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Apache is functioning normally

June 9, 2023 by Brett Tams

This week, we interviewed Michael Jimenez from Xchange.loans.

Let’s get to it!

Who are you and what do you do?

I’m a co-founder and the CXO of Xchange.Loans- The online marketplace for non-performing loans. Which is still pretty opaque and vague. When a lender has an asset- typically a non-performing loan- that they want off their books they come to our marketplace to sell that asset to qualified buyers for cash. I’m in charge of user experience, sales & marketing, and lender outreach. Basically everything I never had to do in my previous CRE roles, before I embraced entrepreneurship.

What problem does your product/service solve?

We provide lenders a faster and more efficient way to liquidate their assets through a process known as a loan sale.

Loan sales are a quicker and more reliable way for a lender to be made whole, or as close to whole as possible, versus going through litigation- like foreclosure court, then to bankruptcy court, then back to foreclosure court, foreclosure auction, then having to sell the foreclosure or even worse- manage and stabilize the property prior to sale.

Taking back collateral and liquidating it is an extremely laborious, inefficient, and costly process for every lender. Lenders are built to originate and service debt, not liquidate the debt. Most lenders have no upside to the debt they originated. They’re in it for a few points of spread over an index, which isn’t much without scale.

Foreclosures in some states can take up to eighteen months without any hiccups and sometimes even years, whereas our process can be completed in as little as 4-6 weeks total. At the end of the day, our marketplace gets lenders OUT of their asset(s) and back into cash faster than any other process currently available.

What are you most excited about right now?

The thing that excites me most is that we-as in our amazing country- are moving forward at ramming speed into what appears to be an economic SUPER CYCLE. Part of this super cycle was created by the COVID-19 pandemic, but most of it was really created by decades of bad policies, poor decisions, and ‘kicking the can’. Well, we’re all out of easy-outs, workarounds, and pay-it later solutions. In the end, ALL debts must be settled and we are facing a tsunami of debt that we simply cannot pay back as promised. So we’re going to have to come up with some sort of settlement. This is precisely what we built our product for. The only surprise is the tsunami of debt is MUCH larger than we ever anticipated it to be and may hit us sooner and harder than I ever imagined. What happens? I don’t know. But I’m excited to grab my board and drop in on this massive wave. Cowabunga it is!

What’s next for you?

My primary goal is to scale my business to the point where I can hopefully take a breather and get just a little bit more work-life balance. I’ve never been a 9 – 5 guy, but the bootstrap grind is on a whole other level that I certainly underestimated. I love the grind, but I’d also love to spend a bit more time with my daughter, family & friends, my dog, and training jiu jitsu, and getting some more time to surf.

What’s a cause you’re passionate about and why?

Recapitalizing assets, opportunities and communities is my passion and fortunately my profession. Outside of that, I love teaching jiu jitsu, being a dad, and just trying to be a better Christian. Every day I rise with the goal of being a little bit better than I was the day before and I’m really looking forward to getting to the point where I can give back and have more of a positive impact on others.

Thanks to Michael for sharing his story. If you’d like to connect, find him on LinkedIn here.

We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop us a line (Community @ geekestate dot com).

Source: geekestateblog.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

Horror movies have been a staple of the film industry for decades, captivating audiences with their ability to scare, shock, and thrill. From classic black-and-white thrillers to modern-day blockbusters, horror movies haunt us with their terrifying stories and imagery. Whether you’re a horror enthusiast or simply looking for a good scare, the world of horror movies offers a wide range of options to choose from.

1. The Exorcist 

Photo Credit: Blumhouse Productions.

“The Exorcist” is a classic horror film directed by William Friedkin and released in 1973. The movie tells the story of a young girl named Regan who becomes possessed by a demon, and the efforts of a priest named Father Damien Karras to exorcise the entity from her body. The film is widely regarded as one of the best horror movies ever made due to its blend of supernatural horror and personal themes of faith and redemption. The use of practical effects and strong performances from the cast, particularly Linda Blair and Jason Miller, add to the film’s enduring legacy.

2. The Shining 

Photo Credit: Warner Bros.

“The Shining” is a 1980 horror film directed by Stanley Kubrick and is considered one of the best horror movies ever made. The movie tells the story of Jack Torrance, a writer who takes a job as a winter caretaker at the isolated Overlook Hotel with his wife and son. Kubrick’s masterful direction and use of imagery create a sense of dread and unease, complemented by the haunting score. Jack Nicholson’s unforgettable performance as Jack Torrance, the exploration of themes such as isolation and madness, and the film’s impact on pop culture all contribute to its status as a classic of cinema and a must-see for horror fans.

3. IT Chapter 1

Photo Credit: New Line Cinema.

“It Chapter 1” is a 2017 horror film directed by Andy Muschietti that follows a group of outcast kids, the Losers Club, as they try to defeat a shape-shifting entity that takes the form of a terrifying clown named Pennywise. The film’s blend of horror, humor, and heart makes it stand out in the genre. The exceptional cast, particularly the young actors who play the Losers Club, deliver powerful performances. The film explores universal themes related to childhood trauma, grief, and the power of imagination, which elevates it beyond the confines of the horror genre. Overall, “It Chapter 1” is a must-see film for horror fans and movie lovers alike.

4. The Nun 

Photo Credit: Atomic Monster.

“The Nun” is a 2018 horror film directed by Corin Hardy that takes place in 1952 Romania. It follows a young nun and a priest as they investigate the death of a nun in a secluded abbey and encounter an evil force in the form of a demonic nun. The film’s immersive atmosphere, stunning visuals, exceptional performances, and clever use of jump scares and suspense make it a modern horror classic and a must-see for horror fans.

5. Jaws

Photo Credit: Universal Pictures.

“Jaws” is a 1975 horror film directed by Steven Spielberg that takes place in a small New England town terrorized by a giant man-eating great white shark. The film’s ability to create suspense and terror through suggestion rather than explicit gore, exceptional performances, and masterful filmmaking make it a classic horror film and a must-see for fans of the genre. Its enduring popularity is a testament to its timeless storytelling and iconic scenes.

6. IT Chapter 2

Photo Credit: Warner Bros.

“IT Chapter 2” is a 2019 horror film directed by Andy Muschietti and based on the novel by Stephen King. The film follows the adult versions of the Losers Club as they return to Derry, Maine to confront the shape-shifting entity known as Pennywise the Clown. The film’s exceptional cast, and the blend of horror and heart make it one of the best horror movies ever made.

7. A Quiet Place

Photo Credit: Platinum Dunes.

“A Quiet Place” is a 2018 horror film directed by John Krasinski, set in a post-apocalyptic world where creatures hunt by sound. The film’s use of sound and unique premise creates a tense and immersive atmosphere, while exceptional performances by the cast, particularly Emily Blunt and Millicent Simmonds, add depth to the characters. The exploration of themes such as family, sacrifice, and survival make it not just a horror movie, but a thoughtful drama.

8. The Sixth Sense 

Photo Credit: Hollywood Pictures.

The Sixth Sense was produced in 1999 by Barry Mendel, Kathleen Kennedy and Frank Marshall. It’s the story of a young boy who receives visits from ghosts. He’s too afraid to tell anybody but the child psychologist, who listens to the boy and tries to help him. Dark secrets about the miscommunication of ghosts are waiting for them, and the movie cleverly lays down clues about the twist that occurs at the end. A clever plot and suspence make this horror movie a must-see for enthusiasts!

9. World War Z

Photo Credit: Plan B Entertainment.

“World War Z” is a 2013 horror film directed by Marc Forster and is considered one of the great horror movies of the past decade. The movie follows a former United Nations employee’s journey as he travels across the globe in search of a cure for a zombie pandemic while trying to protect his family. The film’s strengths include the intensity of the action, impressive special effects, a fast-paced and suspenseful storyline, and engaging performances, particularly by Brad Pitt. The exploration of themes such as survival, sacrifice, and the consequences of human actions adds a level of depth and complexity to the movie. Furthermore, the film has had a significant impact on the zombie sub-genre of horror movies and inspired numerous films, TV shows, and video games.

10. Hereditary 

Photo Credit: Hereditary.

“Hereditary” is a 2018 horror film directed by Ari Aster and is considered one of the great horror movies of recent times. The movie follows the Graham family as they struggle with their grief and the unsettling events that follow the death of the grandmother. The film’s direction, masterful use of symbolism, cinematography, and score create a sense of unease and dread throughout the film. Toni Collette delivers a powerful performance as the mother, Annie, whose family is haunted by dark secrets and a sinister presence. The movie’s impact is long-lasting, inspiring discussions and debates among viewers about its meaning and themes. 

From the classic supernatural horror of “The Exorcist” to the post-apocalyptic tension of “A Quiet Place,” these films have captivated audiences with their ability to scare, shock, and thrill. These movies continue to inspire new generations of horror filmmakers and enthusiasts, and their legacy is a testament to the power of storytelling and the enduring appeal of the horror genre.

These are 10 Things That Completely Destroyed The Love in a Relationship

Photo Credit: Shutterstock.

There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

10 Actors and Actresses People Refuse to Watch Ever Again

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

Top 10 Worst Human Inventions of All Time

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

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Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.



About the Author



Dan Williams



Source: financequickfix.com

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Apache is functioning normally

June 8, 2023 by Brett Tams

Cosigning A Loan - Read This Before Being A Cosigner

Cosigning A Loan - Read This Before Being A CosignerRecently, the topic of cosigning a loan came up in a conversation I was having with a friend. Someone I know of cosigned a loan for another person, and now the original borrower isn’t paying any of the monthly payments. They are doing this on purpose – to get back at the person who cosigned a loan for them because of a recent falling out.

The above may sound crazy, but I have heard many stories where a person cosigned a loan and it went badly. Being a cosigner can have many consequences.

I did some research to see if there were any others who had shared crazy cosigning stories. I came across Learnvest’s article The Mistake That Plunged My Credit Score 200 Points. If you don’t believe me after reading today’s post that cosigning a loan, in general, is a bad idea, I recommend you read that article plus all of the comments on it.

Here’s a little snippet from that article:

It wasn’t until the fall of 2009, when I was thinking about getting satellite television, that I checked my credit report and discovered $10,000 in past due payments. My friend had missed not one, not two, but three mortgage payments!

Another interesting post is one I found on Reddit titled Co-Signing on a loan mistake.

As you can see, there are many who have an unfortunate story to share.

Here’s what you need to know about cosigning a loan.

What is a cosigner?

A cosigner is someone who agrees to be on a loan with another person so that they are more likely to be approved. For example, if your friend can only get a car with a cosigner (either due to them having a low credit score, not making enough money, etc.), then they may ask you to cosign so they can get approved.

However, a cosigner is agreeing to pay off the debt if the original borrower is unable to pay it in the future. So, even if the original borrower doesn’t pay a penny, the cosigner would have to make all of the payments or risk being sued, credit report damage, and more.

Related: Paying Off Debt And Budgeting: Tricks For Staying Motivated

Cosigning a loan may prevent you from being approved for future loans.

If you are thinking about buying a house, car, or something else soon that will need to be financed, you should think long and hard before you decide to be a cosigner on someone else’s loan.

This is for multiple reasons.

One, if the person doesn’t pay the monthly bills on time then you may be rejected for a loan in the future. Missed payments can damage your credit score and your credit report.

Two, your debt-to-income ratio will increase. So, even if your friend/family member pays every single bill on time, your debt to income ratio will increase and this may prevent a lender from approving your loan because they will think you have too much debt on your plate.

Being a cosigner isn’t something you can easily get rid of.

There’s not much you can do to remove yourself from a loan that you cosigned on. If the person isn’t making payments, you are stuck with it for the most part.

The loan would have to be refinanced to get your name off of it in most cases and there are many horror stories out there where the original borrower refused to refinance because then they wouldn’t be able to force the cosigner to continue to pay the monthly bill.

Plus, there are instances in which refinancing is impossible because of values tanking, the economy changing, and so on. So, while the original borrower may want to get you off the loan and refinance, it’s entirely up to the lender.

Cosigning a loan can ruin relationships.

Many cosigning relationships go sour. I have heard of many stories where someone cosigned a loan for someone else and then didn’t talk to them for decades because of a falling out of some sort.

I have always been a firm believer that money and relationships do not mix well. If you are going to cosign or lend money to someone then you should consider it a gift because there is a chance that you will never see that money again.

Cosigning a loan is up to you.

Everyone always feels like all of the cosigning horror stories out there would never happen to them. However, isn’t that how you think all cosigners felt at one time as well?

It’s up to each individual person to decide if they will cosign. However, I want you to remember that if you cosign then you should make sure that you can afford to make the monthly payment.

You never know – one day you may be making them. The original borrower may be a great person, but they may lose their job, have an unexpected expense come up, or something else that prevents them from paying their bills.

Cosigning a loan may not always be bad. However, I believe it’s better to realize what the consequences may be. It’s always better to be prepared!

Would you ever try cosigning a loan and being a cosigner? Why or why not?

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Apache is functioning normally

June 8, 2023 by Brett Tams

Fannie Mae has tapped Chetlur S. Ragavan to serve as a member of its board of directors, as well as its risk policy and capital committee and nominating and corporate governance committee. Ragavan, the founder and principal of advisory and consulting firm Risk Response, comes to the role with decades of experience in enterprise risk … [Read more…]

Posted in: Refinance, Savings Account Tagged: before, Board of directors, Career, decades, education, experience, Fannie Mae, Financial Services, Financial Wize, FinancialWize, in, leadership, lynch, member, merrill, new, president, principal, retirement, risk, Risk management

Apache is functioning normally

June 8, 2023 by Brett Tams

National mortgage rates were mostly lower compared to a week ago, according to data compiled by Bankrate. Rates for 30-year fixed, 15-year fixed and jumbo loans moved lower, while rates for adjustable rate mortgages rose.

The Federal Reserve has lifted rates 10 times in a row, most recently at its May 3 meeting. Rates now are at a 15-year high, but the consensus is that inflation is finally cooling and the central bank might halt raising rates.

”Mortgage rates have settled into a new normal of around 6.5 percent on a 30-year fixed-rate loan,” says Lisa Sturtevant, chief economist at Bright MLS, a large multiple listing service in the Middle Atlantic region. ”With growing recession risks, we could see mortgage rates dip lower, but we will not be returning to the 3 percent level seen during the height of the pandemic.”

Rates last updated on June 7, 2023.

The rates listed above are marketplace averages based on the assumptions indicated here. Actual rates listed across the site may vary. This story has been reviewed by Suzanne De Vita. All rate data accurate as of Wednesday, June 7th, 2023 at 7:30 a.m.

>>Check out historical mortgage interest rate trends, from the 70s to today

You can save thousands of dollars over the life of your mortgage by getting at least three rate quotes. Comparing mortgage offers from multiple lenders is always a smart move, but shopping around grew especially critical during the interest rate run-up of 2022, according to research by mortgage giant Freddie Mac. It found the payoff for bargain-huntng borrowers doubled last year.

“All too often, some homeowners take the path of least resistance when seeking a mortgage, in part because the process of buying a home can be stressful, complicated and time-consuming,” says Mark Hamrick, senior economic analyst for Bankrate. “But when we’re talking about the potential of saving a lot of money, seeking the best deal on a mortgage has an excellent return on investment. Why leave that money on the table when all it takes is a bit more effort to shop around for the best rate, or lowest cost, on a mortgage?”

Mortgage rates for home purchase

30-year mortgage rate dips, -0.11%

The average 30-year fixed-mortgage rate is 7.02 percent, down 11 basis points since the same time last week. A month ago, the average rate on a 30-year fixed mortgage was lower, at 6.89 percent.

At the current average rate, you’ll pay $666.65 per month in principal and interest for every $100,000 you borrow. That’s a decline of $7.41 from last week.

15-year fixed mortgage falls,-0.11%

The average rate you’ll pay for a 15-year fixed mortgage is 6.38 percent, down 11 basis points since the same time last week.

Monthly payments on a 15-year fixed mortgage at that rate will cost roughly $865 per $100,000 borrowed. The bigger payment may be a little harder to find room for in your monthly budget than a 30-year mortgage payment would, but it comes with some big advantages: You’ll come out several thousand dollars ahead over the life of the loan in total interest paid and build equity much more rapidly.

5/1 ARM rate rises, +0.02%

The average rate on a 5/1 adjustable rate mortgage is 6.06 percent, ticking up 2 basis points over the last 7 days.

Adjustable-rate mortgages, or ARMs, are home loans that come with a floating interest rate. In other words, the interest rate can change intermittently throughout the life of the loan, unlike fixed-rate mortgages. These types of loans are best for those who expect to sell or refinance before the first or second adjustment. Rates could be substantially higher when the loan first adjusts, and thereafter.

While borrowers shunned ARMs during the pandemic days of super-low rates, this type of loan has made a comeback as mortgage rates have risen.

Monthly payments on a 5/1 ARM at 6.06 percent would cost about $603 for each $100,000 borrowed over the initial five years, but could increase by hundreds of dollars afterward, depending on the loan’s terms.

Jumbo mortgage interest rate moves down, -0.08%

The average rate for the benchmark jumbo mortgage is 7.03 percent, a decrease of 8 basis points over the last week. A month ago, the average rate was below that, at 6.93 percent.

At the average rate today for a jumbo loan, you’ll pay $667.32 per month in principal and interest for every $100,000 you borrow. That represents a decline of $5.39 over what it would have been last week.

Rate review: How mortgage rates have shifted

  • 30-year fixed mortgage rate: 7.02%, down from 7.13% last week, -0.11
  • 15-year fixed mortgage rate: 6.38%, down from 6.49% last week, -0.11
  • 5/1 ARM mortgage rate: 6.06%, up from 6.04% last week, +0.02
  • Jumbo mortgage rate: 7.03%, down from 7.11% last week, -0.08

Refinance rates

30-year mortgage refinance drops, –0.08%

The average 30-year fixed-refinance rate is 7.11 percent, down 8 basis points over the last seven days. A month ago, the average rate on a 30-year fixed refinance was lower, at 7.02 percent.

At the current average rate, you’ll pay $672.71 per month in principal and interest for every $100,000 you borrow. That’s down $5.40 from what it would have been last week.

Where mortgage rates are headed

The days of sub-3 percent mortgage interest on the 30-year fixed are behind us, and rates have so far risen beyond 7 percent in 2022.

“Low interest rates were the medicine for economic recovery following the financial crisis, but it was a slow recovery so rates never went up very far,” says McBride. “The rebound in the economy, and especially inflation, in the late pandemic stages has been very pronounced, and we now have a backdrop of mortgage rates rising at the fastest pace in decades.”

Comparing different mortgage terms

The 30-year fixed-rate mortgage is the most popular loan for homeowners. This mortgage has a number of advantages. Among them:

  • Lower monthly payment: Compared to a shorter term, such as 15 years, the 30-year mortgage offers lower payments spread over time.
  • Stability: With a 30-year mortgage, you lock in a consistent principal and interest payment. Because of the predictability, you can plan your housing expenses for the long term. Remember: Your monthly housing payment can change if your homeowners insurance and property taxes go up or, less likely, down.
  • Buying power: With lower payments, you can qualify for a larger loan amount and a more expensive home.
  • Flexibility: Lower monthly payments can free up some of your monthly budget for other goals, like saving for emergencies, retirement, college tuition or home repairs and maintenance.
  • Strategic use of debt: Some argue that Americans focus too much on paying down their mortgages rather than adding to their retirement accounts. A 30-year fixed mortgage with a smaller monthly payment can allow you to save more for retirement.

That said, shorter-term loans have gained popularity as rates have been historically low. Although they have higher monthly payments compared to 30-year mortgages, there are some big benefits if you can afford the upfront costs. Shorter-term loans can help you achieve:

  • Greatly reduced interest costs: Because you pay off the loan faster, you’ll be able to pay less interest overall.
  • Lower interest rate: On top of less time for that interest to compound, most lenders price shorter-term mortgages with lower rates.
  • Build equity faster: The faster you pay off your mortgage, the faster you’ll own value in your home outright. That’s especially handy if you want to borrow against your property to fund other spending.
  • Debt-free sooner: A shorter-term mortgage means you’ll own your house free and clear sooner than you would with a longer-term loan.

How do mortgage rates affect homebuyers?

In a housing boom, low mortgage rates can present pros and cons for borrowers. One pro: Low rates give borrowers more buying power. A $300,000 loan at 4 percent equates to a monthly payment of $1,432. If rates fall to 3 percent, the payment plunges to $1,265.

However, that sort of decline also can help push up home prices — and values indeed have jumped in recent months.

Here’s an example to show how soaring home prices and plunging mortgage rates can have offsetting effects. Let’s say you chose not to buy a $300,000 home a year ago, when the 30-year mortgage rate was around 3.75 percent. Your 20 percent down payment would’ve been $60,000 and your monthly payment would’ve been $1,111.

The price of the same house has jumped to $335,000 today. However, you can get a 30-year mortgage at 3 percent. As a result, your monthly payment rises only slightly, to $1,130. However, you’ll have to come up with an extra $7,000 to make a 20 percent down payment.

Learn more:

Today’s featured lenders, June 7, 2023

Source: bankrate.com

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Apache is functioning normally

June 8, 2023 by Brett Tams

Disney’s new live-action version of “The Little Mermaid” is bringing a new generation of fans under the surface and into the timeless, classic story.

If seeing “The Little Mermaid” on the big screen isn’t quite enough for you, then you can book a trip to go “Under the Sea” where life is the bubbles. There are vacation destinations worldwide where you can hang out with mermaids or sometimes even learn to swim, just like Ariel and her mer-friends.

We can’t guarantee that a hot crustacean band will randomly burst into song, but we can bet you’ll have a fin-flipping good time.

Orlando World Center Marriott — Orlando, Florida

ORLANDO WORLD CENTER MARRIOTT

Less than 2 miles from Walt Disney World at the Orlando World Center Marriott, guests can meet “real” mermaids during Mermaids & Glow pool parties on select Saturday nights throughout 2023. Parties are at the Falls Pool and include meet-and-greet photo opportunities with the mermaids, pool games, arts and crafts, glow face painting, giveaways and more.

You can browse details and party dates on the hotel’s website.

Pullman Maldives Maamutaa — Maldives

PULLMAN MALDIVES MAAMUTAA

Guests of the all-inclusive Pullman Maldives Maamutaa resort can learn how to become a mermaid in one of four different PADI-certified courses, ranging from beginner to advanced. Guests can test their fins in the PADI Discover Mermaid Experience or take their mer-lessons a step further by completing the full series of mermaid certifications. Beginner courses are designed for guests ages six and older, while more advanced courses require a higher minimum age.

If your schedule doesn’t allow for a full mermaid lesson, you can also schedule a swimming session with the resort’s “real-life” mermaids. Or, opt for a mermaid photo shoot that includes the use of a beautiful, shimmering mermaid tail and 10 digital photos in the resort’s swimming pool.

Kimpton Vero Beach Hotel + Spa — Vero Beach, Florida

KIMPTON VERO BEACH HOTEL + SPA

The Mermaid For a Day program at the Kimpton Vero Beach Hotel & Spa lets guests ages 6 to 10 “experience the magic of mermaids” with a one-hour group mermaid session that includes a commemorative photo.

Guests can also book the overnight Mermaid For a Day Getaway, which includes a mermaid-themed welcome gift and a colorful mermaid tail for your child to take home. Make reservations for the one-hour experience and the overnight package by calling or emailing the hotel directly.

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Hyatt Regency Maui Resort and Spa — Maui, Hawaii

THE MINDFUL MERMAID

Guests of the Hyatt Regency Maui Resort and Spa can choose from a variety of mermaiding courses designed for a range of ages and skill levels.

There is a Mini Mermaid Class (starting at $109 per person) for children ages 4 to 7 and a Social Media Mermaid Class (starting at $149 per person) that focuses on creating photos and videos for teens and adults. There is also a Beginner Mermaid Class (starting at $149 per person) that focuses on swimming skills for guests ages 8 and older. All classes take place in the resort’s lagoon-style pool.

Mermaid Freedive — Florida (various locations)

If your travels take you to Florida, Mermaid Freedive offers courses, retreats and photo shoots for all skill levels at locations across the state.

You can view the full list of courses on the Mermaid Freedive website. Some options include introductory courses at the Hilton West Palm Beach for children ages 6 to 9 and weekend-long mermaid retreats for adults in North Florida’s natural spring waters. No matter which course you choose, you’ll earn an official PADI mermaid certification after completion.

Four Seasons Bora Bora — Bora Bora, Tahiti

Later this year, guests of the Four Seasons Bora Bora will be able to become PADI-certified mermaids.

No matter your skill level, there will be a class that helps you feel comfortable embracing your mer-sona in the resort’s gorgeous, crystal-clear lagoon. The turquoise waters and the marine life swimming below the surface make a beautiful setting for learning to swim like a mermaid.

Silverton Mermaid School — Las Vegas, Nevada

SILVERTON CASINO HOTEL

The Silverton Casino Hotel in Las Vegas is well-known for its mesmerizing mermaid shows. The casino is home to a 117,000-gallon saltwater aquarium with thousands of marine animals, including some very special mermaids. For those who dream of joining their ranks, Silverton holds a 90-minute mermaid experience for visitors ages 7 and older at the Silverton Mermaid School.

Prices start at $175 but vary depending on which class type you choose, and you do not need to be a guest of the hotel to visit the Silverton Mermaid School.

Weeki Wachee Springs State Park — Weeki Wachee, Florida

For decades, people have traveled to Weeki Wachee Springs to see the world-famous mermaid show. However, watching from the other side of the glass just isn’t enough for some visitors. Luckily, Weeki Wachee’s Sirens of the Deep Mermaid Camp allows mer-curious guests to become mermaids during a two-day camp.

The camp is designed for adults ages 30 and older and includes underwater training sessions where you will learn the basic moves that Weeki Wachee mermaids perform during their shows. Former Weeki Wachee mermaids teach the sessions, which occur in Weeki Wachee’s freshwater springs.

Bottom line

Whether your kids are Ariel-obsessed or you want to realize a lifelong dream of donning fins and reliving the days you perfected your mermaid hair flip in the pool, there are vacation spots all over the world that can help you become a mermaid for a day. Whatever you do, though, don’t take relationship advice from evil sea witches.

Related reading:

Source: thepointsguy.com

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Apache is functioning normally

June 8, 2023 by Brett Tams

After finding holes in our second set of seven-year-old sheets, I decided it was time to go sheet shopping. With quality ranging from my elastic-only-in-the-corners polyester blend to sheets created by Italian artisans and prices to match, I wanted to get the best, most durable set for my money.

The Cotton Tale

After inspecting the labels of all my sheet sets, I found my favorites were made of 100% cotton.

And I’m in good company, because cotton makes up the majority of bedding options. But not all cottons are equal. The length of cotton fibers (called the “staple”) differs and, in general, the longer the fiber length, the softer and more durable the fabric.

If you’re looking for less pilling and greater durability, Pima cotton, Supima cotton, and Egyptian cotton are reputed to be high-quality cottons. Egyptian cotton, in particular, has fine, silky, extra-long staple fibers, and Egyptian cotton venders claim their sheets last decades. My set of Egyptian cotton sheets were the first to develop holes, but they felt awesome.

How will you know which cotton is used in your sheets? If the label does not specify the type of cotton, you can assume it is lower quality cotton (most cotton grown in the U.S. is upland cotton, a shorter staple variety).

Cotton is popular because it resists stains and wicks moisture away from your body as you sleep. Though far less common, sheets made of silk and linen also have these moisture-wicking characteristics.

As I read many top-performing sheet reviews, I discovered the main complaint for cotton sheets was wrinkles. No big surprise there.

What did surprise me was that some cotton sheets are treated to resist wrinkles, but these sheets may have formaldehyde on them. Plus, wrinkle-resistant treatments often result in sheets that are less comfortable. A natural solution for fewer wrinkles is to take sheets out of the dryer while they’re still slightly damp and put them immediately on your bed. Or you can iron them, of course. Another less-wrinkly, but less moisture-wicking (how many times can I put “moisture-wicking” in one article?) option is a cotton/polyester blend.

Though cotton bedding is the most popular, other fabric options exist. Silk, while hypoallergenic, is pricey. Some people love the eco-friendly linen bedding, though it’s also more expensive than cotton. Some people even like satin sheets to cry on. Synthetic fabrics, like polyester, are inexpensive alternatives, but pill more easily.

Threads Up!

Thread count is the number of fibers per square inch of fabric, and I thought more is better. And it does matter…to a point.

Most people agree that good quality sheets have a thread count of at least 200, while the best thread count is 300-400. Beyond 400, though, manufacturers are probably using multi-ply fibers to increase the thread count which may slightly increase durability at the expense of stiffer fabric.

Note: During this research, I did find a website that claimed their 1500 thread count used single-ply thread. However, most sources said that manufacturers would find it difficult to put 1500 single-ply threads in a square inch. I found other sites that admitted using two-ply thread for a thread count of 800.

Other Quality Indicators

So more $$$ doesn’t necessarily equal more Zzzzzzs, as my holey Egyptian sheets demonstrate. Type of fiber and thread count do matter. But don’t forget about weave type and stitching.

Weave type
If you like crisp sheets, go with percale weave. If you like soft, go with sateen.

  • Standard weave is strong and even, one stitch over and one under
  • Percale weave, used at thread counts of at least 200, is tighter and more crisp than standard
  • Sateen sheets have more vertical than horizontal fibers, resulting in a very soft sheen, but is more likely to pill or tear
  • Patterned weaves, like jacquard or damask, are very expensive but very durable

Craftsmanship
My set of sheets with elastic only at the corners pops off the mattress after a restless night, so my next set of sheets will have elastic all the way around. Also, look for double-stitched hems and pillowcases. With pillow top mattresses, especially, the sheets should have a pocket depth deep enough (add at least two inches to your mattress depth) to cover your mattress.

Finishing touch
Mercerizing strengthens the fabric and adds luster. Wrinkle resistance and shrinkage control have their advantages, but may result in less comfortable fabrics. If you select sheets with a pure-finish label, it ensures that chemicals were not used in the manufacturing process or all traces of chemicals have been removed.

The Bottom Line

Although everyone’s preferences are different from mine, I decided I wanted high-quality (but not organic) cotton, percale weave, and a thread count of at least 200. In the end, I picked the “best cotton percale sheets” from one vendor because I am not sure if I will like the crispness of percale. I am glad L.L. Bean offers such a great guarantee if I like sateen weave better after all.

At $150 per set, I’ll admit my choice doesn’t seem incredibly frugal. If they last 10 years though, they’ll cost less than a nickel for each good night’s sleep.

On the other hand, I feel crazy for spending that much money on sheets when Walmart has a microfiber sheet set for less than $22. Decent reviews, but 100% polyester. Sure, I prefer 100% cotton, but do I prefer it enough to spend $128 more to get it? Which set would last longer?
I’ll have to sleep on this decision.

Do your sheets help you get a good night’s sleep? Has anyone tried linen? Did I miss any other important factors?

Source: getrichslowly.org

Posted in: VA Loans Tagged: About, All, Alternatives, bed, bedding, best, big, Blend, choice, company, cost, decades, decision, double, eco, eco-friendly, expense, expensive, Financial Wize, FinancialWize, friendly, frugal, General, good, great, HEMS, Home & Garden, How To, in, LOWER, Main, manufacturing, money, More, most popular, natural, offers, or, Other, pillow, Popular, Prices, quality, Research, Reviews, second, sheets, shopping, single, Sites, sleep, Spending, square, stains, time, under, walmart, will

Apache is functioning normally

June 8, 2023 by Brett Tams

LOS ANGELES — The average long-term U.S. mortgage rate rose this week to its highest level since mid March, driving up borrowing costs for prospective homebuyers facing a housing market that’s constrained by a dearth of homes for sale.

Mortgage buyer Freddie Mac said Thursday that the average rate on the benchmark 30-year home loan rose to 6.57% from 6.39% last week. The average rate a year ago was 5.10%.

High rates can add hundreds of dollars a month in costs for homebuyers, limiting how much buyers can afford in a market that remains unaffordable to many Americans after years of soaring home prices and limited housing inventory.

The median monthly payment listed on applications for home purchase loans in April rose to $2,112, up nearly 12% from a year ago and a 0.9% increase from March, the Mortgage Bankers Association said Thursday.

The average rate on a 30-year home loan has risen two weeks in a row, echoing moves in the 10-year Treasury yield, which lenders use as a guide to pricing loans.

The 10-year Treasury yield has been mostly rising of late, climbing to 3.79% in afternoon trading Thursday. Two weeks ago, it was at 3.39%.

The move up in bond yields comes as investors react to stronger-than-expected economic data and the implications that could have on whether the Federal Reserve will raise interest rates again next month.

Bond traders are also factoring in the possibility that the U.S. government may default on its debt as the White House and GOP leadership wrangle over a deal to raise the federal government’s debt ceiling so it can avoid an unprecedented default as soon as June 1.

“The U.S. economy is showing continued resilience which, combined with debt ceiling concerns, led to higher mortgage rates this week,” said Sam Khater, Freddie Mac’s chief economist.

Jitters over the possibility that the government ends up defaulting on its debt could cause creditors to ask for higher interest rates on U.S. Treasury bonds, which could lead to a “significant increase” in borrowing costs, including mortgages, said Jiayi Xu, an economist at Realtor.com.

“Resolving the debt impasse sooner, rather than later, would mitigate potential adverse effects on the housing market, which is already contending with high prices and elevated mortgage rates,” Xu said.

Investors’ expectations for future inflation, global demand for U.S. Treasurys and what the Fed does with interest rates influence rates on home loans.

The Fed has raised its benchmark interest rate 10 times in 14 months. At its last meeting of policymakers, the central bank signaled that it could finally pause its yearlong campaign of rate hikes, though a pause would likely only nudge mortgage rates slightly lower.

Low mortgage rates helped fuel the housing market for much of the past decade, easing the way for borrowers to finance ever-higher home prices. That trend began to reverse a little over a year ago, when the Fed started to hike its key short-term rate in a bid to slow the economy and cool the highest inflation in four decades.

The spring homebuying season got off to a lackluster start this year as prospective buyers grappled with higher borrowing costs and a near record-low inventory of homes on the market.

Sales of previously occupied U.S. homes fell 23.2% in the 12 months ended in April, marking nine straight months of annual sales declines of 20% or more, according to the National Association of Realtors. The national median home price fell to $388,800 last month — down 1.7% from a year earlier and the biggest year-over-year drop since January 2012.

The modest pullback in home prices reflects heated competition among buyers, especially those vying for the most affordable homes. At least one-third of the homes sold last month went for more than their list price, according to the NAR.

The average rate on 15-year fixed-rate mortgages, popular with those refinancing their homes, rose to 5.97% this week from 5.75% last week. A year ago, it averaged 4.31%, Freddie Mac said.

Source: abcnews.go.com

Posted in: Renting Tagged: 15-year, 2, 30-year, affordable, affordable homes, Applications, ask, average, Bank, bond, bond yields, bonds, borrowers, borrowing, buyer, buyers, Competition, creditors, data, Debt, debt ceiling, decades, driving, Economy, expectations, fed, Federal Reserve, Finance, Financial Wize, FinancialWize, fixed, Freddie Mac, future, government, guide, home, home loan, home loans, Home Price, home prices, home purchase, Homebuyers, homebuying, homes, homes for sale, house, Housing, Housing inventory, Housing market, in, Inflation, interest, interest rate, interest rates, inventory, investors, leadership, lenders, list, list price, loan, Loans, LOS, los angeles, low, Low inventory, low mortgage rates, LOWER, market, median home price, More, Mortgage, Mortgage Bankers Association, MORTGAGE RATE, Mortgage Rates, Mortgages, Move, NAR, National Association of Realtors, News, or, policymakers, Popular, price, Prices, Purchase, Purchase loans, Raise, rate, Rate Hikes, Rates, realtor, Realtor.com, Realtors, refinancing, Reverse, rose, sale, sales, Sam Khater, short, soaring, Spring, The Economy, the fed, trading, Treasury, Treasury bonds, Treasurys, trend, U.S. Treasury, white, white house, will

Apache is functioning normally

June 8, 2023 by Brett Tams

The unofficial start of summer is finally upon us, and not a moment too soon! School is (almost) out, the sun is high, and surf and sand are calling. Thoughts of your own little beach house might be very much on your mind, especially right now. But then reality intrudes: Who can afford that? Well, you could be surprised.

We found five ideal seaside dwellings that are remarkably well priced—all below a million dollars.

And one of the great things about most of these houses is that you can try before you buy. Most are available for short-term rental, and some come fully furnished.

Of course, this means that these well-appointed and perfectly located beachfront homes generate income, which can help with your house payments.

You can almost smell the salt air and hear the waves as you browse our list. Dive in!

Price: $949,000
Yachats rocks:
Directly overlooking the beach on the dramatic Oregon coast, this newly renovated, four-bedroom, three-bath home has everything you need for a stylish escape for a weekend, or for decades to come.

Located on a bluff above the ocean, the home features a short path to the beach. It’s about 1.5 hours from Corvallis and three hours from Portland.

Expansive windows and decks with built-in seating allow you sweeping vistas of the ocean. You can also take in the views from one of two primary suites. Everything feels freshly new and nautical inside this 2,034-square-foot seaside home.

Yachats, OR

(Realtor.com)


Price: $750,000
Cozy in Carrabelle:
What appears to be a quaint seaside cottage on stilts is actually a decent-size domain with three bedrooms and three baths. The acre lot comes with three outbuildings and covered parking for your car, boat, or RV.

You might never want to leave this retreat, with its beautiful tongue-and-groove ceilings and wood floors. Standout features include a loft bedroom, three sunrooms, and remarkable views of the private beach and Saint George Sound.

It’s located in the town of Carrabelle, which prides itself on being “Florida Panhandle’s Gateway to the Gulf” and is known for its off-shore fishing and sugar-white sand.

Carrabelle, FL

(Realtor.com)


Price: $999,000
Spend nights in Rodanthe:
Remember that Nicolas Sparks novel made into an iconic rom-com starring Diane Lane and Richard Gere, called “Nights in Rodanthe”? In this traditional-style, shingled beach house, you can write your own romance.

Or you could let others create some seaside drama, as this six-bedroom, 4.5-bath, 2,924-square-foot home has a heart-racing rental history—$124,000 so far, with $85,000 already on the books for 2023. Hatteras Island on the famous Outer Banks is a well-documented vacation paradise.

You and your guests will enjoy taking long walks on the beach, just steps outside the door, and sunrise views from the east-facing windows and decks. There are also plenty of places to snuggle—including a great room and several seating areas.

Rodanthe, NC

(Realtor.com)


Price: $750,000
Delightful on Dauphin Island:
This beach house supports itself, not just literally on the stilts that keep it above the high tides, but also financially with its vacation rental income ($125,000 as of 2022).

The four-bedroom, three-bath house sits on a sandy spit of Dauphin Island, which stretches from the Mississippi Sound to the Gulf of Mexico. It’s a short walk across the sand from one body of water to the other.

This cottage is rustic chic on the outside and resort luxe on the inside. It features a comfortable main suite, a marble island and breakfast bar in the kitchen, and all-new bathrooms. It comes with all the furnishings, accessories, and artwork, so it’s totally turnkey.

Dauphin Island, AL

(Realtor.com)


Price: $579,000
Best beach buy:
South of Tallahassee on the Gulf of Mexico sits this three-bedroom, two-bath abode with direct access to the ocean and a terrific spot for fishing.

The elevated home comes with an outdoor shower and a sink below, so you can catch, clean, and cook without making a mess in the indoor kitchen.

The screened porch off the great room features remarkable views. Inside, there are vaulted ceilings and low-maintenance tile flooring. This is also a well-established vacation rental property, and all the furniture is included in the very reasonable asking price.

Realtor.comRealtor.com
Alligator Point, FL

(Realtor.com)

Source: realtor.com

Posted in: Checking Account Tagged: 2, 2022, 2023, About, air, al, All, asking price, banks, bar, Bathrooms, beach, beach house, beach houses, bedroom, Bedrooms, before, Books, breakfast, Built, Buy, car, ceilings, Clean, decades, decks, Features, Financial Wize, FinancialWize, fishing, fl, flooring, Florida, furniture, great, guests, history, home, home features, homes, hours, house, in, Income, kitchen, list, loft, low, Main, maintenance, making, marble, mess, mississippi, NC, new, or, Oregon, Other, outdoor, payments, porch, price, Prices, property, realtor, Realtor.com, rental, rental history, rental property, right, room, RV, save, School, seating, short, short-term rental, shower, South, square, Style, suite, summer, tallahassee, tile, town, traditional, vacation, waves, white, will, windows, wood

Apache is functioning normally

June 7, 2023 by Brett Tams

Mortgage rates rose at their fastest pace in decades in 2022 and if only one thing could take the blame, it would be inflation.  There are several ways to link inflation to upward pressure on rates, but the simplest is to consider that rates are based on bonds and inflation lowers the value of bonds.

In other words, if you are an investor who buys mortgages, you might be willing to accept a 6.5% rate of return today.  Now let’s say inflation skyrockets.  If you still charge 6.5%, the payments you receive will buy a lot less “stuff.”  So you have to increase your rates in order to get the same financial benefit.

Because of the inflation focus, the biggest inflation reports have been closely-watched indicator for rate momentum for more than a year now.  None are bigger than the Consumer Price Index (CPI), and the latest installment will be out on Wednesday morning, May 10th, at 8:30am Eastern Time. 

There is always a catalog of multiple professional forecasts for big economic reports.  Markets adjust to those forecast levels, or close to them well ahead of the official release of the data.  Then if the data hits the forecast, markets don’t need to move much.  But if CPI were to fall much higher or lower than forecast, the market would view this as an indication that inflation was trending higher or lower relative to previous expectations.  Rates would react accordingly (i.e. higher for high inflation and lower for low inflation). The farther from forecast the actual number falls, the bigger the reaction could be.  

As for today, there was just a bit of extra upward momentum for interest rates with the average lender moving up by less than an eighth of a percent for a conventional 30yr fixed loan.  This level of volatility isn’t really worth writing home about considering how big Wednesday might be.

Source: mortgagenewsdaily.com

Posted in: Renting Tagged: 2022, About, actual, average, big, bonds, Buy, Consumer Price Index, data, decades, expectations, Fall, Financial Wize, FinancialWize, fixed, Forecast, Forecasts, home, in, index, Inflation, interest, interest rates, Investor, loan, low, LOWER, market, markets, More, Mortgage, Mortgage News, Mortgage Rates, Mortgages, Move, Moving, News, or, Other, payments, percent, pressure, price, rate, rate of return, Rates, return, rise, rose, time, value, volatility, will
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