How to Prepare for Buying a Home

Published January 29, 2015 1534 Views

Here's a list of some steps you need to take before you get into "home buying mode". First, you should know that you will need a credit score of at least 640 in order to qualify for a mortgage. If your score falls below that threshold, here are a few things you can do to improve it ove...

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3% Down Conventional Loans

Published December 31, 2014 2289 Views

This exciting program is designed for low-to-moderate-income homebuyers. It provides significant flexibility in credit guidelines for borrowers with limited cash resources! It is a fixed rate program available for a 30 year fully amortized term. PERFECT FOR FIRST-TIME HOMEBUYERS! UNLIMITED G...

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Thank You!

Published December 3, 2014 1494 Views

Now that we've settled back in after the Thanksgiving Holiday, and because today is#GivingTuesday& #RocTheDay, we would like to take the time to sayThank You to all of our customers and business partners who have made us who we are today. We understand the importance of what it means to be a...

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Why It's Still A Good Time to Buy and Sell in the Winter

Published November 26, 2014 1977 Views

It seems that there is a misnomer that you should always wait to buy and sell a house once the spring market arrives, which is when the 'peak' season of real estate exists in the North East. Just because there may be some snow on the ground, doesn't mean you should just hunker down and w...

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What You Need to Know About Buying a Home

Published September 3, 2014 2094 Views

Buying a house is a memorable experience, and knowing what to expect will help you in your journey. We've outlined the most common steps in buying a home including details that you will find useful as you proceed in the process. What happens after you've found your perfect home? App...

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Why Now is the Perfect Time to Buy A House in Buffalo

Published July 30, 2014 2187 Views

Buffalo has been a bright spot in the housing crisis and has managed to buck the national trend of high foreclosure rates and decreasing home values. Going into this challenging time, Buffalo's history of stable housing prices, a stable economy and our lower unemployment rate seemed to indica...

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USDA Mortgages - A Zero Down Payment Option

Published June 25, 2014 7128 Views

A common misconception is that a United States Department of Agriculture (USDA) Mortgage applies to farms. In fact, under USDA regulations, having a working farm negates USDA eligibility. The purpose of the USDA program is to develop purchases in rural areas. You may be surprised by what is consider...

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Should You Buy or Rent?

Published May 30, 2014 1795 Views

Deciding on whether to rent an apartment or buy a home has varying consequences from financial aspects, quality of life benefits and considerable cost differences over the long term. Read below to see why buying home might be best for you. Financial BUY Interest on mortgage taxand...

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How the Washington Post Got It All Wrong on Home Ownership

Published May 6, 2014 1475 Views

A recent article in the Washington Post was hardly favorable to housing. Basically, the article dispels the belief that a home is the best investment for most people. Other investments, such as stocks, are better investments over the long run. The article misses the point. The home you own isn...

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The 10 Mistakes People Often Make When Buying A Home

Published April 23, 2014 2224 Views

The home buying process should be a fun and exciting time for you. We hope to show you how to avoid common pitfalls which will make the home buying process a more enjoyable experience for everyone involved. The 10 Mistakes 1. Starting your home search without being pre-approved for a mortgag...

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