Home Buying Tips

Refinancing My Mortgage
Refinancing My Mortgage
We’ve counted 17 different reasons why someone would refinance their home. Lowering the rate is only one of those reasons, and that reason, in itself, is not always in your best interest, regardless of the…
When Do I Refi?
When Do I Refi?
When is the correct time to Refinance my Mortgage? Our clients often ask us if there is a “rule of thumb for refinancing my mortgage?” A mortgage has two primary components: the Interest Rate (cost…
HELOC Refi
HELOC Refi
Most Home Equity Line of Credit (HELOC) lenders don’t highlight the fact that the HELOC you took out in 2010 is engineered to explode in 2020.
1% Listing Fee
1% Listing Fee
1% Listing Fee Explained I enjoy a good industry disruption. It challenges complacency. A disruption can bring about savings and efficiency to consumers. It encourages competition and watch how quickly everyone else steps up their…
Simultaneous Purchase
Simultaneous Purchase
It’s typical for our clients to buy and sell (and move) on the same day. Allow us to help you coordinate all the necessary steps involved.
Be the Winning Bid
Be the Winning Bid
Buying a home in Massachusetts inside of Route 495 (and outside) has become a competitive blood sport. Even more if the veins and arteries of Boston’s commuter rail, rapid transit (the “T”), or main highway…
Chicken or the egg?
Chicken or the egg?
I am asked this question every week …. for the past 1032 weeks. Often more than once per week. This may be the most frequently asked question we encounter, besides “how are the rates?”
Spring Market
Spring Market
Before my blood was transfused with 100% blood type RE (real estate) I used to think the Spring Market was similar to what the auto dealers did with President’s Day. Gimmicky, sales-y, running their own…
Adjustable Rate Mortgage
Adjustable Rate Mortgage
Pros and Cons of an Adjustable Rate Mortgage (ARM) A mortgage that has a Fixed Rate comes in 10, 15, 20, 25, and 30-year standard terms. Adjustable rate mortgages come in plenty of forms; well…
Mortgage Bridge Loan
Mortgage Bridge Loan
Mortgage Bridge Loan Explained A Bridge Loan is a second position mortgage on your outbound (former) primary residence. It is designed to extract equity from the departure residence to be used as a down-payment on…
Jumbo Mortgage
Jumbo Mortgage
What is a Jumbo Mortgage? A jumbo mortgage doesn’t have a technical definition; it is the “white space” where Agency mortgages stop. If it had a static definition it would never be the same two…
Mortgage Calculator
Mortgage Calculator
Read This First I scan lease prices for pickup trucks regularly. Because my family owns more bicycles than I can count and I still get sucked into scavenging for free firewood from time-to-time, a pickup…
Mortgage Application
Mortgage Application
Press Button, Get Mortgage Let’s process Rocket Mortgages’ (A Quicken / Intuit company) “Press Button, Get Mortgage” one-third of a billion-dollar advertising campaign. We’re concerned about the message it’s spreading and impact on consumers. Is…
Mortgage PreQualification
Mortgage PreQualification
Getting PreQualified for a Mortgage Our future clients are single people, couples or families. We have surfed the mortgage industry up (and down) and enjoy sharing our lessons for the benefit of our clients, and…