Questions?

Questions? Call us at (800) 736-8485

Blog

Home Warranty vs. Home Insurance: What's the Difference?

Home Warranty vs. Home Insurance: What's the Difference?

Home warranty and home insurance sound similar, but they play very different roles in an Ohio home purchase. One can be required by your lender. The other is usually optional. Understanding the difference helps you avoid surprises before closing and after

Jan 08, 2026 | Purchasing a Home

Is Your Mortgage Payment Too High? Here's How to Lower It

Is Your Mortgage Payment Too High? Here's How to Lower It

If your mortgage payment feels too high, start by finding out why. The issue may be the interest rate, loan term, taxes, insurance, escrow adjustment, mortgage insurance, or a change in household budget. The right solution depends on the cause.\nWestern

Jan 06, 2026 | Refinancing a Home

FHA Compensating Factors: Strengthening Your Loan Application

FHA Compensating Factors: Strengthening Your Loan Application

FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification criteria. FHA compensating factors offer a solution by allow

Dec 30, 2025 | Purchasing a Home

Is a 15-Year Mortgage a Good Choice?

Is a 15-Year Mortgage a Good Choice?

These shorter loans come with higher monthly payments but much lower interest rates. This might save you a boat-load of money, especially if you are already a homeowner, trading up with lots of equity.  Understanding the Basics: 15-Year vs. 30-Year M

Dec 26, 2025 | Interest Rates

Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?

Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?

Credit card debt affects millions of Americans, with high interest rates making it difficult to make meaningful progress toward becoming debt-free. A Home Equity Line of Credit (HELOC) offers one potential solution by allowing you to leverage your home's

Dec 16, 2025 |

Use a VA Energy Efficient Mortgage for Home Improvements

Use a VA Energy Efficient Mortgage for Home Improvements

The VA Energy Efficient Mortgage (EEM) program helps veterans and service members finance energy-saving home improvements as part of their VA home loan. This program allows you to include the cost of energy-efficient upgrades in your mortgage, making it e

Dec 11, 2025 | VA Loans