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Now” button on your loan officer’s web page, or contact your local Citywide loan officer and ask them to send you a direct link to the app. Digital Mortgage is completely secure, only you will know your login credentials Take photos of your documents (paystubs & W-2’s for example) and easily upload Chat with your loan officer and share a screen to go over the details of your loan Take action and close quickly with your own personalized “ Citywide Home Loans makes it easy to stay in touch with your loan officer and helps expedite the home loan process while keeping you informed at each step. Before you start this grand home-buying adventure, find a real estate agent who comes highly recommended and who will partner with Citywide Loans to make both the looking and the buying processes as virtual and as easy as possible.

When the Fed asked how recipients in general planned to spend a second check, results showed: This is good news for the housing industry and for you, because it means you probably could be using at least part of your first 2 stimulus checks and the one that is predicted to come early in the Biden administration to help you qualify for a new home mortgage, a home renovation loan, or even to lower your current payments by refinancing, while interest rates are so low. Here are 7 tips for how you can get the most out of your stimulus or tax refund checks to help you buy, renovate or refinance a home sooner: Put the money in a down-payment, high-yield savings account; your money will earn more there than in a standard checking account, while remaining safe and accessible. Use the money to pay down debt; reducing your debt-to-income ratio may have a larger impact on your ability to buy a home than adding the money to your down payment savings. ·       Add it to a home savings account; even though you’ll need more than your stimulus check to cover a down payment, putting it directly into your home savings account can help you cover a long list of homeowner expenses, like repairs.

When you’re looking for a new home, one important thing to consider is whether or not the one you love is within the jurisdiction of a Home Owner’s Association (HOA). Members pay dues or HOA fees that pay for maintenance and upkeep of common areas and facilities and for a reserve fund to cover emergency repairs. Common pros and cons include: Restrictions help ensure a uniform appearance for all the properties in the zone, thus helping to maintain property value; HOA properties usually sell for an average of 4% more. Common violations that may seem picky but could result in a fine, might include: A garbage can in view or sports equipment left out after hours Fencing dimensions or styles that vary from the norm Grass that is allowed to grow too tall Window coverings that face the street and are not approved Having a pet or too many pets A vegetable or flower garden that is in the “wrong place” The type and placement of security lights on your property Abandoned vehicles in the driveway or on the street

Now that you are a home owner, you need to be aware of the upkeep both inside and outside that will maintain your home’s value, safety and comfort. We are usually less likely to look carefully at the outside of our home than we are the inside, where we spend more of our time and are impacted by needed repairs, so let’s start out there. Siding: Whether the outside of your home is brick, stucco, vinyl, or wood, it will need power washing, painting, checking for mold or rotting wood, caulking of holes made for wiring, repairs to damaged brick or stucco or other signs of wear and tear. Foundation: Check your foundation at least once a year for cracks caused by weather, shifting of the ground the house is built on, damage by insects or leaking pipes.