Recent Articles
How to Buy a Home with Low Income: Yes, It’s Possible!
Learn how to buy a home with low income using practical tips, loan programs, and expert advice. Discover affordable options and assistance programs to make homeownership possible!
Published on 12/11/2024
Decoding the Factors Affecting Your APR: A Homebuyer's Must-Know Guide
Are you puzzled by your APR changes? Uncover the key factors influencing your mortgage rate & gain control of your homebuying journey!
Published on 12/10/2024
Affordable Homeownership: 6 Questions to Help Lower Costs
Affording a home in today’s market can feel overwhelming, but there are actionable steps you can take to make it easier.
Published on 12/04/2024
Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home
While spring and summer are traditionally popular for real estate transactions, the fall and holiday months offer unique advantages that can make buying a home during this period particularly beneficial.
Published on 11/27/2024
Essential Checklist for Securing Your SBA 504 Loan
Unlock your dream of homeownership with expert guidance on navigating the SBA 504 loan process. Discover key tips for a smooth journey!
Published on 11/25/2024
Should I Wait for Rates to Go Down More, or Should I Refinance Multiple Times?
Deciding whether to refinance your mortgage now or wait for rates to drop further can feel like a gamble. While chasing the "perfect" rate may seem tempting, it’s often better to act when the savings outweigh the costs. For example, refinancing from 6.5% to 5.5% today could save you $300 a month—savings you’d miss out on if you wait too long. And yes, refinancing multiple times is an option, but it’s important to weigh closing costs and long-term goals. Not sure what makes sense for you? Contact an expert at AFM to help you navigate your options and lock in savings. Why wait to make your mortgage work for you? Let AFM guide the way!
Published on 11/20/2024
Why It Might Be Time to Trade Living with Your Parents for a Place of Your Own
While living with parents can be a practical solution in certain circumstances, exploring homeownership can offer long-term financial benefits and personal growth.
Published on 11/20/2024
From 20% to 7%: How a Cash-Out Refinance Can Crush Your Credit Card Debt and Save You Thousands
Drowning in high-interest credit card debt? You’re not alone. With average credit card rates hovering around 20%, it’s no wonder so many people feel stuck in a cycle of minimum payments. But what if you could leverage your home’s equity to pay off that debt at a much lower interest rate? A cash-out refinance might be the solution. By replacing your current mortgage with a larger one, you can use the extra cash to eliminate credit card balances, simplify your payments, and save thousands in interest. In this article, we’ll break down how refinancing works, when it makes sense to consolidate debt, and the risks you need to consider before taking the leap. If done wisely, it could be the first step toward financial freedom.
Published on 11/15/2024
Get Help with Paid Sick and Family Leave Credits: What You Need to Know! Up to 32K back.
If you’re a business owner, you might qualify for helpful tax credits from the IRS. These credits were designed to ease the cost when employees need time off for health or family reasons, especially with COVID-19 in mind. Not sure if you qualify? It’s easy to find out!
Published on 11/13/2024
Guide to Maximizing Profits: 1031 Exchange Explained for Real Estate Agents
Discover how 1031 exchanges can be the key to unlock more opportunities for your clients in the competitive real estate market.
Published on 11/13/2024
Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase
While economic indicators like inflation and Federal Reserve policies are important, the current increase in housing inventory and slower price growth present a promising opportunity for homebuyers.
Published on 11/13/2024
Mastering Low Credit Scores: Your Path to Homeownership Success
Unlock the door to your dream home by turning your low credit score into a stepping stone to homeownership prosperity. Discover how today.
Published on 11/07/2024
What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch
Explore how the Fed’s expected rate cut and recent election outcomes could impact economic policy, inflation, and job growth—what this means for borrowers and the broader economy.
Published on 11/06/2024
Debunking Scary Myths About Buying a Home
Buying a home is one of the biggest financial decisions you’ll make, but it doesn’t need to be scary.
Published on 10/30/2024
How Non-QM Loans Work: A Smart Alternative for Non-Traditional Borrowers
Learn how Non-QM loans provide flexible home financing options for self-employed individuals, freelancers, and those with non-traditional income. Discover if this alternative mortgage is right for you.
Published on 10/23/2024
Is Now the Right Time to Refinance Your Mortgage?
Considering refinancing your mortgage? Learn how refinancing can improve your financial situation, when it makes sense to act, and what factors to consider. Contact us today for personalized refinancing options!
Published on 10/16/2024
The Surprising Factors That Could Make Your Home Worth More!
Discover the top factors that can increase your home's value, from location and upgrades to market trends. Learn how you can boost your property's worth and when refinancing might make sense!
Published on 10/09/2024
How to Beat Inflation and Buy the Perfect Home: 6 Hacks for Savvy Buyers
Is buying a home during inflation a bad idea? Is it possible? Here are 6 tips for making the right move.
Published on 10/02/2024
Your Home’s Hidden Value: How Much Equity Can You Borrow Today?
Rates are dropping. Find out how much you can borrow from your home equity.
Published on 09/25/2024
Interest Rates Are Dropping: Here’s What It Means for Your Loans and Savings
The Feds are anticipated to lower interest rates. Here is how lower rates could affect mortgage rates, credit cards, car loans, and savings.
Published on 09/18/2024