⁣Ok, today we are going to talk about how you can save time and money paying your utility bills on your home… Monthly bills are inevitable and predictable. But for some people, bills come as a surprise just when they can least afford them. Here’s 6 tips to save you time and money paying your utility bills… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about when it is smart to pay off your mortgage early… Being mortgage-free sounds wonderful. But as with most financial choices, there are pros and cons. Before using an inheritance, a raise or savings to pay off your mortgage early, there are some important things to consider. Here’s 7 things to consider if you want to pay your mortgage off early… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to create or update your home office space… The COVID pandemic introduced many of us to working from home. And regardless of being in a pandemic or not, many of us will continue to and have been working from home already. So now’s the time to make your home office as efficient, comfortable and uplifting as possible. Here are 6 ways to make your home office work better… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about 6 things to do before you list your house… If you’re thinking of selling soon, you’ve probably already started working on enhancements like painting, replacing appliances, installing new flooring or re-grouting bathrooms. But there are lots of little maintenance items you need to take care of too. Here are 6 things to do before you list your house… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about when it’s acceptable to back out of an offer and how to do it… It’s only natural to have second thoughts after making a major decision. But if your offer to buy a house is accepted and THEN you decide to back out of it, things can get a little complicated. It’s definitely possible, but it can be expensive and create legal issues. Here are some things to consider… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to prepare your finances for a natural disaster or pandemic… The thing about crisis situations is that you never know when to expect them. The only way to cope is by being prepared. Here are 4 ways to prepare your finances to help you make it through challenging times… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to furnish your home on a budget… If you’ve just bought a home, you may feel pressured to furnish the whole thing all at once, which can be expensive. But there are many ways to moderate costs. Here are 6 tips for furnishing your home on a budget… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Today we are going to talk about how to buy a house that’s not on the market… In a competitive real estate market, it may be difficult to find the house you’re looking for. And when you finally find it, you could be outbid by another buyer. That’s why many buyers are looking for homes BEFORE they’re listed. Here’s how to buy a house that’s not yet listed on the market… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about why it’s important to price your house right. When you list your house, you want it to sell fast and at a high price. In order for that to happen, it needs to be priced right. But this is where it gets tricky. Price it too low, and it may sell quickly but you’ll leave money on the table. Price it too high, and it may take months and several price reductions to sell. Here are 5 reasons why it’s important to price your house right… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about 5 simple things you can do to your home to instantly boost the price when it hits the market… You don’t have to hire a professional stager to prepare sell your home. With a little guidance from a Realtor and a few simple touches, your home’s value can increase instantly. Here are 5 things you can do that can help you boost your asking price… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about what a stratified market is and what it means to you… If you’re planning to buy or sell a house, you’re probably already familiar with the terms “buyer’s market” and “seller’s market.” In a buyer’s market, there are more homes than buyers, so prices drop and buyers get better deals. In a seller’s market there are more buyers than homes, so prices rise and sellers make more money. But there’s a third type of market, and it’s called a stratified market. Here’s what you need to know… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Today we are going to talk about how to use budget tracking apps but stay safe doing it… Budget tracking apps like Quicken and mint.com can be a great way to manage household finances. But considering all the personal financial information you enter into these apps, are they safe to use? Most experts agree the apps are generally safe; it’s the people using them who pose the greatest risk. Here are 7 tips for using a budget tracking app (while keeping your info safe)… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage… If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to finance a new home build… If you’re looking for a home that offers the latest energy efficiencies, low maintenance costs, and every amenity and convenience your family desires, maybe you should consider building new. Just keep in mind that financing new construction is a little more complicated. Here’s what you need to know… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to manage your finances during a recession… Nobody welcomes a recession. But if you’re among the fortunate majority that still has an income and a home, a recession can actually be a time of valuable learning and growth. Here are 5 ways to manage your finances during a recession… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about a decade-by-decade retirement plan… Saving for retirement is a challenging but essential goal. Government pensions likely won’t be enough to live on, so it’s up to you to provide a comfortable retirement income. Here is a retirement plan broken down for you, decade by decade… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about how to save money on home insurance… Insurance is absolutely essential to home ownership. You have to be confident that your investment and your family are adequately protected. However, there’s no reason to pay more for home insurance than you have to. Here are 7 ways to save money on home insurance… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about what a force majeure clause is and where or not it applies to your mortgage… “Force majeure” is French for superior force. It’s a term used in legal documents that can sometimes let a person or business get out of a contract. Here’s what you need to know and when it could apply to you… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about the expense of hiring a real estate agent and if it’s really worth it to you… When you’re selling a home, so much money is at stake, you can’t afford to make a mistake. That’s why over 90% of buyers and sellers work with a Realtor. But let’s face it, Real estate commissions are expensive. Are Realtors really worth it? Here’s what good Realtors do to earn every penny of their commissions… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.

⁣Ok, today we are going to talk about basic home maintenance you should be doing yearly, every 5-10 years and onward… Ongoing expenses like mortgage payments, property taxes and insurance are an expected part of homeownership. But there’s an additional ongoing expense you also need to budget for… And that is regular homeownership maintenance expenditures. On average, annual maintenance will cost 1% - 3% of your home’s purchase price. However, this can be reduced by maintaining regular preventative maintenance. Here’s your complete maintenance checklist… ⁣If you're looking for a top-notch mortgage advisor in Plano, call us at (714) 331-3033.