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Meet Your Home Loan Team

Unless you are a property investor or serial home flipper, you’re unlikely to take out many home loans in your lifetime.  When you do, it will be a new adventure.  Notice I said adventure and not nightmare.  You won’t be doing this alone.  You’ll have a loan team dedicated to making your loan experience a…

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January 17, 2020

Your Home Buying Team

You’ve heard the expression “it takes a village” to describe the way people need to work together to achieve a goal.  In home lending, we have a similar concept:  It takes a team.  Of course, you’ll have our lending team for your loan, but today I’m talking about the professionals for your entire transaction.  If…

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January 9, 2020

Choosing The Right Loan Term

Home loans come in many versions, with something to suit almost anyone.  Fixed rate.  Adjustable rate.  Interest only.  Conforming.  Jumbo.  First mortgage.  Second mortgage.  FHA.  VA.  Conventional.  USDA.  The good news is that you don’t have to navigate these choices alone.  A First Choice Loan Services Inc. mortgage loan originator will be happy to guide…

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December 12, 2019

Down Payments Don’t Have To Be Scary

What’s that looming in the Halloween mist?  Is it…the down payment myth?  Yes!  One of the scariest creatures in the home loan universe, the down payment myth frightens would-be homebuyers by spreading misinformation wherever it goes.  Down payments don’t have to be scary. Let’s make it disappear.   Trick Or Treat?  You Must Have 20…

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October 29, 2019

FHA Eases Condo Financing Rules

We’ve been writing about low housing inventory for months.  Buyers, especially first-time homebuyers looking for a more affordable home, are scrambling.  Now there’s good news to share, and it’s coming from the Federal Housing Administration (FHA).  On October 15, FHA rules changed to expand access to condo financing, opening up more opportunities for homebuyers.  Here’s…

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October 17, 2019

July 2019 Housing Market Recap

After a slowdown in June, existing home sales rose in the July 2019 Housing Market Recap.  While one region saw a drop in sales, gains in the other three regions more than offset that loss.  Prices continued their (apparently inevitable) march upward.  The pace of sales slowed slightly from both the previous month and a…

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August 23, 2019

Is This A Good Time To Refinance?

Deciding to refinance is not just about chasing the lowest rate.  True, we have seen very low rates recently, and according to Freddie Mac, the 30 Year Fixed at the end of June was the lowest since September 2017.  You’d have to go to November 2016 to find an even lower rate, so we are…

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July 30, 2019

Six Ways To Help Your Realtor® Help You

Whether selling or purchasing a home, the process is a deeply involved one. There can be complicated details and numerous steps to take. For this reason, working with a trusted Realtor ® is one of the first and best decisions you can make. While his or her experience and knowledge can prove to be invaluable…

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January 15, 2019

November 2018 Housing Market Recap

November existing home sales rose nationally for the second time in as many months. Sales increased in 3 of the 4 US regions, with only the West falling.  Prices continued to climb, as they have for 6 years and 9 months.  The pace of sales was slower than it was in October, and slower than…

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December 20, 2018

The Pros and Cons Of New Construction

Are you sitting in a 1974 home wishing for a 2018 great room and kitchen? Perhaps you’re starting to look for a home and you’re wondering if you’d do better with a proven 1950s rancher or a newly constructed Mediterranean-style cottage.  Do you like the look of vintage but crave the convenience of new?  What…

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November 13, 2018
While the task of simultaneously selling one home and buying another was daunting, the team at First Choice made it all seem easy. They not only performed several magic acts to help us get the job done, they did it with professionalism and expertise. -Victor T. | Kapaa, HI | 6.5.2019
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