• Homeowner signing mortgage documents
    Understanding Home Equity: What are the Benefits

    There’s a lot of talk around home equity and growing home values in recent months. If you're in a position to leverage the equity in your home, it can offer some great benefits, depending on your financial goals. From debt consolidation to retirement income, let's cover the options and how you can use them to your advantage.

  • Question Mark and Interest Rate Cards
    Interest Rate Influences: What Home Buyers Need to Know

    Buying a home can be a stomach-churning process if you’re watching and waiting for interest rate changes. Odds are you’re fretting over nothing.

    While mortgage interest rates rise and fall for a variety of reasons (more on that below), they generally don’t move much. And even then it’s not likely to matter much in the long-run: a quarter-point change isn’t likely to alter the monthly payment on your mortgage by more than $20-$30, at the most.

  • Woman Looking at Colorado Landscape for First Home
    Buying Your First Home In Colorado? 3 Things You Must Know

    Choices for buying a first home in Colorado are nearly as varied as the type of home you can buy. Once you know where you want to live, what type of home you can afford, and what home loan suits you best, check out these considerations to help you make the right home purchase.

  • Hand Placing Toy House on Coin Pile
    How PMI Can Help Lower Your Down Payment

    Private mortgage insurance (PMI) is not always a bad thing. Its benefit -- it can allow you to choose from a wider price range of homes. How? Lenders are generally willing to accept a lower down payment (than the standard 20%) if the lender obtains mortgage insurance. You can not only get the home you deserve, but you can conserve your savings and increase your income tax deductions, just by putting less money down.

  • Man at Desk Calculating Mortgage Debt
    When Mortgage Debt Exceeds Your Home Value

    Your debt exceeds your home value, and you’re unsure of where to find relief. You certainly don’t want to default or foreclose on the home, but is there another way out? Take a look at some of these options, and be sure to review potential benefits -- and consequences -- with a professional.

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