Personal Finance and Home Buying Education

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What to do if your home is “Underwater”

By John Chiappetta / January 13, 2023
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According to the World Economic Forum, global sea levels are rising and some of the world’s greatest cities could be underwater by the end of the century. Well, there is also a rising breach in the real estate market that…

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Understanding the Connection Between Inflation and Interest Rates

Understanding the Connection Between Inflation and Interest Rates

By John Chiappetta / January 6, 2023
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Well, 2022 is over and it’s been another wild and crazy year. 2022 saw inflation start at 7 percent then rise as high as 9.1 percent only to ease back down to 7.1 percent in December. At the same time…

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Everything You Should Know About Property Taxes

Everything You Should Know About Property Taxes

By John Chiappetta / December 2, 2022
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Over the last few years, homeowners have hit the jackpot in terms of home values. We’re talking double-digit gains in most cases. However, there may be a little devil hiding the details. Yes, we’re talking about property taxes. According to…

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Renter? — Buying a Home Could Save You Money 

Renter? Buying a Home Could Save You Money 

By John Chiappetta / November 4, 2022
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While home prices and mortgage and interest rates are rising, so are monthly rents. Rising rates and prices, however, should not be enough to keep you from purchasing a home. Take a look at the graph below, rents are absolutely…

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Opportunity Knocks with an FHA Loan

Opportunity Knocks with an FHA Loan

By John Chiappetta / October 21, 2022
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Probably the biggest thing holding many first-time buyers back from getting into their starter home is the 20 percent down payment. Not only is it a big chunk of change, but it also must be seasoned. No, not with salt…

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6 Money Conversations to Have Before You Get Married

6 Money Conversations to Have Before You Get Married

By Aly Yale / March 11, 2022
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Getting married ties more than your lives together. It also binds your finances — and that can be a challenge if you don’t have some open, honest, and candid conversations about money early on. It’s true: According to a survey…

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4 Ways to Cut Costs as Inflation Rises

4 Ways to Cut Costs as Inflation Rises

By Aly Yale / March 9, 2022
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You’ve probably heard by now that inflation is up — way up. In fact, it’s actually at its highest point in four decades. As a consumer, this means one thing: Higher prices. Prices on groceries and consumer goods are higher.…

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National Credit Education Month: 5 Tips on How to Build Your Credit Score From Scratch

National Credit Education Month: 5 Tips on How to Build Your Credit Score From Scratch

By Embrace Home Loans Staff / March 2, 2022
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If you don’t have much experience with credit, the idea of learning how to build up a credit score from scratch can seem intimidating. However, it doesn’t have to be that way. By following a few simple tips, you can…

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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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Paying Off Debt? 4 Tips to Help You Make More Progress

Paying Off Debt? 5 Tips to Help You Make More Progress

By Embrace Home Loans Staff / March 22, 2021
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Paying off debt is never easy, but it can be done. Plus, the feeling of relief when you’ve finally paid down your balances is like no other. With that in mind, if you are serious about getting your finances under…

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