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What Is a Wraparound Mortgage? A Detailed Guide for Buyers and Sellers

What Is a Wraparound Mortgage? A Detailed Guide for Buyers and Sellers

A wraparound mortgage is a form of seller financing that allows a property to be sold while the seller keeps their existing mortgage in place. Understanding Wraparound Mortgages The buyer makes payments directly to the seller, who continues paying the ori

Jan 15, 2026 | Purchasing a Home

A Guide to Buying a Home in Retirement

A Guide to Buying a Home in Retirement

Retirement offers the opportunity to adjust your lifestyle and focus on long-term comfort. For many retirees, purchasing a new home is an important part of this transition. Establish Your Priorities Before starting your search, define your must-haves and

Jan 13, 2026 | Purchasing a Home

Home Warranty vs. Home Insurance: What's the Difference?

Home Warranty vs. Home Insurance: What's the Difference?

Now that you're a homeowner, you need to be prepared for home maintenance and life's unexpected events. Let's say that your water heater stops working and you wonder, "Do I call my insurance company or my home warranty provider?" as steam pours out of the

Jan 08, 2026 | Purchasing a Home

Is Your Mortgage Payment Too High? Hereโ€™s How to Lower It

Is Your Mortgage Payment Too High? Hereโ€™s How to Lower It

A high mortgage payment can quietly strain your budget month after month. The good news is that your payment is not fixed forever. With the right strategies, many homeowners can reduce their monthly obligation and free up cash for other priorities. Refina

Jan 06, 2026 | Refinancing a Home

๐ŸŽ‰ Happy New Year 2026! ๐ŸŽ‰

๐ŸŽ‰ Happy New Year 2026! ๐ŸŽ‰

As we say goodbye to another year and ring in 2026, we want to thank you for letting us serve you and your family. From all of us, we hope your New Year is filled with health, happiness, and exciting new opportunities. Whether your goals include buying yo

Jan 01, 2026 |

FHA Compensating Factors: Strengthening Your Loan Application

FHA Compensating Factors: Strengthening Your Loan Application

FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification criteria. FHA compensating factors offer a solution by allow

Dec 30, 2025 | Purchasing a Home