Insider Tips on how to earn a MASSIVE Savings on your insurance

Annette Bui| Updated May 11, 2020 | Mortgage Programs 101

Insurance is highly important expense to ensure both your peace of mind and prepare in the event of damages to your home.

Some of these tips will help you SAVE on your overall costs!

Do your due diligence, ask for a referral from friends and family.
Compare quote options from at least three organizations.
Raise your deductible-the deductible is the amount you are responsible toward a claim. This means the higher the amount you pay on the deductible, the more is saved on your premium.
Bundle your policies for a larger discount. Many insurance companies will give you a discount when you bundle home and auto policies.
Prime your home to be resistant-in areas deemed disaster prone, it is essential to install the necessary features from shatterproof glass, roof reinforcements and storm shutters. Planning ahead will save you thousands in the future.

Comments

Things to know about a Title Report

Things to know about a Title Report Annette Bui| Updated March 7, 2019 | Mortgage Programs 101 Most homeowners are focused on securing the best rate or getting a good appraised value when buying a home. A very important aspect of the home buying process that may impact the closing time frame is what is shown on a title report. Oftentimes when buying a condominium, the lender will need to get the homeowner’s insurance binder. Depending on the community, this duration may take as long as 5-7 business days. Things to keep in mind to understand how a title report may affect you. Legal description-the legal description gives you more detailed information on the property that is not shown in the original listing advertisement. It is a written detail of property boundaries, any inclusion of property’s interest in common areas, easements and or any parking that is included. If it is a condominium, you will get information on any non-exclusive or exclusive easements. Taxes-R...

Little Known Difference between Interest Rate and APR

Little Known Difference between Interest Rate and APR Annette Bui| Updated March 21, 2019 | Mortgage Programs 101 On e of the first things consumers want to know is what is the interest rate? When comparing lenders and finding out which loan product works best for you. One of the most important factors is to look at what the Interest rate as well as the APR or annual percentage rate. While both figures will express how much you are paying on the loan, they do not mean the same thing. The interest rate is the cost for the principal amount borrowed on your mortgage loan. This can be either fixed for 15, 20 or 30 year term. The APR, short for annual percentage rate tells you the total cost of financing your loan including any fees, discount costs that are financed into the loan. This means, when you see an advertis...

My Story

My Dream is to advocate for your family: I take a personalized consultative approach to helping you get approved faster in the mortgage shopping process, offer a more streamlined process, generating solutions that are useful to consumers to build confidence in the mortgage shopping process. My personal goal is to find new and innovative ways to help families identify their mortgage based upon current market trends, personal need, client oriented approach to help families thrive and improve their most valuable investment. I see myself as a personal mortgage Guru, here to offer helpful information, better ways to save. Developing unique tools, investment strategies that revolve around your personal needs in a mortgage. As your personal mortgage guru, I can provide a customized approach to help guide you through the qualifying process, credit improvement, tips and tricks to gain the extra savings on your loan. My knowledge and support is all referral based and it is...

Lifestyle Mortgage Blog

Search This Blog