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one big beautiful bill​

Big changes: What does the BBB mean for you?

Bethany Ramos August 29, 2025Uncategorized

Reading Time: 3 minutesA new set of tax rules is reshaping the housing market. If you’re a homeowner, buyer, …

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HECM

Can you use your home to fund your retirement?

Bethany Ramos August 19, 2025Homeowners, Loan Types, Taxes

Reading Time: 4 minutesWondering how to use your home equity as you near retirement? If you’re 62 or older, …

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choosing a mortgagehecmhomeownersretirementreverse mortgage
do not call

New law protects you from unwanted calls when buying a house

Bethany Ramos August 5, 2025Credit Score, Getting Prequalified, Home Buying, Refinance

Reading Time: 3 minutesThe U.S. House and Senate have passed a new bill, the Homebuyers Privacy Protection Act, that …

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buying a homecredit scoreprequalificationrefinancingtrigger lead
how does a second mortgage work

Need cash—but don’t want to refinance?

Bethany Ramos August 1, 2025Homeowners, Refinance

Reading Time: 3 minutesA Closed-End Second Mortgage is a type of home loan that lets you borrow against your …

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debt managementhome equityhomeownersrefinancesecond mortgage
homeowners insurance rates

9 smart ways to slash your home insurance costs

Bethany Ramos August 1, 2025Finance, Home Buying, Home Insurance, Homeowners

Reading Time: 3 minutesIt’s not your imagination—home insurance rates have risen and are expected to keep rising. Contributing factors …

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home insurancehomeownershomeowners insuranceinsurancemoney saving tips
mortgage recast

Refinance vs. recast: Which saves you more?

Bethany Ramos August 1, 2025Homeowners, Refinance

Reading Time: 3 minutesMost homeowners know about refinancing, but they’re less familiar with a mortgage recast. A refinance replaces …

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homeownersmortgage paymentrecastrefinancewhen to refinance
how to use home equity

Cashing in on equity: 7 strategies homeowners are using

Bethany Ramos July 22, 2025Finance, Homeowners, Refinance

Reading Time: 3 minutesHome equity is the difference between the current value of your house and the amount left …

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home equityhome renovationhomeownersmortgagereasons to refinance
how to prepare for a hurricane

8 smart ways to disaster-proof your house

Bethany Ramos July 8, 2025Uncategorized

Reading Time: 3 minutesYour house is likely to be your biggest investment. If it’s hit by a hurricane, wildfire, …

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how to pay off your mortgage faster

How to pay off your mortgage and save thousands in interest

Bethany Ramos June 24, 2025Finance, Homeowners, Refinance

Reading Time: 3 minutesThe fastest way to pay off your mortgage is to make extra payments toward your principal …

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home loanhome loan payoffmortgagemortgage savingspay off mortgage
property tax appeal

Are you overpaying? How to dispute your property taxes

Bethany Ramos June 10, 2025Finance, First-Time Homebuyer, Home Buying, Home Improvement, Homeowners, Industry Professionals, Loan Officers, Taxes

Reading Time: 5 minutesAs a homeowner, you have the option to appeal your property taxes if you feel like …

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homeownersmoney saving tipsproperty taxtax deductionstaxes
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