John Chiappetta
4 Ways to Celebrate National Homeownership Month
It’s officially National Homeownership Month 2023 — a time to celebrate the American Dream and help others along their journey. At Embrace, these goals are important year-round, but in June, they truly come front and center. Why? For starters, homeownership builds…
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What Does it Mean When a Home is Under Contract?
When you are looking for a home, you may have seen the words “under contract” or “pending” on a listing. This means that another buyer has made an offer on the home and the seller has accepted it. However, this…
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A Simple Guide to Buying Your First Home in Today’s Market
Buying your first home is an exciting milestone in life. However, navigating the real estate market can be challenging, especially in today’s dynamic landscape. With higher home prices, limited inventory, and higher interest rates, it’s essential to be well-informed and…
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Understanding Your Mortgage Quote
Buying a home is a significant financial commitment, and understanding your mortgage quote is crucial to avoid surprises down the line. Your lender will provide a mortgage quote based on various factors, and being aware of these elements can help…
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Best Loan Options for Experienced Home Buyers
As an experienced home buyer, you have likely gained valuable insights and a deeper understanding of the mortgage landscape. With your previous experience, you may be ready to explore advanced loan options that cater to specific needs and situations. In…
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4 Options if Your Home Appraisal Comes in Low
Low appraisals are not uncommon in the current real estate market. With rising home prices, it is possible for the appraised value to come in lower than the amount offered by the buyer. This situation can pose challenges and financial…
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Why Did My Home Mortgage Fall Through?
If you’ve ever had a home mortgage fall through, you know how frustrating it can be. You’ve spent weeks – or even months – going through the application and approval process, only to have it all come crashing down at…
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How to Know If You Are a Good Candidate for a Mortgage Loan
For a first-time buyer, the thought of applying for a mortgage loan can be daunting. Will you qualify? What sort of rate will you get? What type of mortgage should you apply for? Are you even a good candidate in…
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Signs It May Be Time to Refinance
If you’re like most Americans, your home is your biggest asset. It’s also probably the biggest loan you’ve ever taken out. Mortgage terms typically last for 30 years, which means you’ll likely be paying on your home long after the…
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The Pros and Cons of Adding a Co-signer to Your Mortgage Application
If you’re struggling to qualify for a mortgage loan due to factors such as debt, spotty employment history, or poor credit, you might consider bringing in a co-signer to help. However, it’s important to understand the potential benefits and risks…
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