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Tax Tips For Last Minute Filers

04/03/2018

Kimberly Chandler, Marketing Coordinator

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When it comes to filing taxes, procrastination plagues a large number of Americans every year. In fact, based on data collected by the Internal Revenue Service, up to 25% of tax filers wait until the last two weeks before they even begin preparing their tax documents. Of course, procrastination isn…

Why Is Spring The Best Time To Sell A Home?

03/20/2018

Kimberly Chandler, Marketing Coordinator

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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…

Get an Early Start – Prepare Your Taxes!

02/11/2018

Kimberly Chandler, Marketing Coordinator

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Year after year around this time, government workers, small business owners, entrepreneurs and all other taxpaying citizens find themselves dreading the return of one of the most hated seasons - tax season. We understand how stressful this time of year can be with trying to make sure you get all of…

2018’s Top 10 Housing Markets

02/05/2018

Kimberly Chandler, Marketing Coordinator

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The beginning of the year is off to a strong start for many housing markets across the US. According to a list aggregated by realtor.com, 10 metros are predicted to shine the brightest in 2018. The list was made by analyzing the prices and number of sales of existing home, the number of homes constr…

What you need to know about HELOCs and the new tax reform bill

01/30/2018

Kimberly Chandler, Marketing Coordinator

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On December 20, 2017, President Trump signed into the law the Republican tax reform bill which went into effect at the start of 2018. With that, a number of changes have been made to our tax code, specifically, home equity loans and lines of credit. In the new bill, you can no longer claim a deducti…

Our Best Mortgage Tips for 2018

01/05/2018

Kimberly Chandler, Marketing Coordinator

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Are you purchasing or refinancing a home in 2018? Check out our mortgage tips to help you have an awesome mortgage this year! Tip #1 – Build up your reserve savings You may have enough for your down payment and closing costs but if the payout depletes your savings, you could still run into some i…

Top 3 reasons to consider buying a new home during the holidays

12/20/2017

Kimberly Chandler, Marketing Coordinator

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Holiday gifts, dinners and traveling are the typical money guzzling purchases families expect, and plan for, during this time of year, but maybe they should add buying a new house to the list. The holiday season may turn off many from purchasing a new home, but should it? It turns out, buying a new…

Saving Money During the Holidays

12/14/2017

Kimberly Chandler, Marketing Coordinator

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The most wonderful time of year can also be the most stressful. Between making holiday travel plans, and finding the perfect gifts for your loved ones, saving money can feel impossible. However, putting aside money and taking care of holiday expenses is still doable with a bit of preparation and ser…

4 Tips for Paying Off Your Mortgage

12/08/2017

Kimberly Chandler, Marketing Coordinator

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Many people have a goal of paying off their mortgage early, which is great, but not always feasible or the best decision for everyone. For instance, homeowners with low mortgage rates may decide putting their extra money toward a retirement plan is a more financially savvy move than paying down thei…

Are Mortgage Rates on the Rise?

10/18/2017

Kimberly Chandler, Marketing Coordinator

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Mortgage rates change daily, but by historical standards, rates are still looking pretty good. However, according to the Federal Reserve’s September minutes, rates are expected to increase, and some experts believe a rate hike is on the horizon. According to data from Bankrate, the 30-year fixed ra…

5 Things That Can Drive Up Your Mortgage Rate

09/14/2017

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…

Reduce Your Debt-to-Income Ratio

09/11/2017

Andrew Norman, Sr. Marketing Manager

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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…

Get Your Credit Mortgage Ready!

08/18/2017

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…

Is “For Sale By Owner” the Right Move For You?

08/01/2017

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…

Americans Agree, It’s a Good Time to Sell a Home

07/31/2017

Kimberly Chandler, Marketing Coordinator

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Yes, home prices are increasing, but that isn’t slowing down the purchase market. Homeowners are finding that because of the competitive market, now may be the best time to sell their homes. According to Fannie Mae’s National Housing Survey, 61% of those surveyed believe now is an optimal time to s…

Credit Scores Are On the Rise

07/18/2017

Kimberly Chandler, Marketing Coordinator

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If you haven’t checked your credit score recently, maybe you should. According to an analysis performed by VantageScore, around 8% of Americans are seeing a bump in their scores with an average 10 point increase as new credit rules role into effect that remove civil debts and certain tax liens from…

Get ready for the first time homebuyer boom

07/11/2017

Kimberly Chandler, Marketing Coordinator

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For years now, home builders have focused their attention on building bigger luxury homes to fulfill the demand of homebuyers, but the tables are turning and with them a surge of starter home developments are popping up. Millennials are finally entering the home purchasing markets and as demand incr…

Buying a Home with Student Loan Debt

06/26/2017

Kimberly Chandler, Marketing Coordinator

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The class of 2016 graduated college with an average of $37,172 in student loan debt; that’s up 6% from the previous year. In the coming months and years these students are going to find jobs, start families, and begin looking for their starter homes, with many of them still carrying a handsome amou…

To New Grads: Now is the time to start thinking about buying a new home

06/05/2017

Kimberly Chandler, Marketing Coordinator

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I know what you’re thinking, you just received your diploma and may not even have your first job lined up prior to graduation yet, so isn’t thinking about buying a home a bit premature? My answer to that question is a big resounding NO. Now is the best time to start investing into your future; the…

How to sell to millennial homebuyers

04/27/2017

Kimberly Chandler, Marketing Coordinator

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When it comes to homeownership, there has definitely been a lag in the market brought on by the lack of participation from the millennial generation. There are many calculable reasons millennials have delayed homeownership with data showing the the disparity between generation x and their millennial…

Homes are selling fast this spring season

04/12/2017

Kimberly Chandler, Marketing Coordinator

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With demand so high and supply low, it’s no wonder houses are selling faster than agents can set up showings with their clients. This spring we are definitely in a sellers’ market; home prices have gradually increased and show no signs of stopping and yet buyers are still swooping in and purchasing…

What to expect when purchasing a home during the busiest time in real estate

04/07/2017

Kimberly Chandler, Marketing Coordinator

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With the blossoming of new flowers, for sale signs are also blooming across the country; spring homebuying season is up and running. Despite rate increases, it’s still a sellers’ market for Americans in most of the U.S. Yes, 2016 was a great year for mortgage rates, seeing rates hit record lows; how…

It Costs to be a Renter in Today’s Market

03/28/2017

Kimberly Chandler, Marketing Coordinator

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In most major cities in the U.S. when it comes to home affordability, buying a home instead of renting is usually the less expensive route. For years individuals have put off homeownership in order to save more money, but with rent prices steadily rising month after month, it may be time to rethink…

Why Millennials are Delaying Homeownership

03/24/2017

Kimberly Chandler, Marketing Coordinator

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Homeownership, once the milestone many young adults strived for to prove “they made it”, has seen a steady decline from the younger millennial generation. There have been many reports and articles about millennials and their “unusual” buying behaviors; many claiming that this generation simply is ch…

Choosing a Refinance Company that’s Right for You

03/09/2017

Kimberly Chandler, Marketing Coordinator

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There are many different motives behind why homeowners may choose to refinance their mortgages. Perhaps they are simply trying to obtain a lower rate, shorten the length of their mortgage term, switch mortgage types, or any other number of reasons. However, regardless of their intention for refinanc…

New found optimism in the housing market among Americans

03/06/2017

Kimberly Chandler, Marketing Coordinator

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After months and months of declined confidence in the housing market, Americans are shifting their opinions. Data collected by Fannie Mae’s Home Purchase Sentiment Index shows an improved assurance after a 5 month decline. “Three months after the presidential election, measures of consumer optimism…

Housing in 2017 Under New Administration

03/01/2017

Kimberly Chandler, Marketing Coordinator

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Over a month into the Trump presidency, we are already seeing the impact the new administration is having on the housing industry. In fact, in a matter of hours after being inaugurated, President Trump issued an executive order that immediately suspended a fee reduction that was set to go into effec…

Credit Card Tips for 2017

01/25/2017

Kimberly Chandler, Marketing Coordinator

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When one year comes to an end and a new year begins, many people start making goals and reorganizing their lives. At the top of most goal-setter’s new year’s list (right after weight loss that is) is financial rehabilitation. That being said, making the smartest credit card decisions can set you up…

The new year brings a drop in the 30-year fixed mortgage rate!

01/10/2017

Kimberly Chandler, Marketing Coordinator

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For the first time since the presidential election, we are finally beginning to see a drop in mortgage rates. The 30- year fixed mortgage rate increased by 40 basis points in the two weeks following the election, raising the rate to 3.94%, as stated by Freddie Mac Chief Economist, Sean Becketti. Ac…

Don’t let the fear of rising rates take you out of the race!

01/03/2017

Kimberly Chandler, Marketing Coordinator

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With a new government administration set to take office, the mortgage industry is in for some changes, which is to be expected with any new elected president. Since the election, Americans have seen an aggressive increase in mortgage rates, which are currently siting at their highest level since May…

Surviving the Holidays with NO debt!

12/23/2016

Kimberly Chandler, Marketing Coordinator

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Last year, Americans found themselves in debt averaging around $1,073 after the holiday season! According to a study done by Magnify Money, 1 out of every 4 Americans will be in holiday debt in 2016. That, on top of other debt obligations, can cause a lot of financial stress for the average family.

Saving Money During the Holidays

12/21/2016

Kimberly Chandler, Marketing Coordinator

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The most wonderful time of year can also be the most stressful. Between making holiday travel plans, and finding the perfect gifts for your loved ones, saving money can feel impossible. However, putting aside money and taking care of holiday expenses is still doable with a bit of preparation and ser…

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…

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…

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…

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 dwelling. As the social genera…

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…

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…

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 elder counterparts were at similar ages. Renting vs. Homeownership Growing up when the housing bubble began to burst and seeing their parents struggle through a vo…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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