Home Buying and Life Advice | Embrace Home Loans

2020 Home Tax Deductions and What New Homeowners Need to Know

Tax Deductions New Homeowners Need to Know

By Aly Yale / January 10, 2022
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Homeownership comes with some serious benefits. It can protect you from inflation, help you build wealth, and come tax season? It can even qualify you for valuable deductions and credits. If you’re new to homeownership, or you just sold your…

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7 Productive Ways to Spend Time Inside When the Weather Gets Cooler

7 Productive Ways to Spend Time Inside When the Weather Gets Cooler

By Tara Mastroeni / December 8, 2021
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Now that the weather is getting cooler, we’re all going to be spending more time inside. With that in mind, you may be wondering how to make the most of your time. After all, there is more to life than…

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Mortgage Rates Might Rise Next Year: What to Do Now

Mortgage Rates Might Rise Next Year: What to Do Now

By Aly Yale / December 1, 2021
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Most experts expect mortgage rates to rise next year. It’s a combination of a few factors, including inflation, Federal Reserve policy, and more.  But according to the pros, we should see rates in the high 3% range by the end…

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Think You Can't Afford to Buy a House? 7 Ways to Put a Home Within Reach

Think You Can’t Afford to Buy a House? 7 Ways to Put a Home Within Reach

By Aly Yale / November 10, 2021
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Affordability is the main concern of most consumers looking to buy a house, according to recent surveys. And with home prices rising over 18% in the last year, it’s no wonder why. If you’re hoping to buy a house in…

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10 Places Where Home Prices are Still Low

10 Places Where Home Prices are Still Low

By Aly Yale / November 3, 2021
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Home prices may be rising, but that doesn’t mean homeownership is entirely out of reach —  no matter what your salary may be. In fact, according to Realtor.com, in some areas, buying a starter home is actually more affordable than…

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The Top 6 Mortgage Mistakes Buyers Should Avoid When Applying for a Home Loan

The Top 6 Mortgage Mistakes Buyers Should Avoid When Applying for a Home Loan

By Tara Mastroeni / October 13, 2021
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Applying for a mortgage can seem like a daunting process. In light of that, we’ve taken the liberty of laying out six mortgage mistakes that buyers sometimes make when applying for a home loan. Study up on these mistakes so…

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Need a Bigger Mortgage to Buy a Bigger Home? Here's What to do First

Need a Bigger Mortgage to Buy a Bigger Home? Here’s What to Do First

By Tara Mastroeni / October 1, 2021
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If you’ve been thinking about moving into a bigger home, odds are good that you’re going to need to take out a bigger mortgage in the near future. With that in mind, we have a list of four things that…

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What Is a Title Company and What Do They Do?

What Is a Title Company and What Do They Do?

By Aly Yale / September 22, 2021
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Home buying is complicated, and in order to do it successfully (not to mention legally), a number of professionals will need to play a role. These include a mortgage lender, a loan officer, a real estate agent, an attorney, an…

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How to Shop Around for a Mortgage: A Step-By-Step Guide

How to Shop Around for a Mortgage: A Step-By-Step Guide

By Tara Mastroeni / September 17, 2021
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If you’re thinking about buying a home in the near future, you’ve likely heard the phrase, “shop around for a mortgage” before. But, do you really know what it means to shop around for a home loan? If you don’t,…

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The Pros and Cons of Adding a Co-signer to Your Mortgage Application

The Pros and Cons of Adding a Co-signer to Your Mortgage Application

By Aly Yale / September 10, 2021
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If you’ve got a lot of debt, spotty employment history, or a ding on your credit, it might be hard to get a mortgage.  Fortunately, bringing in a co-signer could help. With a co-signer, another person agrees to share the…

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