Articles Tagged "Home loans"

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Augusta, ME | 88 Posts
Buy a Home | 24 Posts
Gardiner, ME | 2 Posts
Hallowell, ME | 5 Posts
Home Safety | 1 Posts
Homeownership | 43 Posts
Kennebec Valley | 44 Posts
Lifestyle | 3 Posts
Manchester, ME | 1 Posts
Sell Your Home | 25 Posts

Housewarming Tips

Moving is more than just a logistical challenge: it can also set the stage for an unforgettable social event. Many of the people who have recently purchased a property from our Augusta homes for sale have gone on to host housewarming parties for their friends, family, and new neighbors.

These occasions are great for breaking the ice and helping you get settled into your new community. If you're interested in hosting one yourself, our list of tips will help you prepare. 

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Sustainable Homes

Living a sustainable life starts in your home. November 15 is National Recycling Day – a day to celebrate the importance of preserving our precious resources and putting the planet first. Make a commitment to reduce, reuse, and recycle more this year. Then, take the right steps to build a green, energy-efficient home. Here are simple ways to make your home more sustainable.

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Add Natural Light

Natural light in your home is beneficial to your health, mood, and energy level. While dark, gloomy spaces can make you feel depressed and lethargic, spaces filled with sunshine will quickly brighten your day. Augusta buyers who work with our real estate agents want homes with lots of natural light and impressive outdoor views.

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Organized Kitchen Tips

If the kitchen is the heart of the home, it needs to be clean and organized for the entire home to function well. 

Considering that all family members utilize the kitchen throughout the day, it's easy to understand how it can accumulate a lot of clutter. Taking the time to declutter will make it easy to maintain a clean, organized kitchen. Whether you're a talented home chef or mostly use your kitchen for heating up leftovers, follow these tips for an organized kitchen. 

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Early Mortgage Payoff-Sprague & Curtis Real Estate

It's a question that our real estate agents get asked all the time. When should you pay off your mortgage early, and when shouldn't you? It would seem that if one can pay off debt sooner rather than later, then there's no reason not to do so. But of course, mortgages are a bit more complex, and the answer depends on a variety of factors. 

Your Situation is Unique

The biggest advantage of paying off your mortgage early is saving money on interest costs. Just like any loan, the longer you take to pay off your mortgage, the more you'll end up paying in interest. It's worth noting that a 15-year mortgage comes with a much lower interest rate than the more common 30-year mortgage. 

Still, there are certain situations in which financial experts tend to advise against paying off a mortgage early. For example, if you're locked into a 30-year mortgage at a low interest rate, you can reap greater financial rewards by investing your money elsewhere rather than using it to repay your mortgage.

But for many homeowners, there are financial benefits to paying off your home loan early. And just as importantly, it's not always purely a financial decision. It's also an emotional one. The relief that comes with being free from debt is no small thing. It comes down to what you value the most. 

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Buying a House Credit Scores
If there's one aspect of buying a home that our real estate agents get asked about more than any other, it would have to be credit scores. How much does your credit really matter when you're trying to secure a loan and buy a house?

The importance of your credit score depends on a variety of factors – some financial institutions weigh credit more heavily than others – but it definitely matters. Here's what you need to know about your credit score before buying a home.

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Save for a Down Payment

Buying a home requires planning and commitment, and one of the biggest considerations a home buyer should take into account is being prepared to make a down payment. Once you have determined how much you are able and willing to spend on a home, it's time to start deciding how you will save for a down payment. With a unique range of Augusta homes for sale, finding your next home may be easier than you think with guidance from our real estate agents. Here are a few practical ideas to help you start saving now. 

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Buy a Home Loan Pre-Approval
Landing your dream home starts with understanding exactly what sellers want to see, especially when you're shopping in a competitive market. In order to stand out from the pack, you need to show the seller that you're serious, and that you're financially prepared to make an attractive offer. That's one reason why getting pre-approved for a mortgage should always be your first step when buying a house. Our real estate agents have the details on why pre-approval is so important, and what you can do to kick-start the process of getting pre-approved for a mortgage.

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