To Buy Or To Rent…That Is The Question

April 15, 2021

by Brandon Beatty Should I buy a house or continue renting? It’s a question that many are faced with, and the answer is—it depends! It’s not a one-size-fits-all answer, as many factors need to be considered, including your financial goals, stability, flexibility, and preparedness to purchase a house. Maybe you’re a recent college graduate and … Read More

Private Mortgage Insurance: A Primer

March 17, 2021

by Wally Rutecki If you plan to purchase a home, educating yourself on the mortgage and closing process can help you tremendously. In this blog, we will look at one of the many factors of the home buying process: Private Mortgage Insurance. Too many people view mortgage insurance as a negative, but it’s not, especially … Read More

Your Guide to First-Time Homebuying

December 17, 2020

By: Brandon Beatty Everyone who has purchased a home has had one thing in common: there was always a first time. It was probably a little intimidating, but it doesn’t have to be. Here are some easy tips to make the homebuying process run a bit smoother. Get everything in order: Even before you start … Read More

Why Trust the Kelly Team With Your Mortgage Needs: A Personal Touch

December 14, 2020

It can be overwhelming as you begin to look for a lender. Lots of companies can look the same from the outside, but once you get under the hood there are some major differences. There are many advantages to working with an Envoy Mortgage Professional. Here are just a few. We’re local: Instead of calling … Read More

PMI: Understanding Your Options

May 20, 2020

Author: Dan Brown As you start thinking about buying a home, the usual questions pop up. How much are you willing to spend? Where do you want to buy? His and hers sinks? And the big one—how much should you save for a down payment? That will vary per buyer, but anyone coming in under … Read More

3 Times When You Shouldn’t Put 20% Down

August 16, 2019

By: Dan Brown When it comes to homebuying, we’ve all heard this rule before: You should have 20 percent saved for the down payment. But is that absolutely necessary? Putting 20 percent down certainly has its benefits, and in some cases, it can be the optimal choice. In fact, you wouldn’t have to pay private mortgage insurance … Read More

Looking to Renovate Your Home? There are Loans to Help You Get Started

May 6, 2019

Today’s housing inventory is limited, and buyers may feel that their only options are fixer-uppers in need of renovations. For this reason, present homeowners might prefer staying put and upgrading their current homes instead. Whether you want to remodel your newly purchased home or add an addition to your current house, renovation loans can give you the funding you need … Read More

A Year in Review and Predictions for 2019

March 12, 2019

By: Dan Kelly 2018 was one of the more interesting years for the mortgage industry. For quite some time, we were blessed with a market-friendly combination of a low mortgage rate environment and a steady supply of move-in ready homes. Seemingly overnight, this combination evaporated in 2018. Rates climbed north of 5.0% and for the first … Read More

Top Things to Prepare When Buying a Home in 2019

January 11, 2019

Looking to move in 2019? Before you get too far into the process, consider your finances. Do you have enough savings to purchase a home or will you need to tap into a retirement account? Can you afford a monthly mortgage payment on top of your other bills? If you’re not sure, that’s okay. Start … Read More

Where to Begin When Buying and Selling at the Same Time

November 1, 2018

By: Steve Gouveia and Mike Thompson When buying a new home, timing is always key. And, if you are attempting to sell your current home as you’re searching for a new one, timing can become even more important. To determine if you should buy before you sell or sell before you buy, you need to take a … Read More