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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…

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…

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…

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…

Savings Tips For Black Friday Shopping

11/22/2017

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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 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…

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…

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…

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,…

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…

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…

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…

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…

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 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…

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…

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…

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…

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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uying 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…

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AmeriSave Mortgage Corporation, NMLS ID #1168, (www.nmlsconsumeraccess.org); Corporate Office: 3525 Piedmont Rd NE, 8 Piedmont Center, Suite 600, Atlanta, GA 30305. Additional licensing information may be found by clicking here on this "Licensing" link. For questions regarding state licensing, please contact (866) 970-7283. Not all products and options are available in all states. Terms are subject to change without notice. Some people portrayed are professional models. ©2018 AmeriSave Mortgage Corporation.
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