Keep the Ho, Ho, Ho in the Holidays!

As we head into the holiday season each year, we also head into one of the most dangerous for credit fraud and stolen identities. The more you use your credit cards, at malls or online, the more opportunities there are for criminals to hack into computer systems and tarnish some of your holiday cheer. Fortunately, there is a new protection available to all consumers, and I wanted to share a press release from the Federal Trade Commission with news you might want to keep in your files in case you ever need it: Free credit freezes and year-long fraud alerts […]

Homebuying? Consider Creative Financing

Buying a home can help you save money in the long run and creative financing can help you do it if home ownership feels out of reach right now. Did you know that most times when buying a home a 20% down payment isn’t necessary? Or that here in Maryland several thousand dollars are available as a grant that doesn’t need repayment? Here are a few different scenarios. • There are 3% down loans available and you don’t need to be a first-time home buyer to qualify. Let‘s do the math on that, if you purchase a home at about […]

Home buying for LGBTQ Couples & Individuals

Buying a new home is an exciting and life changing adventure. For someone that has never bought a home, the question is, “Where do I begin?” Most people simply take to Google and begin looking at the pictures of homes they like. But how do you get from seeing a home you like, to crossing the threshold of that dream home with keys in hand? Well let’s think about this for a second. When we need groceries, we go to a grocery store. When we need gas we go to a gas station. When we need insurance, we call an […]