RALPH’S PRESS

According to Freddie Mac, the average 30-year fixed mortgage rate hit 4.67% last week — a high not seen since 2018. Rates are expected to continue to increase this year. This is partly due to inflation and the Federal Reserve winding down pandemic-era policies that...

Many businesses tend to focus on communications with customers, forgetting that the systems of communication within the company itself also need attention and continuous maintenance. With more employees working from home, digital communication tools are a critical...

Rates have been rising in recent weeks and spiked following Chairman Jerome Powell's speech last week where he indicated the Federal Reserve may hike rates more aggressively to combat inflation. However, that doesn't necessarily mean you should put a pause on your...

If you’re buying a home, choosing the right amount of homeowners insurance for your property is key. Buy too much, and you’re wasting cash on coverage you’ll never use. Buy too little, and if a hurricane, hailstorm, or other disaster strikes your home, your insurance...

After two years of record lows, 30-year mortgage rates have surpassed 4% and appear to still be inching up. As the Federal Reserve works to get inflation under control, it's likely that mortgage rates will remain elevated in 2022. By historic standards, however, rates...

As a buyer and a seller, you may be asking, “Can I refinance while buying a second home?” Maybe you’ve found a property that will be a killer investment at a bargain price. Or perhaps the beach cottage you’ve had your eye on for years just came on the market. Whatever...

When you're working on the computer, the “undo” button can be an invaluable tool. So can a contingency clause when you're looking to buy or sell a home. Contingency clauses provide a way for one or both parties to back out of a real estate contract if certain...

How soon can you refinance a mortgage? Maybe you just bought a house, or even refinanced recently. But it might not be too soon to refinance again. Many homeowners can refinance into a lower–rate loan with no waiting period. And others need to wait as little as six...

You finally bought the perfect midcentury modern home with a backyard spacious enough for entertaining your family and friends. And you even scored an outstanding mortgage loan with a fantastic 30-year fixed rate. Well done! So you can sit back and relax for three...

Feeling burned out? You’re not alone If you’re shopping for a home, it can be easy to get discouraged these days. Buyers are feeling the squeeze of low inventory, intense bidding wars, and ever–rising home prices. And it’s not uncommon to have multiple offers rejected...