One of the first steps to true independence is developing a strong sense of financial responsibility. The moment you start earning any money at all is the ideal moment to learn about money management, budgeting, and the importance of good credit. Whether you are exploring financial independence for the first time, or looking to re-build after a few credit mistakes, here are some options for getting on a path to a solid credit history.
It’s hard to believe it’s been nearly 10 years since the housing market took a turn for the worse. At the time it seemed chaotic, but it’s now clear what happened. The market was correcting and as a result, we saw a sharp downturn in home prices between 2007 and 2011. Things improved slowly over the next few years until recently, when prices starting rising much more rapidly. That has caused many buyers and sellers to assume that we must be heading toward another housing bubble.
It’s that time of year again! School will soon be in session, which means an influx of homework, afterschool activities and hectic schedules. Don’t stress – there’s still time to get your family back on track. Follow these helpful tips to organize your home for the upcoming school year!
First-time homeowners are often younger than the average homebuyer, which means lower income levels, less money saved and, typically, more student loan debt. Concerns about student loans often discourage would-be first-time buyers from pursuing their goal of homeownership. If you’re considering purchasing your first home, these tips can help get you there.
Qualifying for a mortgage can be more complex for someone who does not have pay stubs and a W2 form to verify consistent income. If you’re an entrepreneur with your own business and fall into this category, don’t worry—there are loans for you. You just need to know how to navigate. I asked RPM’s EVP, Julian Hebron, to explain how specialized loan products serve the specific needs of self-employed home buyers.
As seasonal temperatures heat up, utility bills will also inch up as homeowners try to beat the heat. What can you do to prepare your home for the hot summer months and minimize the cost of keeping indoor spaces comfortable? A “do-it-yourself” (DIY) home energy audit can be a good starting point to help determine what areas to prioritize for energy efficient repairs and upgrades. By following the simple steps below, you can uncover the most obvious spots where your home is losing energy and where you may have opportunities to improve your home’s performance.
Whether you’ve decided to sell your home, or buy one, aligning yourself with the right real estate professional can be an important first step.
There is no escaping it; debates, primaries and non-stop political rhetoric across all media channels. It’s 2016 and it’s an election year. And if you’re considering buying a home sometime in the next year, you may be curious about historical interest rate trends during the months before and after we’ve elected a new president.
It’s no secret that an energy efficient home costs less to operate. But, the up-front costs of major upgrades can be daunting. We set out to find options for small enhancements on a small budget that can make a difference. Here is a short list of DIY projects homeowners can easily take on to improve home performance, conserve energy, and lower the cost of utilities.
So picture this. You found your dream home, your offer is accepted, your target closing date is set, everything is packed, and you’re ready to move in. Then, BAM – you find out something has come up that will delay your closing. Or worse – cancel it.