RALPH’S PRESS

Should you refinance your ARM into a fixed-rate mortgage?

If you’re nearing the end of the initial term on your adjustable-rate mortgage (ARM), you might be wondering if now is a good time to refinance, and whether you should switch to a fixed rate. Despite low mortgage rates, the majority of homeowners haven’t refinanced,...

Freddie Mac Home Possible mortgage: 2021 Guidelines

Today’s home buyers face plenty of obstacles. You might be worried about buying a house with low income or saving for a down payment. Maybe your credit score isn’t perfect. If you’re dealing with any of these roadblocks, a Freddie Mac Home Possible loan could be the...

14 first-time homebuyer mistakes to avoid

Buying your first home comes with many big decisions, and it can be as scary as it is exciting. It’s easy to get swept up in the whirlwind of home shopping and make mistakes that could leave you with buyer’s remorse later. If this is your first rodeo as a homebuyer —...

20 Insider Tips To Save Money on Every Part of Your Home

The expenses that come with buying, renovating, and decorating a home can add up, but fortunately, there are ways to save money every step of the way. GOBankingRates asked real estate insiders for their best tips on how to save money on every part of your home, and...

Should you get a joint mortgage?

If you’re concerned you might not qualify for (or be able to afford) a mortgage, you can consider teaming up with one or more other parties to get a joint mortgage. Here, learn what’s involved in a joint mortgage, how to qualify for one, which credit score is used and...

Disruptor Diary: “I Made It”

There is no such thing as "making it," or being a "true success." It is a constant battle we will fight to sustain even after we get to a high-income level. Every day we can be replaced, brought down, or forgotten. It’s on us to continue to improve and want more for...