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Breaking Down Your Mortgage Payment
By Charlestien Harris There are so many industry terms used in the home buying process that can be unfamiliar to the average consumer. One example commonly used by the mortgage lending industry is the acronym PITI. PITI is an acronym for a mortgage payment that...
Understanding the Benefits of the Homestead Exemption
By Charlestien Harris As a new homeowner or a first-time home buyer, one piece of important information that can be overlooked is the filing of the homestead exemption. Any homeowner can suffer a major loss, like the loss of a spouse or other financial setbacks,...
10 Steps to Buying A Home
By Charlestien Harris Purchasing a home is one of the most important decisions most people will ever make. The length of time it takes to buy a home varies according to the readiness of a potential buyer. For some it can take a few months, for others it...
Understanding a Reverse Mortgage
By Charlestien Harris A lot of conversations have been happening around understanding how mortgages can be used as a financial tool to improve your financial health and possibly build your net worth. So let’s dive in to get a better understanding of how a...
Understanding Certificates of Deposit (CDs)
By Charlestien Harris As a financial counselor, I get a lot of questions and concerns about which financial products can best suit my clients’ financial goals. One such product of interest is the certificate of deposit or the CD as it is most-commonly...
Why Home Inspections Are Important for Buyers and Sellers
By Charlestien Harris In the excitement of buying or selling a home, people sometimes overlook an essential step in the process. However, it is very important that you schedule a home inspection whether you are the buyer or seller of a house. The inspection is an...
Planning Your Retirement: Part 3
By Charlestien Harris Since I am thinking about retirement myself, I thought I would explore some important questions that should be answered before the big day arrives. Question 1: What age do I plan to retire? There is a lot of curiosity about what is the...
Tips for Paying for College: Part 2
By Charlestien Harris Last week, I started a conversation about resources, such as the FAFSA and scholarships, that could be utilized to pay for college. Read that blog here. This week, I am going to continue that conversation with additional options for financing a...