Tracy Goff

If you've been preapproved for a mortgage, there's something important to keep in mind. That letter has an expiration date.
Understanding how long preapproval lasts, what can affect it, and what to do if your home search takes longer than expected can help keep the process on track.

Read the full breakdown: pmrloans.com/blog

The first day of fall is here.

There’s something about that first cool morning when you can finally feel the season changing. The air is different, the light is different, and somehow home feels a little more like the place you want to be.

If homeownership is on your list of goals this autumn, this might be the season to start putting those plans in motion.

It’s easy to keep waiting for the timing to line up, for circumstances to change, or for some future moment when everything finally makes sense.

But at some point, you have to stop waiting and start making decisions based on the life you want to live. Your home can be part of that, too.
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It's a common assumption that the housing market winds down once summer ends. In reality, fall can be a strong time to buy.

There tends to be less competition, sellers who are still active are often motivated, and the process can move more smoothly without the frenzy of a peak spring market.
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Home library or game room. If you had the space, which one would you choose? Drop your pick in the comments.

Today we remember.

The courage, sacrifice, and loss of that day remain with us. We honor all those who were taken too soon and all those who answered the call to help in such a time of need.

Happy Labor Day!

Today is a chance to step back, enjoy some well-earned rest, and spend time with the people who make it all worthwhile.
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Hold off on big purchases until after closing.

It can be tempting to start buying furniture or making big financial moves once a home is under contract. But large purchases before closing can affect your debt-to-income ratio and potentially impact your loan.

Holding off until after the keys are in hand is the safer move.
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If part of your income comes from overtime or bonuses, it may still count toward a mortgage.

The key isn't just how much you earn. Lenders also look for consistency and documentation during the approval process.

Read the full breakdown at pmrloans.com.
https://myoc.io/ig3CA54Ro7w

Basement or attic. If you could finish one out and make it your own, which would you choose?

Drop your pick in the comments.
https://myoc.io/ig3CA54Ro7w