Mary Kamelle

When inventory is low, and demand for housing is high, buyers compete for the same property, and things can get crazy. How crazy, you ask? According to realtor.com, it is not unusual to see a home with 20 or 30 offers on it and sales prices at $50,000 to $100,000 over asking. It is easy for an emotional buyer to get …

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What is RefiNow? Fannie Mae recently released their new RefiNow program. RefiNow is a government-backed program created to help low to moderate-income borrowers take advantage of the historically low-interest-rate environment. This program expands eligibility to help more homeowners refinance their mortgages. In …

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This difference between a broker and a lender is an important one when planning to purchase or refinance your home. Both are licensed and highly regulated professionals who specialize in mortgage lending. However, the level of service they provide is quite different. Typically, the one you should choose depends on your …

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St. Patrick's Days is celebrated in honor of St. Patrick, a real person and the patron saint of Ireland. The holiday is celebrated on March 17th, which is the day he supposedly died. While he was originally born in England, he was kidnapped and brought to Ireland as a slave when he was 16 years old. Once there, he …

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Moving is a time for new beginnings and fresh starts, but it is also a time filled with stress and anxiety. Adding COVID-19 into the mix doesn't help. While the housing industry is one of the few that has survived the pandemic, it has not been without massive changes to how business is conducted. It is often said that …

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Questions about the mortgage process abound when you are a first-time homebuyer. A challenge faced by many “first timers” is the embarrassment they feel thinking they should already know the answers to these questions. We say don’t be afraid to interrupt and ask a lender what you need to know. A home purchase is one of …

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