Category: Financing & insuring
Affording a home is all in the numbers! Get mortgage information, plus discover everything you need to think about to get your new home insured the right way.
Know the Difference: Home Warranty vs. Home Insurance
Read more: Know the Difference: Home Warranty vs. Home InsuranceA home warranty is a great perk when you buy a new-construction home (and sometimes even a resale!) but do you know how it differs from home insurance coverage? Knowing who to call about a home issue can put you on the fast track to getting it addressed ASAP!
How Much are Closing Costs (and Who Pays Them)?
Read more: How Much are Closing Costs (and Who Pays Them)?Closing costs: a generic term tossed around by mortgage originators, real estate agents and even your neighbor. But what are these fees all about? How much do they normally cost, why do they matter and who pays them? Read on to learn the basics of closing costs for new-construction and resale homes and how they…
Factors that Affect the Cost of Homeowners Insurance
Read more: Factors that Affect the Cost of Homeowners InsuranceWhile it might not be the most fun part of buying a new home, securing a proper insurance policy for your investment will go a long way toward providing peace of mind and helping you to enjoy the parts of homeownership that are fun. Let’s explore some of the factors that may impact the cost…
How to Choose Financing Options: A Mortgage Infographic
Read more: How to Choose Financing Options: A Mortgage InfographicBuying a home soon? Be sure to weigh your mortgage options! There are multiple loan types to choose from and it’s important to select one that fits your needs and situation. While your loan officer will be your best resource for this decision, this infographic and article can act as a simplified explanation of the…
How to Shop for a Mortgage Without Hurting Your Credit (Much)
Read more: How to Shop for a Mortgage Without Hurting Your Credit (Much)Wondering how to shop for a mortgage without hurting your credit? It’s a valid concern, but don’t worry. From narrowing down your lending options to paying down your credit cards, we’ve rounded up some tips to help you protect your credit score while scoring the home of your dreams! Read more.
Meet Our Affiliated Lender and Insurance Companies
Read more: Meet Our Affiliated Lender and Insurance CompaniesBuying a home can be one of the most important purchases in your lifetime, which is why it’s crucial to have the right resources by your side every step of the way—from finding the home to insuring it. At Richmond American, we work closely with our affiliated lender and insurance companies to offer a streamlined…
Ready to Shop Policies? Use Our Home Insurance Checklist
Read more: Ready to Shop Policies? Use Our Home Insurance ChecklistYou’ve found your dream home—now it’s time to insure it! Selecting the right home insurance policy is important not only because it may be a condition of your home loan, but also because it can offer you and your family greater peace of mind. If the unexpected happens, homeowners insurance can provide coverage for losses…
Avoid Unwanted Calls with an Opt Out Request
Read more: Avoid Unwanted Calls with an Opt Out RequestNowadays, telemarketers are a fact of life. Anytime you apply for credit with a company, your information may be passed along and you’ll be bombarded with calls, emails and texts from a dozen other places promising special offers. So, what can you do about it? Make an opt out request!
What’s So Special About Special Financing?
Read more: What’s So Special About Special Financing?Special financing. You’re familiar with the term, but its definition varies by industry. For example, some car dealers use “special financing” to describe financing options for people with bad credit who otherwise wouldn’t qualify for an auto loan. And some retailers have deferred-interest special financing options, which allow shoppers to make interest payments on their…
Mortgage Infographic: Get Your Credit Ready Before You Apply
Read more: Mortgage Infographic: Get Your Credit Ready Before You ApplyLooking to buy a new home soon? We’ve created a handy mortgage infographic to help you understand some of the factors that affect your credit score and the ways you can improve your score—an important consideration for any lender reviewing your mortgage application. Your credit score may influence what types of loans you can qualify…
New Home vs. Resale Home: Homeowners Insurance Edition
Read more: New Home vs. Resale Home: Homeowners Insurance EditionWhen you’re ready to buy a home, one of the most important decisions to make is whether you want to buy a new home vs. resale. While buying a resale home may seem appealing, it is important to consider the possibility that you may end up paying a higher homeowners insurance premium based on the…
Benefits of bundling home and auto insurance policies
Read more: Benefits of bundling home and auto insurance policiesWhether you’re buying a box of donuts or a set of jerseys for your softball team, you’d expect a discount for buying in bulk, wouldn’t you? Well, the same principle applies to insurance policies. Read on to learn about how bundling home and auto insurance can save you money.
