Author Archives: Britt Peltola

The Mortgage Process: Part 4, Processing and Underwriting

Pre-approval? Check. Offer on the perfect house accepted? Check. Mortgage application process completed? Check. Ok, so what is next? Well, this step is really for us rather than for you. Up next in the mortgage process is Processing and Underwriting. Read on to learn more about these next steps. Read More

Fabulous Flowers for Spring Planting

For some people, the warming weather is a call to dust off the gardening gear and get out and tend to beautiful plants and flowers. For others of us not blessed with a green thumb (guilty!) there may be some trepidation around the spring planting season. One way to ease into spring planting is with container gardens since they can add instant color without a lot of effort. Here is a list of flowers to look for at your local nursery or garden center to create fun and easy potted gardens for your spring curb appeal. Read More

The Mortgage Process: Part 3, Application

You have found “the house” and your offer has been accepted… Really exciting stuff! But what’s next? When you initially completed your application, upon review and approval, your lender either provided a pre-qualification or a pre-approval letter. The terms are similar, but not the same. A pre-qualification is a pretty vague application including very basic pieces of information. While this information may have allowed your lender to give you the initial OK to search for homes... If you chose this route, now that you have found the house you are going to purchase, it is time to revisit that application and add more specific documents and information to keep your loan file moving along in the process. Read More

The Mortgage Process: Part 2, The Search

Now that you’ve taken your first step toward homeownership and have met with a Mortgage Consultant to better understand how much you are approved to spend on a home, it’s time to move onto the more exciting step two… SHOPPING! In this article we’ll cover how to get ready to shop for a home, beginning the home search process and some tips and tricks we have learned over the years supporting our clients. Read More

The Mortgage Process: Part 1, Where to Begin

Obtaining a mortgage can be the largest financial transaction many people will participate in throughout their entire lives. With such a big investment on the line, it is to be expected that there are multiple steps to achieve that ultimate goal of homeownership. To many the home financing process can appear daunting or scary but with the right preparation and team alongside you, the experience can be smooth and efficient. Read More

Preparing Your Home for Extreme Winter Weather

Most of the country is in the deep freeze of winter right now, and it is important to properly care for your home to make sure you and your property come through safely. Read below for some tips to make sure you are prepared when the temperatures take a dive. Read More