Most would-be homebuyers start their journey by gathering a down payment. This money is crucial to snagging a mortgage and getting that much closer to homeownership. But when you’re shelling out for hefty rent each month, paying for utilities, and chipping away at a stack of bills on top of that, it can seem impossible to save up for a down payment on a house. And after months of giving up daily lattes...
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By Francis Creighton December 13, 2021 at 9:00 a.m. EST Buying a home is a complicated process, even under the best circumstances. Between attending open houses, applying for loans and participating in negotiations, it’s a stressful undertaking. To lower the strain, one key is to check your credit report early in the process. Credit reports are most always free, and available at...
By Clare Trapasso Dec 6, 2021 News of a dangerous, potentially more transmissible new COVID-19 variant has shaken the financial markets to the core, resulting in international travel bans and renewed fears for the pandemic-weary population around the world. But will omicron, discovered in the U.S. last week, infect the housing market? The fear is that vaccines and antibodies acquired after infections...
By: Clare Trapasso After more than a year of staggering increases in home prices, the party appears to be coming to an end. The growth in prices, which rose more than 30% this year in some of the nation’s hottest real estate markets, appears to have peaked nationally. Home prices are still increasing, but substantially less than they were just a few months ago. There are even signs that some of the...
By: fitness-nation.net While the holidays usually bring us joy, they also tend to bring up the numbers on the scale. Thanksgiving is a holiday full of great food and great company, a time to enjoy yourself. However, you might be feeling a bit of post-Thanksgiving guilt after indulging in that third piece of pumpkin pie this year. While most people, even with major over indulgence, don’t gain more than...
By: Barbara Ficarra Practical tips for celebrating with family, friends as cases rise This holiday season, the best thing you can do for yourself, your loved ones and your community is to stay healthy and safe. COVID cases are very high right now throughout western New York with hundreds of new cases every day. And health leaders are bracing for more cases after Thanksgiving weekend. Think of COVID...
By: Meghan Holohan The real story of what happened between the settlers and Native Americans is way more complicated than pumpkin pie. Kids can handle the truth. Most people hear the story of Thanksgiving from a young age and it’s pretty simple. A group of Pilgrims, fleeing religious persecution, sail to North American and settle on Plymouth Rock. After a hard winter, they celebrate a successful...
Deciding who to include is one of the most difficult questions of the holiday season, said Dr. Iahn Gonsenhauser, the chief quality and patient safety officer at The Ohio State University Wexner Medical Center. “There is no one-size-fits-all solution to this question, as every situation will be unique,” Gonsenhauser told Healthline. Experts mention that COVID-19 now primarily affects people who have...
By Michele Lerner (washingtonpost.com) Even as the U.S. housing market appears to be returning to a more normal, pre-pandemic pace and fewer bidding wars, it continues to be tight. The main reason: a severe lack of homes to buy. Earlier this year, Realtor.com estimated the gap between the number of homes needed and the number of homes available at 5.24 million. That estimate in June represented an...
The 30-year fixed rate mortgage has stood as the gold standard for American home buyers since 1954, when the Federal Housing Administration broadly adopted it. So why is this the go-to mortgage for most people? What is a 30-year fixed rate mortgage anyway? It boils down to affordability and predictability. With this kind of loan, payments are made over a longer period of time (as opposed to a 15-year...
