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PersonalHub

Your one-stop resource for everything related to your financial well-being. 

 

The Role of a Real Estate Professional

There are many things to consider when you begin the homebuying process. For most homebuyers, particularly first-time homebuyers, working with a real estate professional to find the right home and oversee the negotiating process is ideal. While every situation is unique, it is not wise for inexperienced homebuyers to try to take on the role of a real estate agent themselves. There are several moving parts during the homebuying process, as well as high emotions for the buyers and sellers, so having a team of professionals to help keep things on track and give sound advice is a wise decision. Experienced homeowners know how valuable it can be to have a knowledgeable partner to help them navigate the home search and negotiation process.

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Farm-to-Table, Organic Mortgages?

In today’s fast paced and hectic life, it seems that more people are going “organic” (especially Millennials) when they purchase food for their families. Consumers seeking better quality are buying organic in droves, especially farm-to-table, locally-grown and sourced goods whenever possible. By having some degree of knowledge of where and how their food is produced, consumers have the peace of mind that they are feeding their families wholesome foodstuffs grown under sustainable farming practices.

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Tips for Buying a Foreclosed Home

If you’ve ever shopped for a home, you’ve probably experienced the shock of seeing the price of a foreclosed house. How can that listing price possibly be correct? Compared to other listings you’ve seen, this one seems like the deal of a lifetime. While that could possibly be the case, the house’s actual situation could be a bit more complicated. And, regardless of the house itself, the transaction will likely be different than the normal homebuying experience. Here are five tips to consider if you're interested in buying a foreclosed home!

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How to Protect Against Wire Fraud

You’ve likely heard many of these terms—phishing, spoofing, and malware. The common denominator in nearly all online scams is that hackers want to steal your financial information, identity, and ultimately, your money. These crimes typically fall under the banner of wire fraud.

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Moving with Kids and Pets: Tips for a Smooth Transition

Summer is a favorite time of year for many people—especially kids. For school-aged children, summer means no school, summer camps, and more time outside to play with friends!

However, if your family is planning to move to a new home this summer—as many homebuyers do—instead you could be experiencing the stress of moving, and this kind of tension can easily be picked up by children and pets.

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How to Buy a For Sale By Owner (FSBO) Home

Peak homebuying season is quickly approaching, and you may notice for sale signs sprouting up in every yard! If you’ve already started searching for a new home, you may have noticed a few homes listed as For Sale by Owner, or FSBO. A property listed as FSBO, is exactly what it sounds like—a home that is being sold by its owner without the representation of a real estate agent.

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5 Home Inspection Problems to Avoid

Shopping for a new home is an exciting process. When you do find the perfect home, you might be distracted by sparkling new counter tops or a beautiful backyard and be tempted to sign the dotted line before slowing down to ensure your dream home will stand the test of time.

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Homebuying 101: Should You Rent or Sell Your Existing House?

In most cases, when buying and moving into a new home, homeowners sell their existing home. This allows them to collect the equity and funds from the sale, apply those to the new purchase, and make a clean break from anything that might go wrong at the old house. However, there is another option that can work well in certain situations: retaining an existing home and renting it out.

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What is Home Equity and What Can You Do With it?

You may hear the term “home equity” thrown around from time-to-time, but do you really know what it is? If you’re a homeowner, it’s in your best interest to do some research so that you can utilize your home's equity to your advantage. There are pros and cons to home equity loans, so it's important to evaluate your financial situation to ensure you're making the right decision for you and your family, but ultimately, the monetary value in your home is yours and yours alone. 

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Three Traits of an Ideal Mortgage Loan Officer

When it comes to purchasing a home or refinancing your existing mortgage, it’s crucial to find a loan officer that fits your needs. A loan officer is an integral part of the homebuying journey, and when it comes to choosing one, you shouldn’t just roll the dice and hope you get lucky—there’s a strategy to finding one who is best for your unique situation.

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