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HOMEteam Resources

A Four-Point Strategy to Revive Homeownership

By Paul McLaughlin on June 1, 2017 in General Information, Mortgage Tips, Paul McLaughlin

It’s not looking good for homeownership these days. According to the U.S. Census Bureau, 63.7 percent of households owned their homes at the end of 2016, down from a peak of 69.2 percent in 2004. While there have been small increases in recent quarters, the homeownership trend since the financial crisis continues to trend downward. […]

By Ryan Tufts on February 28, 2017 in General Information, Mortgage Tips, Ryan Tufts

Saving for a down payment and escalating home prices are two reasons that make it difficult for low income homebuyers to purchase a home. Did you know that the USDA 502-Direct loan program solves these issues and more for homebuyers? Designed for low income families purchasing homes in rural areas, this loan offers a 0% […]

By Ryan Tufts on February 24, 2015 in Financial Tips, Ryan Tufts

An important factor in buying your new home is your credit score. This score helps determine the type of loan you qualify for, the interest rate you pay, how much you can spend on a home, and in some cases if you can buy a home at all.

By Ryan Tufts on October 16, 2014 in Financial Tips, Ryan Tufts

Whether you have long term plans like getting out of debt, creating an emergency savings fund, or buying a home, getting started can be the hardest part. Let me show you how.

By Ryan Tufts on August 19, 2014 in Financial Tips, Ryan Tufts

At the onset of each Home Buyer Seminar, everyone in attendance answers a simple question: “How much are you prepared to spend on your monthly mortgage compared to your rent?” The question is simple enough, and most people say they are prepared to spend about $200 more on their future mortgage than they are currently paying for rent. On the surface $200 seems reasonable enough, right?

By David Ryan on July 16, 2014 in A Day In The Life, David Ryan, Success Stories

Like all good housing counselors, my colleagues and I are trained to consider a range of options for homeowners who seek our help. But, every once in a while, we work with a client who needs us to think of solutions that don’t appear in the training guides.

By HOMEteam on June 30, 2014 in Debbie Wheeler, Financial Tips, General Information

There are new CFPB regulations which protect you, and allow adequate time to apply for loan modifications. Find out how this can help you, the options available, and where to get more information here!

By Ryan Tufts on June 17, 2014 in Financial Tips, Ryan Tufts

Why do you want to purchase a home? People buy homes for many reasons: freedom, space, and stability to name a few. Buying a home takes a considerable amount of your time, energy, and money; you may even feel like you have a new part time job. There are many ups and downs, but if […]

By HOMEteam on June 3, 2014 in Debbie Wheeler, Success Stories

Oh what a beautiful morning! First call of the day started on a happy note.

By Paul McLaughlin on May 20, 2014 in Paul McLaughlin, Success Stories

Odenis Nunez and her family have been on a journey through three countries and many living situations, but are now able to call themselves home owners. Read more…