Home Buying

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7 Ways to Use a Home Equity Loan

7 Ways to Use a Home Equity Loan

A Home Equity Loan leverages the equity you’ve built in your home to get access to funds at a lower rate than other loan types. A Home Equity Loan is a closed-end loan, meaning you get a lump sum and repay it with interest over a specified term.

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8 Ways to Use a HELOC

8 Ways to Use a HELOC

Your HELOC provides more flexibility to support your goals than other loan options due to the low adjustable rate, no minimum advance requirements, no prepayment penalty, and flexible repayment terms — during the initial 10-year draw period your minimum payments are interest-only, followed by a 15-year repayment period to cover any outstanding balance.*

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Too Hot to Handle: What’s Ahead for the U.S. Housing Market?

Too Hot to Handle: What’s Ahead for the U.S. Housing Market?

The U.S. housing market, already strong before the pandemic, has heated up to record levels in 2021. The Case-Shiller U.S. National Home Price Index, which measures home prices in 20 major metropolitan areas, reported a 12-month increase of 18.6% in June 2021, the largest year-over-year gain in data going back to 1987.1

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5 Tips for Buying a Home in a Seller’s Market

5 Tips for Buying a Home in a Seller’s Market

It’s a seller’s market out there — between historically low interest rates and low inventory, prospective home buyers are facing stiff competition. In our local market, homes are getting dozens of offers within just a few days of listing. Our partners at GreenPath Financial Wellness recently presented a webinar with insight into buying a home in this competitive market. In case you missed it, here are 5 tips for buying in a seller’s market:

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The Rise of Digital Wallets and Contactless Transactions

The Rise of Digital Wallets and Contactless Transactions

A digital wallet (also called a “mobile wallet”) is an electronic method of securely storing and using your credit cards – and other types of cards, tickets, and coupons – so you don’t have to carry these items physically with you. Instead, you use your iPhone, Android smartphone, or other smart device to make contactless transactions in stores, restaurants, drive-thrus, movie theatres, and more.

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What is Home Title Theft?

What is Home Title Theft?

“Home Title Theft” or “Deed Fraud” has received a lot of attention lately and sounds as scary as it actually is. Let’s take a look at what defines Home Title Theft and just how prevalent it really is.

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Tax Tips: Homeowners Insurance

Tax Tips: Homeowners Insurance

The purpose of home insurance is obvious. The tax rules surrounding home insurance, though, aren’t always so clear. For example, if your insurance won’t cover you for a given loss, are you simply left holding the bag, or can you expect some tax relief? And what about premiums — can you deduct them or not? Here are some tax tips to help you make sense of it all.

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How Can I Insure My Possessions During a Move?

How Can I Insure My Possessions During a Move?

There are several ways to insure your possessions while you’re moving. Perhaps your current homeowners policy includes coverage for your personal property during a move. The policy may cover your possessions at the new location for a limited time, also. The same coverages, exclusions, and deductibles apply while you’re moving as they would for a regular homeowners claim.

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