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Isolina Fernandez-Kirchner| NMLS# 49153
Mortgage Banker

Blog Articles

2025 Housing Market Predictions

2025 Housing Market Predictions

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As we head into 2025, the housing market looks set to experience more balance compared to the volatility of the past few years. While mortgage rates may not return to their record lows, their gradual decrease will likely stimulate demand.

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Does the Federal Reserve Affect Mortgage Rates? 7 Factors That Influence Your Rate

Does the Federal Reserve Affect Mortgage Rates? 7 Factors That Influence Your Rate

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By understanding and managing key factors such as your credit score, down payment, property type, and loan amount, you can position yourself to secure the best possible rate for your home purchase.

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Renovate Smarter, Not Harder: Quorum’s Renovation HELOC

Renovate Smarter, Not Harder: Quorum’s Renovation HELOC

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By leveraging your home’s future value and avoiding the need for refinancing or PMI, you can embark on your renovation projects with confidence

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House Rich, Cash Poor? Here’s How to Buy Your Next Home Without Selling First

House Rich, Cash Poor? Here’s How to Buy Your Next Home Without Selling First

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It’s possible to sell your old home and buy a new one without facing qualification or timing challenges, and it’s important to become familiar with the differences between each alternative

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Understanding Home Equity: A Valuable Asset for Homeowners

Understanding Home Equity: A Valuable Asset for Homeowners

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Home equity is more than just a number on a balance sheet; it’s a valuable asset that can be used to improve your financial well-being. Whether you’re looking to make home improvements, consolidate debt, or cover large expenses, tapping into your home equity can help you achieve your goals.

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Contingent vs. Pending Properties: What’s the Difference?

Contingent vs. Pending Properties: What’s the Difference?

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If you’re eyeing a contingent or pending property, you may still have opportunities to make an offer or view the home. Understanding these distinctions can empower you to act swiftly and strategically in a competitive market.

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How a Reverse Mortgage Can Help Fund Healthcare and Home Renovation Needs

How a Reverse Mortgage Can Help Fund Healthcare and Home Renovation Needs

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And with over 11,000 people turning 65 each day, the demand for innovative retirement solutions is greater than ever. We strive to enhance your financial options during retirement, providing you with the resources to navigate your golden years with confidence.

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Highly Anticipated FHA 203(k) Loan Updates Coming Soon

Highly Anticipated FHA 203(k) Loan Updates Coming Soon

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With higher allowable renovation amounts and extended timelines, the 203k loan program is becoming increasingly flexible and attractive for homebuyers looking to invest in fixer-uppers.

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Everything You Need to Know About Closing Costs

Everything You Need to Know About Closing Costs

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Buying a home is an exciting journey, but over 50% of first-time homebuyers are caught off guard by closing

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A Homeowner’s Guide to Using an Escrow Account for Your Property Taxes

A Homeowner’s Guide to Using an Escrow Account for Your Property Taxes

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Property tax escrow accounts are a significant component of homeownership, providing a structured way to manage your property tax payments. By understanding how these accounts work, you can navigate your mortgage with greater confidence and ease.

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Rental Costs Are on the Rise: Why Owning a Home Is More Attractive Than Ever

Rental Costs Are on the Rise: Why Owning a Home Is More Attractive Than Ever

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In the face of rising rental costs, the shift towards homeownership is more pertinent than ever. By taking advantage of down payment assistance programs and understanding the true benefits of owning, you can start paving the way toward a more secure financial future.

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10 Home Maintenance Projects to Complete This Fall

10 Home Maintenance Projects to Complete This Fall

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Taking a proactive approach to home maintenance not only enhances your comfort but also helps prevent costly repairs in the future.

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Why Banks Use Escrow Accounts for Homeowner’s Insurance and How It Benefits You

Why Banks Use Escrow Accounts for Homeowner’s Insurance and How It Benefits You

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Navigating homeowner’s insurance and escrow accounts can seem complex, but understanding these components will help you manage your finances effectively.

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203(k) Loans: Your Solution for Renovation and Appraisal Challenges

203(k) Loans: Your Solution for Renovation and Appraisal Challenges

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Whether you’re facing renovation funding challenges or dealing with appraisal issues, a 203(k) loan may provide a flexible solution to help you achieve your home improvement goals.

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Number of Homes for Sale Increases by 19.8%: How to Navigate the Recent Surge in Inventory

Number of Homes for Sale Increases by 19.8%: How to Navigate the Recent Surge in Inventory

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The housing market is experiencing a notable shift as inventory levels increased by 19.8% year-over-year.

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