Austin White

Sliding levers on a sound mixing board

Adjustable Mortgage Rates – Pros and Cons

By Austin White / October 12, 2022
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With home loan interest rates at an historic low, many people are rethinking the adjustable rate mortgage. This type of mortgage rate, which is commonly abbreviated as ARM, comes in a few different flavors. Unlike fixed mortgage rates, they fluctuate over time. The majority of homeowners – roughly seven out of ten, according to Bankrate.com – prefer fixed rates for this reason. Although they have traditionally gotten a lot of bad press, ARMs might be worth a second look. At the very least, it is good to familiarize yourself with the pros and cons of the adjustable rate mortgage.

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Little girl with school supplies

Back to School Budgets: Tips to Help You Save on Supplies

By Austin White / August 24, 2022
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Back to School shopping doesn’t have to break the bank — here are 7 tips to help you be frugal.

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Man holding a grinder

Where to Learn Home Improvement Skills

By Austin White / January 29, 2022
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Your home is an investment and knowing how to properly maintain it makes good financial sense. By learning easy home repair, you can save money on home maintenance repairs and upgrades. You also have more control over your home projects…

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New Jersey Police and Firefighter Mortgage Program

New Jersey Police and Firefighter Mortgage Program

By Austin White / July 26, 2019
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As an active police officer, I understand the potential stresses and financial burdens our everyday heroes go through on a daily basis. With the increased medical coverage and pension contributions over the past few years, many of our paychecks are…

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calculator with a vise squeezing coins

Housing Costs: Turning Your Biggest Expense into Your Biggest Saving

By Austin White / December 21, 2017
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Housing is by far the average American homeowner’s biggest expense. Of course, household expenses can fluctuate – transportation costs slip when the price of oil drops or the cost of food rises based on weather and crop yields. But, monthly mortgage costs are often double that of energy or other expenses.

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Infographic Fast Facts About the Housing Market

Fast Facts About the Housing Market: October 2017

By Austin White / December 12, 2017
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In September, we saw existing home sales rise for the first time in three months. Then, in October, the market got even hotter with existing home sales increasing to their strongest pace since earlier this summer. However, supply and demand weren’t quite in sync—there were fewer closings on an annual basis for the second straight month due to supply shortages.

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Grocery store

23 Ways to Save Money on Groceries

By Austin White / November 16, 2017
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Believe it or not the cost of groceries has declined over the last year. Depending on where you shop, you might not have noticed the change. But, even with prices coming down, the cost of putting good healthy food on the table for you and your family can be prohibitive.

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Coaching

Coaching – Knowledge versus Awareness

By Austin White / November 15, 2017
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When it comes to increasing performance and finding the balance we all seek between our personal and professional challenges, there is a big difference between being aware of something and knowing something.

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Colored Pencils

Embrace Your Inner Child

By Austin White / November 7, 2017
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Until recently, coloring was deemed a mindless children’s activity primarily designed to aid toddlers and elementary-age children in the development of fine motor skills. Throughout the last few years, however, employee self-care has become an increasingly relevant workplace concern. As a result, the practice of coloring has surged in popularity as a useful adult stress-relief tool.

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Homebuying Tips graphic

10 Steps to Homeownership

By Austin White / October 31, 2017
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Looking for a new home? We can give you a step by step path to follow.

Most often a prospective homebuyer’s first question is, “How much can I afford?”  The answer many lenders provide better answers the question, “How much can I borrow?” Many lenders only consider what you are able to pay each month, then tell you how much you can borrow.

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