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When Should I Refinance?

If it’s been a few years since you bought your home in Maine, you might be considering refinancing. Doing so can result in you getting a better interest rate or even a better type of mortgage loan, allowing you to save money and increase your equity sooner than normal. Of course, refinancing is not recommended for everyone. But here are some situations in which it makes sense to refinance your mortgage. READ MORE

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What is a HOA? What are the benefits?

If you’re looking for a home in Southern Maine, you’ve probably noticed that many houses here are served by a homeowners’ association, or HOA. This is an organization that charges homeowners regular dues in exchange for keeping the neighborhood in great shape. Not surprisingly, there are many benefits to having a house within an area with an HOA. These are just the main ones you might want to consider before you decide to buy in such a neighborhood. READ MORE

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Qualifying for a Loan: What do I need to qualify? What can I do if my credit sucks?

Purchasing a brand new home is an exciting time. There are a lot of decisions to be made during home shopping, such as deciding if you want a cape style home on several acres or a townhouse in the center of town. Prior to looking at homes with your real estate agent, you should seek out approval for a loan. Here is what you will need to get qualified and how to prepare. READ MORE