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posted on 5/9/2016
If you've never worked in the mortgage industry, the word escrow probably doesn't mean anything to you. But if you are looking to buy your first home, it is a word you should probably know.
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posted on 4/4/2016
We've all been judged by numbers before; your age, your grades in school, even your zip code. It should come as no surprise then that you can be summed up to a single number when determining if you can buy a home. Enter, the credit score.
posted on 12/10/2015
If you are wondering if you can afford to buy a home this year, one option you may want to consider is a loan insured by the Federal Housing Administration (FHA). FHA loans allow borrowers to obtain a mortgage without a big down payment and other costs.
posted on 9/16/2015
How do I get a home loan to buy my first house? Learn why saving is so important to getting a mortgage for your first home.
posted on 9/10/2015
If you've ever been in the military, you know that there are rules and a process for everything. So, it's not surprising that getting a VA home loan, even for veterans, involves some rules and process beyond what a traditional home loan involves.
posted on 8/28/2015
Understanding the acronyms for any loan can be confusing. It is especially confusing when you add in a government program. Learn the FHA and VA Loan terms from A to Z here!
posted on 8/19/2015
Buying your first home can be a very rewarding experience, but it can also be very intimidating. So before you jump into the home buying process, it may help you to know some basics. Here are the first five steps you should take!
posted on 7/13/2015
For many first time home buyers, buying a home is the most thought out purchase they will make. Between planning their needs and wants, what they can afford, and planning where they want to live, many people can be stressed out with all the conflicting information. Here's some information to help you understand what an agent is and why it's important to work with one to get you into the right home.
posted on 7/10/2015
When buying your first home it's important to identify what you want in a home and what you need in a home. This will help you narrow down the home buying search and allow you to focus on the qualities that are truly important to you and your family.
posted on 6/24/2015
Many assume that an FHA loan is only for people with less than perfect credit or low income, but the fact is anyone can apply for an FHA insured loan. Get all of true FHA loan requirements here!
posted on 6/10/2015
Few loans are as powerful and versatile for veterans and their families as a military VA loan. Active military personnel, reservists and military veterans should not overlook taking advantage of this hard- earned benefit if they are considering a home purchase, refinancing a current VA loan or making certain kinds of home improvements.
One government program that has long helped low and middle-income borrowers purchase homes is the Federal Housing Administration (FHA). Congress created this agency at the height of the Great Depression, and it officially became an agency under the US Department of Housing and Urban Development's (HUD) in 1965. Since 1934, the FHA has insured over 34 million home loans and the program continues strong today.
posted on 6/1/2015
One of the most powerful benefits our active duty military and veterans earn is a VA home loan. These loans can be used to finance the purchase of a home or other home improvement projects like energy efficient appliances or updates.
posted on 5/12/2015
Spring has kicked into gear, meaning Home Buying Season is here. For many of you, 2015 is the year you are definitely, finally making the move to a new home. If you've come to this decision, congratulations! The decision to purchase a new home and move is not a small one.
posted on 3/23/2015
Buying a home is not something you can do on a whim. It must be planned for. After all, you are moving into a new place to raise your family or spend your retirement, so you want to be sure it is everything you need and that the financials are taken care of correctly.
posted on 5/29/2014
We're not going to sugarcoat things; the home buying process is pretty complex. There are a lot of moving parts and things home buyers need to know. It's not always easy to remember all of these different things, which is why Lincoln Savings Bank and LSB Mortgage are a great resource to help you through the home buying process.
posted on 5/28/2014
The traditional "American Dream" is a nice two-story home in a suburb with a white picket fence. Sure, that kind of home is great for raising your kids, but what about after they've gone through college and have moved out? Do you still need four bedrooms, four bathrooms and all that square footage?
posted on 5/21/2014
"They don't build homes like they used to." Perhaps you've heard this when someone is talking about the unique characteristics or reliability of their older home. Think about the older homes you see in your community. Whether it's the style they were built in, the identifying features or other characteristics, there's just something about living in an older home that has some history behind it.
posted on 4/25/2014
There are some things in life that don't require much thought or preparation to purchase: paper towels, batteries, a new light bulb. You buy these things because you need them, they're cheap and readily available.
posted on 9/23/2013
When it comes to buying a home, follow the adage of "failing to prepare is preparing to fail." The process is complex enough, so adding more difficulty just isn't necessary. Lincoln Savings Bank and Century 21 LSB RealEstate would be more than happy to help you on your journey to finding a new home, so get in touch with us to get started.
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