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PersonalHub

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

 

Watch Out for These 8 Hidden Homebuying Costs

Purchasing a new home can be exciting and daunting all at the same time. For many of us, buying a home is the most significant investment of our lives—but that doesn’t mean it’s not financially complicated, especially for first-time homebuyers! Knowing what to expect in the homebuying process will help you prepare a realistic budget and not get blindsided by unexpected expenses. If you are considering buying a new home, here are eight hidden homebuying costs that you’ll want to be aware of:

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5 Cost-Effective Ways to Update Your Driveway

Let’s say you’ve been in your home for quite some time, and you decide that it’s time for an exterior makeover. Coming up with some creative ideas to spruce up your driveway is the easy part; coming up with the money to cover it is another story. Although renovating your driveway adds value to your home, it can be costly. Incorporating some DIYs into your driveway makeover allows you to customize your driveway while keeping the cost down, allowing you to stick to a budget you are comfortable with.

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Declutter Your Home With These Organization Hacks

If you stay in one place long enough, it seems like stuff just has a way of accumulating around you on its own! It’s a process that can happen slowly, but before you know it, you’re surrounded by piles of paperwork, boxes of knick-knacks, and general clutter that stacks its way into your life.

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Selling Your Home for Top Dollar

While frigid temperatures and the “holiday hangover” may still have most homeowners shying away from the thought of putting their home on the market, if you are interested in selling your home this year, now is a great time to start making strategic plans to get it ready to sell for top dollar. The smart improvements you make now could help you maximize your financial investment and sell your home more quickly.

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Take Advantage of Off-Season Home Buying

Will you be shopping for a home during the fall and winter? You may have heard that the market slows down after summer, and that can be discouraging. Don’t fret! There are some great perks that come with being a homebuyer during the off-season. Read on to find out just how advantageous homebuying during the off-season can be.

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How to Save a Down Payment for a Home in 12 Months

There comes a time in many people’s lives when the idea of buying a home goes from “someday” to “someday soon.” However, one of the major hurdles first-time homebuyers face is coming up with a down payment. According to Zillow1, the median home price in the U.S. is $226,800, so a 20% down payment equates to just over $45,000! While saving that much money in a year may seem like an impossible feat, there are options to help you achieve your goal of homeownership. Here are a few ideas to help you get your down-payment account funded within 12 months:

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If You're Thinking About Refinancing Your Mortgage, Ask Yourself These Questions

With interest rates near historic lows, it’s a good time to consider whether refinancing your home loan might help you lower your monthly payment or achieve other financial goals such as paying for college or home improvements. Simply stated, when you refinance your mortgage, you take out a new loan that pays off your original mortgage. The new loan can have a lower interest rate, a shorter or longer loan term, and depending on the appraised value of your home, you may be able to borrow more.

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Tips for a Successful Open House

Should You Host an Open House?

When it comes to selling your home, hosting an open house to drive foot traffic and attract buyers has traditionally been part of the process. However, statistics show that open houses may be becoming a relic of the past. According to the National Association of Realtors, only 3% of buyers visited an open house before purchasing their home.

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Obtaining a VA Loan in the Current Housing Market

If you serve or have served in the military and are considering buying a home with your VA home loan, you probably have a lot of questions. The homebuying process can be difficult enough to navigate without adding the VA loan to the mix, but if you know the basics and work with a knowledgeable loan officer, buying a home could be a breeze.

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Tips for Finding a Home That is Best for You: Part 2

In a recent blog post, we provided a few tips on what to consider when you're buying a home. Here are a few more to help you on your homebuying journey!

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