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10
December 2019

A 365 Day Difference in Homeownership

Over the past year, mortgage rates have fallen more than a full percentage point. This is a great driver for homeownership, as today’s low rates provide consumers with some significant benefits. Here’s a look at three of them: Refinance: If you already own a home, you may want to decide if you’re going to refinance. […]
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9
December 2019

Pros and cons of digital mortgages by Larry Phillips at Mortgage Reports

Larry Phillips, a Mortgage Reports Contributor posted a very interesting article entitled "Should you apply for a mortgage online? Pros and cons of digital mortgages". Larry points out the multitude of options available to potential homeowners, both digital or "on-line" and more traditional.
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9
December 2019

Have You Budgeted for Closing Costs?

Saving for a down payment is a key step in the homebuying process, and it’s not the only piece you need to include in your budget. Another factor that’s important to plan for is the closing costs required to obtain a mortgage. What Are Closing Costs? According to Trulia, “When you close on a home, a […]
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22
November 2019

The Cost Across Time [INFOGRAPHIC]

Some Highlights: With interest rates around 3.66%, now is a great time to look back at where they’ve been over the past few decades. Comparatively, they’re pretty low! According to Freddie Mac , rates are projected to increase to 3.9% by this time next year. The impact your interest rate has on your monthly mortgage payment is significant. An increase of just $20 dollars in your monthly payment can add up to $240 per year and $7,200 over the life of your loan. Maybe it’s time to lock in now, while rates are still historically low.  
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14
November 2019

This is Not 2008 All Over Again: The Mortgage Lending Factor

Some are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. One of the factors they’re pointing at is the availability of mortgage money. Recent articles about the availability of low-down payment loans and down payment assistance programs are causing concern that we’re returning […]
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11
November 2019

75 Years of VA Home Loan Benefits

Today, on Veterans Day, we salute those who have served our country in war or peace, and we thank them for their sacrifice. This year marks the 75th anniversary of VA Home Loan Benefit offerings through the Servicemen’s Readjustment Act, also known as the GI Bill. Since 1944, this law has created opportunities for those […]
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Lilia Macias-Moriarity Joins EBR Savannah as an Exclusive Buyer's Agent
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Andi DeFelice, Broker at EBRSavannah quoted in recent 14th Street Capital Article
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A great article by Bill Gassett @ RISMedia's House Calls entitled "Top 10 Reasons to Hire a Buyer’s Agent"
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Advice and Tips on using a VA loan, obtaining seller credits and living in Savannah, Georgia
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The Problem With Real Estate Agents
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Why Use an Exclusive Buyer Agent?
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