How to Buy a Home if You Have Student Loans

February 16, 2018

If you’re a prospective first-time homebuyer but you haven’t pulled the trigger, is it because of your student loans? If so, you’re not alone. In fact, 83 percent of non-homeowners cite student loans as a factor in delaying homeownership. We’re here to tell you that you don’t have to wait! Not only are many people … Read More

Housing Market 2017 Analysis and 2018 Predictions

January 23, 2018

By: Dan Kelly Your favorite loan officers here at The Kelly Mortgage Team recently came together to analyze the 2017 housing and mortgage market and discuss what 2018 will look like. To give you the inside scoop, here is our evaluation and predictions. 2017 Analysis National Trends In the second quarter of 2017, national real estate … Read More

How A VA Loan Expert Can Help You Maximize Benefits

January 12, 2018

How A VA Loan Expert Can Help You Maximize Benefits By: Steve Gouveia and Mike Thompson Did you know that the VA Loan is, hands down, the best type of loan offered? In terms of benefits and costs, few loans can beat it. However, most of the veterans we work with don’t know specifics about … Read More

Online vs. Local

November 16, 2017

By: Jim Gallagher If you are anything like the normal American, then your life is probably busy. In an effort to curb the chaos, people often look for the easiest way to accomplish the tasks they’re facing. Mortgage shopping and applications are no different. In fact, by 2015 48 percent of borrowers chose an online lender … Read More

The State of the Mortgage Industry

October 12, 2017

By: Dan Brown 2017 has been a year of many ups and downs nationwide. The economic, political, and social changes taking place have required many industries to make adjustments. The mortgage and housing industries have had their own set of challenges during this time, and it’s important for homebuyers to be aware of these challenges … Read More

Myths that Hold Buyers Back

September 5, 2017

Written By: Tia McCormick There are a lot of myths out there when it comes to the home-buying process, some of which prevent people from making the investment. The Kelly Team at Envoy Mortgage is here to help debunk these myths so that you can confidently become a home owner. Below we’re setting the record … Read More

Benefits of Loan Consultation

July 27, 2017

Written by: Reena Shah For most people, securing a mortgage is the single most important part of buying a home (aside from choosing the home itself). With a variety of available loan types and products, you’ll probably benefit from guidance in figuring out what will work best for your situation. The Kelly Team has a … Read More

Investing in a New Home versus an Existing Home

July 6, 2017

Written By: Dan Brown A home is one of the single largest investments that a person will make in their lifetime, so it’s understandable to want to find a home you feel confident about. The best place to start is by deciding if you want to buy an existing home or build a new one. … Read More

Low Inventory Tips for Home Buyers

June 7, 2017

By: Dan Kelly The housing market is constantly changing and that includes the amount of inventory available for purchase at any given time. Although there has been a lot of activity so far in 2017, it is becoming increasingly difficult to ignore the fact that there are seemingly fewer desirable homes on the market with … Read More

Benefits of Utilizing a Buyer’s Agent and Loan Officer

May 1, 2017

Between house hunting, gathering necessary paperwork, competing with other buyers, and attempting to keep up with the ever-changing housing market, buying a home can quickly become an overwhelming (and time-consuming) process. Luckily, you can lessen your stress by enlisting the help of two individuals: An experienced buyer’s agent and a knowledgeable loan officer. Buyer’s agents … Read More