Understanding Condos, Townhomes, and Co-ops: A Guide for Prospective Homeowners
When it comes to choosing a place to call home, there are several options available, each with its unique characteristics and ownership...
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Ryan McPartland
- Jul 27
- 3 min
Understanding Down Payments and Earnest Money Deposits
Buying a home is one of the most significant financial decisions people make in their lives. It's a thrilling yet complex process that...
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Ryan McPartland
- Jun 21
- 2 min
Crafting a Winning Home Offer: A Listing Agent's Perspective
In the bustling real estate market, it's not uncommon for a listing agent to receive multiple offers on a property. As a prospective...
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Ryan McPartland
- Jun 10
- 6 min
What You Need to Know About Down Payments When Buying a Home
By Ryan McPartland of Mortgage Acuity What is a Down Payment? A down payment is the fraction of the house’s purchase price that you...
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Ryan McPartland
- Jun 6
- 3 min
Is Now the Right Time to Buy a House? Important Things to Consider
By Ryan McPartland of Mortgage Acuity When it comes to purchasing a home, there are numerous factors to consider. From having the...
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Ryan McPartland
- Jun 5
- 3 min
Tax Savings 101: How Owning a Home Can Lower Your Tax Bill
Owning a home provides you and your family a place you can call your own and feel more connected to your community, but it also provides...
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Ryan McPartland
- May 31
- 3 min
Demystifying Mortgage Loan Amortization: Understanding Your Payments
Purchasing a home is a significant milestone in many people's lives, and for most, it involves securing a residential mortgage....
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Ryan McPartland
- May 26
- 3 min
Understanding FICO Scores: Key Factors and Implications for Homebuyers
By Ryan McPartland of Mortgage Acuity When it comes to purchasing a home, your financial health plays a significant role in the process....
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Ryan McPartland
- May 23
- 5 min
Oh...Shit! Mistakes First-Time Homebuyers Should Avoid
By Ryan McPartland of Mortgage Acuity My parents often said, “With age comes wisdom.” They tried to steer me clear of making poor...
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Ryan McPartland
- May 22
- 2 min
Mortgage, Deed and Note - What Each Is And How They Work Together In A Real Estate Transaction
In a real estate transaction, a mortgage, deed, and note are three distinct components that serve different purposes. Here's an overview...
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Ryan McPartland
- May 22
- 2 min
What Is Hard Money?
In the mortgage industry, hard money refers to a type of financing that is typically provided by private investors or companies, often...
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Ryan McPartland
- May 22
- 2 min
What is a Non-Qualified (non-QM) Mortgage?
Non-qualified mortgage (non-QM) transactions refer to mortgage loans that do not meet the qualified mortgage standards set by the...
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Ryan McPartland
- May 22
- 2 min
Home Equity Line of Credit (HELOC) Versus Closed-Ended Second Mortgage - What Are The Differences?
A home equity line of credit (HELOC) and a closed-ended second mortgage are both forms of borrowing that use the equity in your home as...
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Ryan McPartland
- May 22
- 3 min
Effect of Rising Rates on Mortgages and The Home Buying Process
As a consumer, one should understand that higher payments are not the only effect of rising interest rates. It is also important to...
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Ryan McPartland
- May 22
- 2 min
Do You Really Know What A Mortgage Is?
Do you think you could accurately describe what a mortgage is to an auditorium filled with your peers and colleagues? Surprisingly, most...
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Ryan McPartland
- May 22
- 4 min
Should I Escrow Taxes and Insurance?
As a homeowner, you are required to pay property taxes, homeowner’s insurance (a/k/a hazard insurance) and flood insurance (if you are in...
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Ryan McPartland
- May 22
- 6 min
Solar Panels and Mortgages - What You Need To Know
I’m sure most of you are familiar with The Beatles' song, “Here Comes The Sun,” or Soundgarden’s “Black Hole Sun.” I’m hoping you are...
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