26 02, 2021

Mortgage Rates on the Rise in 2021

2021-09-28T16:49:38+00:00February 26th, 2021|Blog, Buying a home, Mortgage 101|

Mortgage Rates on the Rise in 2021

House of money

Have you been waiting for mortgage rates to hit rock bottom to pull the trigger on refinancing your home? Well, now is the time according to experts. Mortgage rates hit an all-time low several weeks ago and are now climbing their way back up.

Why Are Mortgages Rates Rising?

As our economy begins to bounce back from COVID-19, inflation predictions will cause mortgage rates to creep up. Optimism from the COVID-19 vaccine and stimulus have the experts predicting strong economic growth. As businesses reopen and Americans get back to work, the U.S. economy will begin to recover, bringing interest rates up with it.

Am I Too Late?

There is still time to lock in a historically low rate on a 15-, 20- or 30-year fixed-rate mortgage. For well-qualified borrowers, rates remain excellent, but you should move quickly.

Tips for Buyers

If you’re in the market for a new home, you’re likely facing a competitive seller’s market as inventory levels remain low across the country. To be successful in this market, you’ll need to have patience and an open mind. Bidding wars and listings that sell in a matter of hours can leave homebuyers feeling discouraged. For those who remain flexible and diligent, homeownership is still possible in 2021. You’ll need an experienced real estate agent and a letter of pre-approval from your lender. In the end, you can still lock in a historically low rate on your new mortgage. If you’re a first-time buyer, you may qualify for even more savings. Contact our team for information on first-time buyer and down payment assistance programs.

10 02, 2021

Prepare Your Home for Selling in the Spring

2021-09-28T16:49:39+00:00February 10th, 2021|Blog, Buying a home, General, Tips & Advice|

Selling your home in the winter is usually less desirable due to the weather and fewer people looking for homes so selling in the spring is usually more common. There are steps to take to make the selling process easier and to make the home more appealing to buyers.

Deep Clean

A deep clean is more than just vacuuming and wiping down surfaces. Before selling your home, if you are not going to replace carpets then be sure to at least have them deep cleaned by a steamer. The more pristine your home looks, the more enticing to a buyer.


While you’re cleaning, remember to get rid or put away knick knacks. The less clutter a potential buyer sees, the better. Purge your closets, remove stacks of junk and put most of the personal items such as pictures and awards away as well.


Painting the inside of your home is important but you may need to touch up paint outdoors as well. Keep all shades neutral. You may love bright color palettes, but most prefer neutrals that are pleasing to the eye. These shades make a space appear bigger, brighter, and more welcoming. A fresh coat of paint will also help cover any flaws and appear as a blank slate to potential buyers.

Outside Work

The inside of the home is important, but you only get one chance for a first impression, so landscaping and curb appeal are important. If you don’t think you can landscape yourself, hire someone to do a touch up.

List It

You’ve done enough to list your home and get it sold. Now you can find your new home and plan your future move!