homebuyer

Rising house prices

Conventional loan limits are rising in efforts to accommodate the rising price of housing. The demand for housing has risen beyond housing availability.

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So what does this mean for potential home buyers?

It means that as soon as a house hits the market, it probably won’t stay on for more than a few days. This is where pre-qualification and pre-approval gives you the upper hand.

If a seller has multiple offers on the table, they’re likely to select a buyer who is pre-qualified or pre-approved. They buyers know that this seller is serious, they’ve thought about financing, and have found a lending partner who is willing to work with them.


It takes less than five minutes to apply for pre-qualification! Just click Apply Now!


Winter is coming

Whether this will be the first winter in your new home or you’re hoping to save some pennies on your energy bill in your apartment to put towards your down payment, we have a few tips and tricks to show you how to make your home more energy efficient as the temperatures begin to drop.

Imagine home lending energy efficiency tips



Heat the spaces you spend the most time in. Set the thermostat to 62-68 degrees, and use space heaters in rooms that get the most traffic. We simply suggest that you use space heaters with auto shut off safety features when they’re knocked over. You can even go all out and get space heaters that look like fireplaces. Only heating the spaces that you’re most likely to occupy can shave a few dollars and cents of your monthly bill this winter.



Humidity. Warm air can be a little dry during the winter. Adding moisture to the air helps forced heat stick linger a little longer. Buy a humidifier, and set it on a timer.



Check your water heater. Set your water heater to 120 degrees. It’ll keep you from scalding you in the shower if you accidentally turn the dial a little too far, and cut down energy costs.



Check your furnace. Check your furnace filters monthly, and replace as needed.



Sunlight. Winter can bring about a lack of Vitamin D, so opening the curtains when the sun is shining can perk up your mood. Of equal importance, having south facing curtains open during the day will bring natural heat into the home. Just make sure you close them when the sun goes down in order to keep that warm air in.



More on curtains. Insulated curtains are worth the few extra dollars, and they come in an array of colors and patterns that will suit almost any room’s decor.



Check with your local energy co-op. Our local energy cooperative offers efficiency incentives programs. They give clients discounts for buying new energy efficient appliances, recycling old ones, for switching to LED lighting, for high efficiency water heaters, geothermal HVAC, and for having energy audits performed on your home. Most energy companies offer discount programs for sprucing up your home with energy upgrades. Visit your energy provider’s website for more information.  



Do you have any energy saving tips to share?

Find us on social media or email to tell us how you prepare when winter is coming.