How to do Black Friday in 2020

This year has been unlike any other, and we expect this year’s Black Friday, Small Business Saturday, Giving Tuesday, and Cyber Monday to be equally as different as the rest of the year. Some companies have started doing sales as early as the first week in November while others are waiting until Thanksgiving Day. If you have been hesitant to participate in Black Friday in years past due to the crowds, chaos, and mania that ensues, then this year is the time to try it out since it is all mostly online. We are here to help you navigate the online deals like a pro.

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Is an FHA Loan or a VA Loan Best for You?

There are many different home loan programs available that individuals can obtain depending on their circumstances. Whether you are a student or in retirement, getting your first or sixth home mortgage – this will always be an interesting topic of conversation. With so many options to wade through, we wanted to focus on two different government loan programs: FHA and VA. Though they are backed or insured by the federal government, that doesn’t mean they are the same.

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How to Enjoy the Holidays This Season While Following CDC Covid-19 Guidelines

This holiday season is going to look drastically different from those of previous years and huge family gatherings will most likely need to adapt to the current state of the world. Since the coronavirus is still a threat, we want to make sure you are enjoying the holidays as safely as possible. We have compiled a list of recommendations from the Center for Disease Control (CDC) so you can feel more informed about how to stay happy, healthy, and jolly.

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Pros and Cons of HOAs

Homeowner associations (HOAs) have become more common over the years than many might think. According to a study in 2018 from the Foundation for Community Association Research, 26.9 million homes in the United States belong to an HOA with the highest concentrations of them in California and Florida. Before buying a home in an HOA, it is important to understand what they are. Here we will illustrate the pros and cons of HOAs so you can be better prepared when you go to buy your next home.

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Understanding the Basics of Entering an HOA

When buying a home there are multiple things to consider. What kind of mortgage are you going to get? Do you want to remodel? However, one of the most important things to think about that many don’t know is whether your neighborhood has a homeowners association (HOA). In this guide we’ll answer all your questions surrounding HOAs like how much they cost, who controls them, and if you can opt-out.

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5 Updates to Create a Smart Home

Now that we are almost finishing up 2020, it is time to bring your home into this decade! Sadly, we still don’t have hoverboards or robot butlers, but you can still elevate your home to make it work more efficiently for you. With a few minor tweaks and a couple of new gadgets, your home can become a smart home. By updating your home’s sound, lighting, temperature, security, and safety you’ll be able to feel like your home is doing all the work on its own. 

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A Guide for Borrowers to First and Second Mortgage Options 

Buying a home is one of the biggest financial undertakings you can make during your life. Not many people can afford to buy their homes outright when the deal closes and need assistance in the form of a mortgage, or two. Here are the main types of mortgages borrowers can utilize when thinking about how to afford a home. 

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