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Embracing the Summer Solstice for Your Home Purchase As we approach the summer solstice, the longest day of the year, many people find themselves with extra hours of daylight to tackle various tasks. For those considering buying a home, this…
When it comes to financing a home, many buyers are looking for one thing above all else: predictability. That’s exactly why fixed-rate mortgage products continue to be one of the most popular loan options for homebuyers across Alabama and beyond…
For many homebuyers, the biggest hurdle to purchasing a home is coming up with the down payment. Even buyers with solid income and stable employment can feel overwhelmed trying to save enough money upfront while balancing rent, bills, and everyday…
June Weddings and New Home Beginnings As we approach the summer season, many couples are busy planning their June weddings, a time often associated with fresh starts and new beginnings. But for many, tying the knot also marks the start…
Buying a higher-priced home comes with a different set of financial questions than a standard mortgage. Whether you’re moving into a luxury home, purchasing acreage, relocating for work, or upgrading into your forever home, jumbo financing requires a lender who…
Introduction As the flowers bloom and temperatures rise, the spring housing market is in full swing. This is a popular time for homebuyers to start their search, with the goal of moving in before the height of summer. However, the…
If you’re planning to buy a home, you need to understand closing costs—because they’re one of the biggest surprises for buyers who aren’t prepared. Let’s keep it simple and walk through exactly what closing costs are, how much you’ll pay,…
When it comes to financing a home, one size definitely does not fit all. At Local Loan Team, we spend a lot of time helping clients sort through their adjustable-rate mortgage options to find the right fit for their goals—not…
Short answer: yes—plenty. The question isn’t “are there mortgage loans for self-employed borrowers?” It’s which loan is the best fit for your situation? Traditional lending guidelines can be tricky because income is often written off for tax purposes. That can…
What Is a Rate Lock Advisory? A mortgage rate lock advisory is exactly what it sounds like: expert guidance on whether you should lock in your current interest rate or wait (float) in hopes that rates improve. Rates move daily—sometimes…
