Aly Yale

For sale sign in front of house covered in snow

Selling Your Home This Winter? Four Pro Tips for Success

By Aly Yale / December 5, 2017
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Let’s be honest here. Selling your home in the winter can be pretty hard. For one, there’s just not much buying going on around the holidays. People are saving their cash (and spending it elsewhere), and they’re not looking to…

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hand holding a Credit Card

Five Things that Can Hurt Your Credit During the Holiday Season

By Aly Yale / November 27, 2017
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With the holiday season comes lots of spending. Gift giving, decorating, entertaining, vacationing and going out to eat – it can all rack up the big bucks, and pretty quickly, too. Sadly, overspending doesn’t just deplete your bank account or…

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Couple reviewing paperwork with Loan officer

More than Just Your Rate: Estimating the True Costs of Homeownership

By Aly Yale / November 27, 2017
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  Your mortgage rate is going to play a big role in what your monthly payment will look like. But is it the only thing you need to consider when buying a home? Absolutely not. Even if you qualify for…

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Watch pen and glasses on table

Five Signs You May Want to Refinance Your Mortgage

By Aly Yale / November 22, 2017
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There are tons of reasons to refinance your mortgage loan. Maybe you want a lower monthly payment, maybe you’re looking to save on interest, or maybe you just need an extra infusion of cash to remodel that spare bedroom, take a vacation or send your kid to college.

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Couple in an empty house with wooden floors

Buying in a Competitive Market: How to Boost Your Chances and Get the Best Deal

By Aly Yale / November 22, 2017
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It’s no secret that today’s real estate market is a little tight on inventory. The shortage of supply is driving up prices, increasing the number of bidding wars and pushing buyer competition to a fever pitch.

So what’s a buyer to do?

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man under sink repairing

What Buyers Don’t Want: 4 Homebuyer Turn-offs to Avoid

By Aly Yale / November 21, 2017
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It may be an inventory-strapped market, but that doesn’t mean people are willing to buy anything. Today’s homebuyers still want a great home, in a great location, at a great price – and sellers need to do their best to…

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Tired of Paying PMI? Here’s How to Get Rid of it

By Aly Yale / November 20, 2017
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If you have an FHA loan or put less than 20 percent down when you bought your home, you’re probably stuck with PMI, or Private Mortgage Insurance. PMI is paid monthly as part of your mortgage payment, but unlike your…

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Pave the Way for a Smooth Mortgage Application

By Aly Yale / November 14, 2017
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The mortgage application process has long been bemoaned as time-consuming and overly complicated. And while sure, there are some applications that take longer than others, the truth is it’s all in the planning. At Embrace, we’ve been working hard to…

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For Sale sign in lawn

Want to Sell Your House? Don’t Make these Huge Seller Mistakes

By Aly Yale / November 14, 2017
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The only thing worse than selling your cherished, loved and lived-in home? That’d be NOT selling it.

The wasted time, energy and resources are enough to frustrate even the most nostalgic homeowner, especially if you’re stuck paying your old mortgage, and one on your new place to boot.

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woman writing in a pad with cell phones on table

Closing Costs: How Much Should You Expect to Pay?

By Aly Yale / November 13, 2017
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Closing costs can be confusing.

Not only do they cost you an additional few thousand dollars come closing day; they also cover fees and expenses you’ve likely never heard of, making them even more perplexing for a first-time buyer.

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