by Patricia Roos | Sep 30, 2025 | Uncategorized
Every home experiences some degree of movement over time, often called settling. It’s a natural part of the aging process for any structure, especially in areas with varying soil conditions, temperature swings, or after the first few years of construction. While...
by Patricia Roos | Sep 23, 2025 | Uncategorized
Losing a spouse is a deeply emotional experience and the financial decisions that follow can feel overwhelming. One important area to understand during this time is how the IRS treats the sale of a primary residence after the death of a spouse. Under certain...
by Patricia Roos | Sep 16, 2025 | Uncategorized
A temporary buydown is a great tool to help ease into homeownership with lower initial monthly payments, especially helpful in a high-rate environment. It allows you to enjoy reduced payments in the first one to three years of the loan, offering financial flexibility...
by Patricia Roos | Sep 9, 2025 | Uncategorized
If you’re buying a home�or already own one�home insurance might not be the most exciting part of the process. But it is one of the most important. In many cases, home insurance is required to secure a mortgage, but even if it weren’t, having the right...
by Patricia Roos | Sep 2, 2025 | Uncategorized
When financing a home, the 30-year fixed-rate mortgage is often the go-to option because of its lower monthly payment. But for buyers who can comfortably afford a higher payment, the 15-year mortgage deserves a closer look and may lead to significantly greater...
by Patricia Roos | Aug 26, 2025 | Uncategorized
One of the biggest benefits of homeownership is the ability to build equity�the portion of your home you truly own. Equity grows naturally over time in two ways: first, as you pay down your mortgage through regular payments (amortization), and second, as your home...
