Financing & Insuring

What Can a Loan Officer Do for You?

April 18, 2017
Couple meeting with loan officer

Loan officers work to help prospective borrowers obtain home loans (a.k.a. mortgages). But there’s more to the position than meets the eye. A lender’s loan officers assist borrowers through the mortgage lending process. They are skilled at evaluating a homebuyer’s creditworthiness (the degree to which he or she is considered likely to repay a loan), and are well-versed on the many different types of loans available in today’s market. If you are considering buying a new home, you can meet with a loan officer to…

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Packing & Moving

Don’t Forget the Dog! A Moving Checklist for Your Pets

April 16, 2017

Just like humans, animals get stressed out by moving. If you’re going to be moving with pets, it’s essential to set aside some extra time and money to make them comfortable. Pets in cars: If you’re moving to a place that’s about a day’s drive away, it should be fine to transport your animals in your vehicle. Make sure that you stock your car with more than you think you’ll need. Here is a list of good things to have on hand with animals in…

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Financing & Insuring

A Special Opportunity for Military Homebuyers

April 14, 2017
American soldier playing with his daughter

Planning to buy a home with a VA loan? If you choose a Richmond American home and arrange financing through HomeAmerican Mortgage Corporation, you could buy with no money down and no closing costs—just a $1 earnest money deposit! What’s a VA loan? It’s a mortgage loan guaranteed by the Department of Veterans Affairs. VA loans help members of our armed forces and their spouses achieve the American Dream of homeownership. Who’s eligible? In general, active-duty and veteran members of the US Army, Navy, Air…

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Packing & Moving

Preparing for a Move: How to Declutter & Minimize

April 13, 2017

It pays to know the difference between your treasure and your trash, particularly when it comes to moving. No sense in hauling what’s effectively dead weight, right? But the process of determining—and purging—what doesn’t hold personal worth can carry a fair degree of murk and uncertainty. Does this have lasting sentimental value? How much of something is too much? Won’t I need this someday? After all, you’re not just organizing random objects; you’re organizing your life. But rest easy. Many have emerged from the decluttering…

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Buying a Home

Cost Comparison: Rent or Buy

April 10, 2017
Couple calculating finances

There are many benefits to being a homeowner. From a purely financial perspective, there are tools to help determine the cost of renting versus buying a home. Comparing the cost of renting to buying usually depends on key factors, such as budgeted monthly rent, target home price, the length of time you plan to live in the home and what your mortgage rate would be. Estimating these values can help determine if buying is financially advantageous. In addition to the actual buying costs, it is…

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