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News, Blog & Insights

As we gather with loved ones to celebrate Thanksgiving, we at Mortgages by Richard want to take a moment to express our sincere gratitude. We are incredibly thankful for the opportunity to serve our clients and be a part of their homeownership journey.
Celebrate Veterans Day by honoring the service and sacrifices of our military heroes. Learn about VA home loan benefits and how we can support veterans in achieving their dream of homeownership. A heartfelt thank you to all who served.
The American Dream is alive and still within your reach! The recent presidential election has sparked a flurry of news, opinions, and speculation, which can be overwhelming, especially when it comes to significant financial decisions like buying a home or refinancing.
As a mortgage consultant, I've seen firsthand how debt can hinder financial goals, including homeownership. If you're struggling with debt, don't despair. There are effective strategies to help you regain control of your finances. Here are some top tips to get you started.
Learn how to negotiate the price of a house effectively. Use smart strategies, understand the market, and save money on your dream home.
Diving into home renovations but puzzled about the financing part? Our detailed FAQ guide on home renovation loans covers everything you need to know to fund your dream makeover with ease.
Spring is the perfect time to rejuvenate your home's exterior. Discover how simple changes can drastically improve your curb appeal with our easy-to-follow guide.
Spring is the perfect time to rejuvenate your home and ensure everything is in tip-top shape. Embrace the season with a home that's refreshed and well-maintained!
The Super Bowl versus the Home Buying Process. This article explores the parallels between the Super Bowl and the home buying process, offering valuable insights into the mortgage process through the lens of football.
If you're looking for a home loan, you might be wondering whether to work with a mortgage broker or a mortgage lender. Here are some key points to consider.
Buying a home is a major milestone for many people, but it can also be a daunting process. This blog post explores some of the most common loan options for first-time homebuyers, and explains their benefits and drawbacks.
In an era where dual-income households have become the norm, the idea of buying a home on a single income might seem like a distant dream.
The answer depends on several factors, such as the type of mortgage you are applying for, the amount of down payment you can afford, the interest rate you qualify for, and the lender's own criteria.
As we celebrate this festive season, we want to wish you all a very Happy Holidays, Merry Xmas, Happy Kwanzaa, and a Prosperous New Year. May you have peace, joy, and love in your hearts and homes.
Are you looking for a way to finance your home improvement projects, consolidate your debt, or pay for your child's education? If you have equity in your home, you may be eligible for a Home Equity Line of Credit (HELOC).
If you are looking to buy a home with a mortgage backed by Fannie Mae or Freddie Mac, you should know that the loan limits for these agencies will change in 2024.
Achieving homeownership with poor credit and no down payment can be challenging, but there are options available to help you on your path to homeownership.
You might think that getting pre-approved for a mortgage means you are guaranteed to get a loan. However, that is not always the case. There are many reasons why a pre-approved mortgage can get denied, and some of them are avoidable.

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