Month: September 2025

As the leaves start to change and the days get shorter, fall is the perfect season to prepare your home for the months ahead. Taking a few preventative steps now can save you money, protect your investment, and give you peace of mind when winter arrives. Simple tasks like cleaning gutters, sealing windows, and servicing your heating system can go a long way in keeping your home safe and energy-efficient. Fall is also an ideal time to check your homeowners insurance coverage. With storms, colder temperatures, and holiday travel on the horizon, making sure your policy reflects your home’s current value and any recent improvements can prevent surprises later. Updating your coverage after a major home upgrade ensures you’re fully protected. Another benefit of fall prep is boosting your home’s…

For many homebuyers, student loans are a big part of their financial picture. The good news is that having student loan debt doesn’t automatically prevent you from getting a mortgage. Lenders look at how your student loan payments impact your overall debt-to-income ratio, rather than the total balance you owe. This means that managing your payments wisely can still make homeownership possible. Your debt-to-income ratio, or DTI, is the percentage of your income that goes toward paying debt each month. Even if you have a significant student loan balance, keeping your monthly payments low compared to your income can improve your chances of qualifying for a mortgage. In some cases, lenders may use income-driven repayment plans when calculating your DTI, which can work in your favor. It’s also important to…

Many homeowners consider paying extra on their mortgage as a way to get ahead financially. While this strategy can be smart for some, it’s important to weigh both the advantages and the potential drawbacks before committing. The Pros: Making additional payments can dramatically reduce the total interest you’ll pay over the life of your loan. It also helps you build equity faster, which could give you more flexibility for refinancing or borrowing against your home in the future. Beyond the financial side, paying down your mortgage early can provide peace of mind and a sense of financial freedom. The Cons: On the flip side, tying extra money into your mortgage can limit liquidity. Those funds may be harder to access if you need them for emergencies, investments, or higher-yield opportunities.…

Buying a home isn’t just about finding the right property—it’s also about timing. Different seasons bring unique opportunities and challenges for homebuyers, and understanding these can help you make smarter decisions. For example, spring is often known as the busiest time of year, with more homes hitting the market. That means more choices, but also more competition. In summer, families often rush to buy and settle before the school year begins, which can drive up demand. However, summer can also bring more open houses and flexibility with showings, making it easier to explore neighborhoods and find a fit that works for your lifestyle. Fall tends to bring a slight slowdown, which can benefit buyers looking for less competition and possibly better deals. Sellers who keep their homes on the market…