Blog | 1st Phase Mortgage

Paul Barranco

May 83 min read

10 Things to Check Before You Buy a Home

We’ve learned the hard way that there are some very important things that should be checked before signing the papers to buy a new home....

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Paul Barranco

May 83 min read

7 Reasons You Need to Downsize

Mikey Rox It can be a tough decision to leave your home, especially if you’ve worked hard for it or it’s the residence you’ve always...

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Paul Barranco

May 83 min read

5 Money Moves That Will Ruin Your Mortgage Application

When applying for a mortgage, you shouldn’t do anything that will cause a bank to question your ability to repay the loan. You don’t need...

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Paul Barranco

May 83 min read

The Importance of Mortgage Pre-approval

Make Sure You’re Pre-Approved Before Looking at Homes If you are a first time home buyer or have been renting for quite a while, one of...

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Paul Barranco

May 83 min read

3 Innovative Home Technologies You Would Love For Your New Home

Modern homeowners who want to make their house smarter for efficiency or convenience can find all sorts of interesting ways to...

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Paul Barranco

May 84 min read

What Are The Best Home Improvements to Boost Value?

Maybe you’re thinking of remodeling your kitchen. Or maybe you’re planning to put your house on the market in the spring. You want to...

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Paul Barranco

May 82 min read

What Happens If I Inherit Property With a Mortgage?

One of the rights US citizens have is to bequeath their property to others. The right of inheritance applies to all property, including...

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Paul Barranco

May 83 min read

Many Americans are unaware of the costs of bad credit, survey shows

Credit scores are easier to access than ever, but according to a new NerdWallet survey, 11% of Americans have never checked theirs....

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Paul Barranco

May 84 min read

Is it worthwhile to roll your student loans into mortgage?

Student loans are a stumbling block for many young Americans interested in homeownership. In many cases, these loans increase their...

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Paul Barranco

May 83 min read

A renovation boom is turning homes into ATMs again

If you can’t move, renovate. Fast-rising home prices and a record-low number of homes for sale have a lot of homeowners choosing to stay...

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Paul Barranco

May 83 min read

Buying second home before selling current one, while tricky, can be possible with the right contingency plan

Is it smart to buy another home before selling your present home? That’s a loaded question given the lack of information you’ve shared...

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Paul Barranco

May 83 min read

7 Monthly Bills affected by your credit rating

You probably know your monthly bills can impact your credit, as late payments or accounts in collections can land on your credit report...

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Paul Barranco

May 82 min read

Budgeting Beyond the Home’s Sale Price

Determining how much home you can afford takes some number crunching. Sure, you should look at the listing price — but that’s only one...

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Paul Barranco

May 82 min read

Self-made millionaire: Buying a home can help you retire early, if you make 1 important choice

According to author and co-founder of AE Wealth Management David Bach, "buying a home is the escalator to wealth in America."...

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Paul Barranco

May 82 min read

4 Pet-Friendly Home Improvements

Your home should be a relaxing, comfortable respite for every member of your family — even the furry ones. But most homes aren’t built...

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Paul Barranco

May 82 min read

Ask your Agent these 7 Questions Now

So you found your dream home. You’re ready to put down an offer, pack your things and make that place your own. It’s natural to be...

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Paul Barranco

May 82 min read

Pro’s and Con’s of Paying off Mortgage Early

Your mortgage may come with a 15- or 30-year term attached to it, but that doesn’t mean you have to wait that long to pay it off. In...

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Paul Barranco

May 83 min read

Is It still Possible to find Cheap Foreclosures?

When a home buyer or investor wants to buy a cheap foreclosure, it’s easy to assume that all foreclosures sell for pennies on the dollar....

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Paul Barranco

May 81 min read

Adjustable Rate Mortgages (ARMs) Aren’t What They Used To Be

Today’s adjustable-rate mortgages are a lot different than they were in the past. And they may be the best choice for your purchase or...

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Paul Barranco

May 81 min read

6 Things Not To Do When Applying For A Mortgage

When lenders review your application, they like to see consistency in your finances. Here are six things you shouldn’t do when applying...

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