money in the long-run and prevent you from being out in the cold. Inside Your Home Heating System…

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Today's Mortgage Rates

Loans up to $417,000 Rate* APR* Points*
30 Year Fixed 3.500 3.829 3.612
15 Year Fixed 2.625 3.168 3.402
7 Year ARM 2.375 3.518 3.878
5 Year ARM 2.250 3.597 3.305
3 Year ARM 2.250 3.815 3.410
FHA Rates Rate* APR* Points*
30 Year Fixed 3.250 3.984 0.404
15 Year Fixed 2.750 3.825 2.393
Veteran Loan Rates Rate* APR* Points*
30 Year Fixed 3.250 3.449 0.654
15 Year Fixed 2.750 3.398 2.643
USDA Rates Rate* APR* Points*
30 Year Fixed 3.500 3.828 -0.407
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