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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

Today’s Multigenerational Homebuyers

Have you ever wondered who’s buying homes today?  (Maybe only diehard home lending bloggers ask themselves that question!)  Despite what you see on popular TV shows, it’s not all home flippers and extreme remodelers.  Every era has its stereotypes.  In post-World War II America, you might have thought that all homebuyers purchased single-family houses in…

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November 8, 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

Fall Is Here. So Is The Flu.

Ah fall.  The changing colors, the falling leaves, the cool days and crisp nights.  The coughs, sneezes, fever and aches.  Fall is here. So is the flu. Just as seasonal allergies ramp up in the spring and late summer, so colds and influenza (flu) increase in the fall.  It’s time to protect yourself and your…

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October 10, 2019

The Language of Loans

Every industry has jargon.  Home lending is no exception.  When you decide to purchase a home, it’s not enough that you’re venturing into unfamiliar territory full of contracts, appraisals, inspections and title binders.  Nope, you are suddenly facing a slew of acronyms that mean nothing to you, but are oh-so-important to understanding your home loan. …

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October 2, 2019

Clean Habits for Homeowners

It starts with a spoon. Then, a cereal bowl. A plate is next, followed by a pan. Before you know it, the kitchen sink is full of dirty dishes. It doesn’t stop there. A load of laundry needs folding. The floor needs sweeping, and the bathroom could use your attention too. With everything else going…

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September 24, 2019

August 2019 Housing Market Recap

The August 2019 Housing Market Recap shows existing home sales rose in August for the second month in a row.  However, regional sales results were mixed, with gains in three regions and a loss in one.  Prices continued to rise, as they have for seven and a half years.  Days on the market rose, but…

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September 20, 2019

The Rise Of The iBuyer

A few years ago, if you said you were selling your home to an iBuyer you probably would have received nothing but blank stares or maybe an “I what?” in response.  You may still get that reaction, or you may be wondering what an iBuyer is yourself.  It’s an important trend in the real estate…

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September 16, 2019
I cannot use any other words other than "exceptional" to express my great appreciation! They are ... very effective and also [treat] customers as their own real friends! If any co-worker, friend and/or family members would like a loan, I will ... [certainly] recommend First Choice to them! -Ruixin Y. | Raleigh, NC | 2.25.2019
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