Paul Curry's Blog

Advice on Mortgage Loans and Lenders

If you are interested in learning more about mortgage loans and the things to watch out for when choosing a mortgage lender. Check out this in-depth guide from Consumers Advocate.

Now is the Time to Sell!

  The best time to sell anything is when demand for that item is high and the supply of that item is limited. The latest Existing-Home Sales Report released by the National Association of Realtors (NAR), reveals that demand for housing continues to be strong, but the...

Is Your House Priced to Sell?

In today’s real estate market, more houses are coming to market every day. Eager buyers are searching for their dream homes, so setting the right price for your house is one of the most important things you can do. According to CoreLogic’s latest Home Price Index, home values...

Should You Fix Your House Up or Sell Now?

With the fall season upon us, change is in the air. For many families, children are growing up and moving out of the house, maybe leaving for college or taking a jump into the working world. Parents are finding themselves as empty nesters for the first time. The question inevitably arises: is...

How Property Taxes Can Impact Your Mortgage Payment

When buying a home, taxes are one of the expenses that can make a significant difference in your monthly payment. Do you know how much you might pay for property taxes in your state or local area? When applying for a mortgage, you’ll see one of two acronyms in your paperwork – P&I...

5 Reasons to Sell This Fall

Below are 5 compelling reasons listing your home for sale this fall makes sense. 1. Demand Is Strong The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains strong throughout the vast majority of the country. These...

Buying a Home: Know the Lingo!

Some Highlights: Buying a home can be intimidating if you’re not familiar with the terms used throughout the process. To point you in the right direction, here’s a list of some of the most common language you’ll hear when buying a home. The best way to ensure your home-buying...

Tips for Making your Home Stress Free

Tips for Alleviating Stress at All Price Points Most home buyers are looking for respite in a haven from everyday stress. The good news is not all stress-free homes have to be multimillion-dollar properties. Here are some of the stress-reducing designs and products being showcased in homes across...

Why You Should Give Your Kid a Credit Card!

Back To School-The Surprising Reason Why You Should Give Your Kid a Credit Card   Should you give your kid a credit card? While your immediate response to this question is probably a resounding "No," this answer is really only half correct. While signing your kid up for their own...

5 Cheap Ways to Transform Your Deck

5 Deck Makeover Projects That Cost Less Than a Fancy Dinner Out By: John Riha Published: July 2, 2012 Want to upgrade your deck but watching your budget? Here are 5 easy deck makeover ideas, many well under $300.   If you'd rather hide inside rather than hang out on your...

Patio Shade Ideas Under $300

Patio Shade Ideas Under $300 By: Jan Soults Walker Published: June 26, 2012 Not all shady deals are bad. These patio shade projects are each under $300.   If you hop-skip like a rookie firewalker across your sun-drenched patio, then patio shadeprojects are probably...

Your Guide to Choosing Patio Stones

Your Guide to Choosing Patio Stones By: Andrea Nordstrom Caughey Published: April 9, 2013 So you can create some hardscaping that's uniquely yours   Brick. Flagstone. Concrete. Even rubber! You've got choices when it comes to pavers. And that means anything but...

Is Renting Right For Me?

If you’re currently renting and have dreams of owning your own home, it may be a good time to think about your next move. With rent costs rising annually and many helpful down payment assistance programs available, homeownership may be closer than you realize. According to the 2018...

Should I Refinance My Home?

SHOULD I REFINANCE MY HOME? With the recent lower interest rates, many homeowners are wondering if they should refinance. To decide if refinancing is the best option for your family, start by asking yourself these questions: Why do you want to refinance?  There are many reasons...

5 Powerful Reasons to Own Instead of Rent!

Owning a home has great financial benefits. In a recent research paper, Homeownership and the American Dream, Laurie S. Goodman and Christopher Mayer of the Urban Land Institute explained: “Homeownership appears to help borrowers accumulate housing and nonhousing wealth in a variety...

How PMI Effects Your Mortgage Payments

WHAT YOU NEED TO KNOW ABOUT PRIVATE MORTGAGE INSURANCE (PMI) Whether it is your first time or your fifth, it is always important to know all the facts when it comes to buying a home. With the large number of mortgage programs available that allow buyers to purchase homes with down payments below...

Why You Should Hire a REALTORĀ®

HAVING A PROFESSIONAL ON YOUR SIDE MAKES ALL THE DIFFERENCE! In today’s fast-paced world where answers are a Google search away, there are some who may wonder what the benefits of hiring a real estate professional to help them in their home search are. The truth is, the addition...

Why You Should Not Sell 'For Sale By Owner' (FSBO)

Rising home prices coupled with a lack of inventory in today’s market may cause some homeowners to consider selling their home on their own (known in the industry as a For Sale By Owner). However, a FSBOmight not be a good idea for the vast majority of sellers. The top 5 reasons...

MYTH: You Need 20% Downpayment to Buy a Home

Freddie Mac recently released a report entitled, “Perceptions of Down Payment Consumer Research.” Their research revealed that, “For many prospective homebuyers, saving for a down payment is the largest barrier to achieving the goal of homeownership....

4 Renovations for the Greatest Return on Investment (ROI)

Some Highlights: If you are planning on listing your house for sale this year, these four home improvement projects will net you the most Return on Investment (ROI). Minor renovations can go a long way toward improving the quality of your everyday life and/or impressing potential...

4 Reasons to Buy a Home This Summer

4 Reasons to Buy A Home This Summer   Here are four reasons to consider buying today instead of waiting. 1. Prices Will Continue to Rise CoreLogic’s latest U.S. Home Price Insights reports that home prices have appreciated by 3.7% over the last 12 months. The same...

2 Things You Need to Know to Properly Price Your Home

2 Things You Need to Know to Properly Price Your Home   In today’s housing market, home prices are increasing at a slower pace (3.7%) than they have over the last eight years (6-7%). However, they are still are above historical norms. Low supply of listed homes and high demand from...

Housing is Affordable for First Time Home Buyers!

New Research Shows Housing Is Affordable For First-Time Buyers   Home prices have been on the rise for the last seven years, leading many housing market analysts to conclude that first-time homebuyers are being shut out of the market due to affordability concerns. The National Association...

The Best Time to Sell to Make More Money

Top Days to List Your Home for Sale [INFOGRAPHIC]   Some Highlights:  ATTOM Data Solutions conducted an analysis of more than 29 million single family home and condo sales over the past eight years to determine the top days to list your home for sale. The top...

5 Tips to Consider When Looking For Your New Home

Starting the Search for Your Dream Home? Here Are 5 Tips!   In today’s real estate market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared. In a realtor.com article entitled, “How...

Investors Shouldn't Be Afraid of Another Mortgage Crisis

Why Real Estate Investors Shouldn’t Be Afraid of Another Mortgage Crisis         Posted by J. Gibson at May. 17, 2019   The housing crisis that began in 2008 was a perfect storm for the economy that resulted in the greatest financial dislocation...

Tips For Making a Competitive Offer

4 Tips for Making a Competitive Offer   So, you’ve been searching for that perfect house to call 'home,' and you've finally found it! The price is right, and in such a competitive market, you want to make sure you make a good offer so that you can guarantee that...

Benefits of a 20% Down Payment

The Benefits of a 20% Down Payment   If you are in the market to buy a home this year, you may be confused about how much money you need to come up with for your down payment. Many people you talk to will tell you that you need to save 20% or you won’t be able to secure a mortgage. The...

Home Buyers are Optimistic About Homeownership!

Home Buyers are Optimistic About Homeownership!   When we consider buying an item, we naturally go through a research process prior to making our decision. We ask our friends and family members who have made similar purchases about their experience, we get opinions and insights, and we read...

Renting vs Buying

The Cost of Renting vs. Buying This Spring [INFOGRAPHIC]   Some Highlights: Historically, the choice between renting or buying a home has been a tough decision. Looking at the percentage of income needed to rent a median-priced home today (27.7%) vs. the percentage needed...

What Would Make You Sell Your House?

What Would Make You Sell Your House?   There are many reasons why a homeowner decides to sell their house and move. The latest Generational Trends Report from the National Association of Realtors asked recent home sellers to share their reason for moving. The younger...

Costs of Renting vs Owning

Renters Paying Substantially More While Owning Costs Less   In a recent Insights Blog, CoreLogic reported that rent prices have skyrocketed since 2005. Meanwhile, the typical mortgage payment has actually decreased. “CoreLogic’s national rent index was up...

Hire a Pro to Sell Your House!

Selling Your House: Here’s Why You Need A Pro In Your Corner!   With home prices on the rise and buyer demand still strong, some sellers may be tempted to try to sell their homes on their own rather than using the services of a real estate professional. Real...

Don't Get Caught in the Rental Trap

Don’t Get Caught in the Rental Trap in 2019   Every year around this time, we take time to reflect and plan for next year. If you are renting your current home but have dreams of homeownership, your plan for the new year may include buying, and you wouldn’t be alone! According...

Pricing Your Home to Sell Immediately!

Is Your House Priced To Sell Immediately (PTSI)?   In today’s real estate market, with more houses coming to market every day and eager buyers searching for their dream home, setting the right price for your house is one of the most important things you can do. According to CoreLogic’s latest Home...

7 Things to Avoid After Applying for a Mortgage!

7 Things To Avoid After Applying for a Mortgage!   Congratulations! You’ve found a home to buy and have applied for a mortgage! You are undoubtedly excited about the opportunity to decorate your new home! But before you make any big purchases, move any money around, or make any big-time...

Save on Tax and Buy a Home

Your Tax Refund Is The Key To Homeownership!   According to data released by the Internal Revenue Service (IRS), Americans can expect an estimated average refund of $3,143 this year when filing their taxes. This is down slightly from the average refund of $3,436 last...

Pay Your Own Mortgage, Not the Landlords!

Whose Mortgage Do You Want to Pay? Yours or Your Landlord’s?   There are some people who haven’t purchased homes because they are uncomfortable taking on the obligation of a mortgage. However, everyone should realize that unless you are living with your parents rent-free, you...

If I List Your House it May Cost You NOTHING!

Hiring an Agent to Sell Your House May Cost You NOTHING!   There is no doubt that it is easier to sell your house when using the services of a local real estate professional. The agent will provide: Greater exposure to more buyers The skills of a professional negotiator A layer...

Top 5 Reasons You Shouldn't Sell Without a REALTORĀ®

Top 5 Reasons You Shouldn’t FSBO   In today’s market, with home prices rising and a lack of inventory, some homeowners may consider trying to sell their home on their own, known in the industry as a For Sale by Owner (FSBO). There are several reasons why this might...

Steps to Purchasing a Home

10 Steps to Buying a Home [INFOGRAPHIC]   Some Highlights: If you are thinking of buying a home, you may not know where to start. Here is a simple list of 10 steps that you will go through to purchase a home. Make sure to ask your agent for details about each step and what else...

April is the Best Month to Buy

Data Says April is the Best Month to List Your Home for Sale   The spring housing market is off to the races! The inventory of homes for sale is increasing, buyers are out in force, and interest rates have remained low, piquing the interest of buyers and sellers previously on the...