Renting vs. Owning Your Own Home

Let’s compare the costs and benefits of renting and owning.
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Understanding Seller Concessions

As home sales slow, prices erode, and rates increase, mortgage assistance by sellers for buyers can help cushion the impact of these market shifts, bridging the gap between what owners want or need and what buyers are willing to pay. With Seller Concessions buyers can score a better deal at...
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Fed Increases Rates This November

Let's look beyond the Fed rate increase. As expected, the Fed raised policy rates by 0.75% at their November meeting. That's not the most interesting thing.Investors were hoping the Fed would signal it's ready to ease off the current pace of rate hikes. And that's what happened. The Fed's statement...
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NJ Conventional Down Payment Assistance Program Increases To $15,000

Now home buyers can dream even bigger! The New Jersey Conventional Down Payment Assistance (DPA) Program has increased to $15,000 for properties in certain New Jersey counties*. This program was created to provide first-time home buyers a flexible and affordable option for purchasing a home.
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Why Should you Consider A Reverse Mortgage?

What is a Reverse Mortgage?
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What Is A 2-1 Buydown Loan?

 
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3 Biggest Questions About Real Estate and Mortgages

As we near the end of 2022, the housing market is still in a constant state of shifts and changes. Some bigger or more impactful than others, but the truth remains the same: while we wish we had a crystal ball, we’ll never be able to predict what’s going to happen. However, one thing will always...
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The Truth About Mortgage Rates

 
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Reverse Mortgage for Home Purchase

When you were younger, your home was the perfect place. Your spacious backyard provided a place for your children and even your pets to run and play. Your kitchen provided meals to feed your family and your living room and den served as the family gathering spot. During those years, the last thing...
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Conforming Loan Limits Increase to $715,000

At Emerald Home Loans, we’re passionate about opening doors for home buyers.
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