Cash-Out Refinance: A Smart Way to Reduce Debt
Semper Home Loans Blog
by Courtney Zenga
5d ago
Many Americans are currently facing unprecedented levels of debt, particularly with credit cards. If you’re finding it challenging to manage your monthly payments, you’re not alone. However, if you own a home, there’s a potential strategy to help alleviate this burden: a cash-out refinance. Understanding the Current Debt Landscape Credit card debt is rising, hitting […] The post Cash-Out Refinance: A Smart Way to Reduce Debt appeared first on Semper Home Loans ..read more
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Why February Is a Great Time to Buy a Home
Semper Home Loans Blog
by Courtney Zenga
1w ago
Thinking about buying a home but waiting for spring or summer? While those seasons bring a surge in listings, February is a great time to buy a home for savvy buyers who want to save money and get ahead of the competition. Here’s why February might be the perfect month for you to find your […] The post Why February Is a Great Time to Buy a Home appeared first on Semper Home Loans ..read more
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Questions you should be asking a Real Estate Agent
Semper Home Loans Blog
by Jennifer Kovats
2w ago
Buying a home can be tough in this fast moving market. Not only is it important to have a lender by your side, it’s important to have a trusted Real Estate Agent on your team as well. There are a lot of agents out there, but unfortunately not all agents are made the same. When […] The post Questions you should be asking a Real Estate Agent appeared first on Semper Home Loans ..read more
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Buy Down Your Rate, Not Your Dreams: Afford a Home Even with Higher Rates
Semper Home Loans Blog
by Courtney Zenga
2w ago
High mortgage rates might have you feeling like homeownership is out of reach, but here’s the good news: it’s still a great time to buy. Why? Because buydown programs offer creative ways to lower your monthly payments, making your dream home more affordable right now. Buydowns allow you to lower your interest rate temporarily or […] The post Buy Down Your Rate, Not Your Dreams: Afford a Home Even with Higher Rates appeared first on Semper Home Loans ..read more
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How to Buy a Home Without Saving for a Down Payment: Meet Semper Elevate
Semper Home Loans Blog
by Courtney Zenga
3w ago
Have you been dreaming of buying a home but struggling to save for a down payment? You’re not alone, and we’re here to help. At Semper Home Loans, we believe that your dream home shouldn’t have to wait. That’s why we created the Semper Elevate Program—a 100% financing home loan solution that makes homeownership achievable […] The post How to Buy a Home Without Saving for a Down Payment: Meet Semper Elevate appeared first on Semper Home Loans ..read more
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New Year, New Home: Steps to Getting Pre-Approved in 2025
Semper Home Loans Blog
by Courtney Zenga
1M ago
A new year means new opportunities—and if one of your goals for 2025 is to become a homeowner, you’re in the right place! Getting pre-approved for a mortgage is one of the most important steps in the home-buying process. It shows sellers you’re serious and helps you understand what you can afford. With that in […] The post New Year, New Home: Steps to Getting Pre-Approved in 2025 appeared first on Semper Home Loans ..read more
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Non-QM: Creative Financing for Unique Situations
Semper Home Loans Blog
by Courtney Zenga
1M ago
Buying a home can feel challenging if you don’t meet the typical lender requirements. Maybe you’ve been self-employed for years, or your credit score isn’t where you’d like it to be. You might even have a unique financial situation that makes it hard to qualify for a conventional mortgage. Here’s the good news: Non-QM (Non-Qualified […] The post Non-QM: Creative Financing for Unique Situations appeared first on Semper Home Loans ..read more
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Out with the Old, In with the New Loan Limits: Exciting Updates for 2025
Semper Home Loans Blog
by Courtney Zenga
1M ago
As we say goodbye to 2024 and get ready to welcome a brand-new year, we’ve got some exciting news for homeowners and future buyers: the conforming loan limits for 2025 have been announced! These changes, rolled out by the Federal Housing Finance Agency (FHFA), show how the housing market is continuing to grow and create […] The post Out with the Old, In with the New Loan Limits: Exciting Updates for 2025 appeared first on Semper Home Loans ..read more
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First Time Home Buyer Mistakes
Semper Home Loans Blog
by Jennifer Kovats
1M ago
First time home buyers make up a surprising percent of the market, in fact, this year first time home buyers made up about 34% of residential real estate sales this year. That’s a lot of people! There can be a lot to think about when buyers start their search, and sometimes mistakes are made. Below […] The post First Time Home Buyer Mistakes appeared first on Semper Home Loans ..read more
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Life after the $17,500 down payment assistance program.
Semper Home Loans Blog
by Michael Huffman
1y ago
On January 26th 2023, RI realtors Published this article and introduced the realtor world to Rhode Island’s down payment assistance program that would create a whole new wave of home buyers.. It couldn’t get any easier right? 1–4-unit properties, 100% forgivable $17,500 that could be used for down payment and closing costs, and they only need a 660 score to qualify. What a great program for so many to take advantage of. What a great program for the family that has income and credit but just not the ability to put a down payment. This program opened doors for many buyers and the realtors ..read more
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