⁣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 Gilbert, call us at ⁣(480) 330-1724.

⁣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 Gilbert, call us at ⁣(480) 330-1724.

⁣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 Gilbert, call us at ⁣(480) 330-1724.

⁣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 Gilbert, call us at ⁣(480) 330-1724.

⁣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 Gilbert, call us at ⁣(480) 330-1724.

⁣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 Gilbert, call us at ⁣(480) 330-1724.

⁣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… I⁣f you're looking for a top-notch mortgage advisor in Gilbert, call us at ⁣(480) 330-1724.

⁣Ok, today we are going to talk about 6 things you need to examine closely in a home inspection… Buying a home is a huge investment, and unfortunately, we’re not all qualified to judge whether a home is worth the money. That’s why it’s essential to hire a professional home inspector. Here are 6 things to pay extra attention to in any home inspection… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about when the best days and months of the year are to list your home… If you’re thinking of selling your home, there’s never a bad time of year, but there certainly are perks to selling in the spring. Spring is usually the best time of year, and a recent survey gets even more specific, providing the best time to list, right down to time of day. Check it out to learn more… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to review everything you need to know about second mortgages… What is a second mortgage? A second mortgage is an additional loan taken out on a property that’s already mortgaged. Second mortgages are riskier for lenders than first mortgages because they’re in second position on your property's title. As a result, the interest rate on second mortgages is higher. Here’s what you need to know about second mortgages… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about how to make a long-distance move stress free… Major life changes are always stressful. And moving from one city or region to another is definitely a major change. Here are 5 steps you can take to help eliminate the stress of moving… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about 4 risks of home equity loans… A home equity loan lets you borrow some of the equity you’ve built up in your home. For most people home equity loans are a convenient, affordable way to access extra cash. But they’re not without risk. Here are 4 things to consider before applying for a home equity loan… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣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 are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about 7 ways to stay warm this winter without spending a fortune on heating… Home heating costs seem to rise every year, and this winter may be even more costly for you if you’re spending more time at home or working from home. But there are ways to reduce heating costs without shivering until spring. Here are 7 ways to stay warm without paying a huge heat bill… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about how to start investing… Obviously, there are several things to take care of before you can start investing. You need to cover rent or mortgage payments, monthly bills, groceries, etc., and you also need some money set aside for emergencies. But once you’ve accomplished that, it’s time to start investing for the future. Here are 5 steps to help you start investing… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about what cash reserves are and why you need them to buy a home… When buying a house, most people only think about saving enough to cover a down payment and closing costs. But lenders like to see more than that. Borrowers who have additional “cash reserves” are considered lower risk and are more likely to be approved for financing at the lowest possible rate. So, what are “cash reserves” and how can they benefit you? Take a look… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk ways to access the home equity… If you’re equity rich and cash poor, it might make sense to draw equity from your home. Here are 3 ways to access the equity in your home… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about how much home renovations can cost… Renovations can help make your home more comfortable and easier to sell. But depending on what you’re planning, they can also be expensive. To help you budget for your next project, the HomeAdvisor website has published a list of typical costs for renovation projects. Here’s a list of the most common renos and how much they cost… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣Ok, today we are going to talk about how you can buy a home without visiting it in person… Today, more buyers are making offers on homes sight unseen. Reasons for this could include: • Being too busy for physical shopping • Living on the other side of the country • Feeling totally comfortable with online purchases • Preferring the safety of physical distance Here are 6 tips for buying a house sight unseen… ⁣If you are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497

⁣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 are looking for a top-notch mortgage advisor in Katy call us at, 432-425-9497