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.
The Power of the Rate: Afford More with Special Financing!
Read more: The Power of the Rate: Afford More with Special Financing!If you’re in the market for a new home, chances are you have a budget in mind. After all, a house is likely one of the largest purchases you’ll make in your lifetime. You want to make sure you only buy what you can afford… but what if you can actually afford more than you…
Why & How to Pay off Your Mortgage Faster
Read more: Why & How to Pay off Your Mortgage FasterFor many homeowners, their mortgage is the single largest debt they’ll ever carry—and the one that sticks around the longest. While a 30-year mortgage is a common choice due to its lower monthly payments, more and more people are exploring ways to accelerate the payoff timeline and save some money in the process. Read on…
Eight Tips for How to Afford a House
Read more: Eight Tips for How to Afford a HouseWhile the journey toward homeownership can see the occasional obstacle pop up, there are numerous strategies that can help you learn how to afford a house. Whether you’re just starting your home search or seeking long-term affordability tips, the suggestions outlined in this article can help reduce both upfront costs and ongoing financial commitments. Read…
Eight Financial Wellness Tips to Help You Land Your Dream Home
Read more: Eight Financial Wellness Tips to Help You Land Your Dream HomeThe dawn of a new year is an opportunity for new beginnings, new adventures and new goals. If one of your goals for 2025 is to find and move into the home of your dreams, committing to financial wellness is an important first step to take. January is Financial Wellness Month in the United States,…
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!
