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  • March 2021

Demystifying Closing Costs for First Time Buyers

Posted by Eric Skates on

This week we’ve put together a list of all the closing costs every first-time buyer will want to be aware of. Keep in mind that if you are applying for a VA or FHA loan, these costs will vary, and the buyer may cover some costs, but you can expect conventional loans will include the following:...Read More

Qualifying for a Home Loan When You're Self Employed

Posted by Eric Skates on

Self-Employment has its perks from a financial standpoint. People who are self-employed often report enjoying having a better work-life balance, higher earning potential, and they have more control over how to structure those earnings to reach financial freedom....Read More

Applying for a VA Home Loan? Here's What You'll Need

Posted by Eric Skates on

While looking for the best type of home loan for you, there’s a lot to keep in mind. The reason a VA loan is so desirable to prospective homeowners is because- unlike conventional and FHA loans we have discussed in other blog posts- if you or your spouse has served in the United States Armed forces, you have some great opportunity for savings. You aren’t required to have a downpayment and you won’t pay private mortgage insurance because VA loans are backed by the federal government. You’ll also qualify for competitive mortgage rates!...Read More

6 Ways to Check if you are Ready to Refinance your Mortgage

Posted by Eric Skates on

Refinancing your home can be a great way to shorten the length of time you are paying on your mortgage, or a way to save on monthly payments and have more money to put towards other things. It’s a complex option, and it is important to know some of the pros and cons to assess whether this is the right time to refinance. Rates are at historic lows right now, and it is tempting to take advantage. EPM has some questions to ask yourself as you begin the research process about whether you’re ready to refi or not....Read More