<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=905697862838810&amp;ev=PageView&amp;noscript=1">

PersonalHub

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

 

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.

Read More

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.

Read More

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. 

Read More

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.

Read More

6 Non-Sexy Home Upgrades You Should Consider

When it comes to renovation, it’s easy to become inundated with pictures of new bathroom tiles, granite kitchen counters, and open floor plans. But, while you’re wading through these sexy upgrades that promise to take your home from drab to fab, it may be easy to miss some of the more subtle, less-sexy upgrades that will do more than just provide your home with aesthetic appeal.

Read More

How to Improve Bad Credit to Secure a Home Loan

Bad credit . . . it's a dark cloud that hangs over your head and finances. Whether your bad credit is from making misguided choices or hardships that were out of your control, it can make qualifying for a mortgage loan difficult and stressful.

Read More

Understanding Your Mortgage Options During a Divorce

If you find yourself in the unfortunate situation of a divorce, working with attorneys to split up assets can be a strenuous experience. Often times, a home is a couple's most valuable financial asset. Determining whether you intend to remain in the home or move requires some internal reflection and discovering available options. It is an important step to understanding which option is in your best interest, what factors should be considered to make your decision, and how your decision ultimately affects your options to buy a new house after a divorce. 

Read More

Homebuying 101: Making an Offer on a Home

You’ve spent countless hours obsessing over finding the perfect home, downloaded every homebuying app to your phone, signed up to receive selling status notifications on the homes you're interested in, and visited every single open house in the neighborhood of your choice. You've set your budget, secured your preapproval, and have your down payment funds ready to go. The time has finally come! You’ve found your dream home and you’re ready to make your first offer. In the words of Kevin McCallister from the movie Home Alone, “This is it, don’t get scared now!”

Here are some helpful pointers to keep in mind when putting an offer on your first home.

Read More

Home Selling Myths Revealed

When it's time to sell your home, you're in an exciting period with a large list of tasks to accomplish. Unfortunately, you may have gotten some bad advice through the grapevine over the years. How do you know which tips to act on and which to ignore in this limited time frame? We're here to help with a list of common home selling misconceptions and corrected advice. Use these guidelines for an easier and more profitable experience when selling your home.

Read More

Is an Adjustable-Rate Mortgage Right for You?

When it comes to purchasing a new home, the loan options can be overwhelming. You’ll hear terms like, FHA, conventional, fixed, adjustable, and many other buzzwords that may make your heads spin, but fret not! We are here to help you navigate the home buying waters. If an adjustable-rate mortgage is on your consideration list, here are a few things you need to know.

Read More