Record Home-ownership Rates

Record Home-ownership Rates

 

The U.S. home-ownership rate fell to the lowest in more than 50 years as rising prices put buying out of reach for many renters.

The share of Americans who own their homes was 62.9% in the second quarter. This is the lowest since 1965, according to a Census Bureau report Thursday. It was the second straight quarterly decrease, down from 63.5% in the previous three months.

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7 Mistakes Millennials Make in Home-Buying

7 Mistakes Millennials Make in Home-Buying

 

Millennials – they’re the generation between 18 and 35; the new young professionals; the recent graduates, and they’re also coming into the housing market in droves. Usually, they’re also first-time homebuyers, which means that they have the potential to make mistakes in the home-purchasing process.

Here are the top seven mistakes millennials make when they purchase a new home. Whether you consider yourself part of the generation or you’re just looking to ensure your home search goes as smoothly as possible, these tips should help any potential homebuyer.

 

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5 Steps for Parents with Kids Transitioning to College

5 Steps for Parents with Kids Transitioning to College

One minute they’re young and fragile and you’re rocking them to sleep, and the next they are ready and raring to flee the nest with as much excitement and vigor as they once had for Chuck-E-Cheese and unicorns. Life is fleeting, and nothing is more evident of this than when your child goes away to college.

For a lot of us, thoughts of having our child stay close to home for college, maybe even taking online courses so they don’t have to go far away, has crossed our minds. As parents, the role we really need to play is more supportive and less overbearing at this point. Here are the five things to help your child transition to college.

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Stealth Savings: Little Moves that Equal Big Money

Stealth Savings: Little Moves that Equal Big Money

So, you’ve banned takeout, swapped all venti fat-free lattes for the trusty Mr. Coffee at home, staged the yard sale, cut the cable, dropped the landline, raised your insurance deductibles, brown bagged every single lunch for months, and plan to limit the A/C all sweatin’-summer long.

But you still need to build your emergency fund. What can you do?

Make little changes for maximum impact.

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Shopping Around For a Mortgage?

Shopping Around For A Mortgage

Here’s the inside scoop on how to do it right!

First:  Are you working with a TRUE Mortgage Professional?

The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way.  But how can you tell?If your shopping just rates you may want to consider who your lender is going to be to handle your transaction.

 Here are FOUR SIMPLE QUESTIONS YOUR LENDER ABSOLUTELY MUST BE ABLE TO ANSWER CORRECTLY.  IF THEY DO NOT KNOW THE ANSWERS… RUN…  DON’T WALK… RUN… TO A LENDER THAT DOES! To help narrow your search Doug Haldeman is that lender! Continue reading “Shopping Around For a Mortgage?”

Tips For A Smooth Loan Approval

check-markGetting a pre-approval is one step of the mortgage approval process. Having a smooth loan process depends partially on you.  As a potential homeowner you must remain responsible throughout the process. In the end only you can determine your future. Here are some tips to help you stay connected to your end goals.

  • DO continue making your mortgage or rent payments
  • DO stay current on all existing accounts
  • DO keep working at your current employer
  • DO keep your same insurance company
  • DO continue living at your current residence
  • DO call us if you have any questions
  • DON’T make a major purchase (car, boat, fur, jewelry, etc.)
  • DON’T apply for new credit (even if you seem pre-approved)
  • DON’T open a new credit card
  • DON’T transfer any balances from one account to another
  • DON’T deposit money into the bank that you can’t explain
  • DON’T pay off charge offs without a discussion with us first
  • DON’T pay off collections without a discussions with us first
  • DON’T buy any furniture
  • DON’T close any credit card accounts
  • DON’T change bank accounts
  • DON’T max out or over charge on you credit card accounts
  • DON’T consolidate your debt onto 1 or 2 credit cards
  • DON’T take out a new loan
  • DON’T start any home improvement projects
  • DON’T finance any elective medical procedure
  • DON’T open a new cellular phone account
  • DON’T join a new fitness club
  • DON’T pay off any loans or credit cards without discussing it with us

If you encounter a special situation, it is best to mention it to us right

away so we can help you determine the best way to achieve your goals.

Tired Of Feeling Tired? Sick Of Being Sick?

angela-brown

Tired of feeling tired? Sick of being sick?

Angela Brown, Exercise & Nutritionist Expert, joins Doug and Tammie in studio to discuss what options there are to find out how you can take care of your body and identify the stressors that can effect your moods, sleep and overall health.  If you really are tired of feeling tired every day, sick of being sick or you seem to be going to the doctor and finding no real solution the be sure to give Angela Brown a call today to begin the process of the Dutch Panel Test!  314.226.3137

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Home Buyers & Sellers :Generational Trends

Home Buyers & Sellers : Generational Trends

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From <http://www.realtor.org/sites/default/files/images/infographics/2016/2016-home-buyers-and-sellers-generational-trends-infographic-03-09-2016-full.jpg

 

 

How to Rent your Home on AirBnB

How to Rent your Home on AirBnB

Would you pay for two hotel rooms in a single night, but use only one? Probably not, but when you go on holiday and continue to pay your rent or mortgage while you’re gone, this is essentially what you’re doing. Paying for a space you aren’t staying in not only bleeds your travel budget, but leaves a perfectly usable space, well, unused.

What I find most painful about all of this is that there’s a solution that can even hand you a profit while you’re gone. In turn, it can also help other travellers explore your hometown. So why not return the favour, and earn some travel cash on the side? Here’s how to rent your home on AirBNB and be an AWESOME host, too!

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Elaine Mahr – Annuities

Elaine Mahr – Annuities

Elaine Mahr Expert Contributor show card

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