mortgages: Bold Wallpaper Makes A Statement In 2019 - 05/24/19 09:09 AM
From a sophisticated couch to a stunning art print, there are plenty of ways that you can dress up your living room and instantly change its vibe. You may not realize it, but wallpaper is back in fashion and becoming another popular way to instantly revamp a room.
If you’re contemplating ways that wallpaper can benefit your space, here are some options you may want to try out.
Add An Accent
A brightly colored accent wall may still be a popular trend, but a way to bring your wall into current fashion can be to add wallpaper. In addition to a fun print, wallpaper … (0 comments)

mortgages: 9 Strategies to Handle Home Maintenance Costs - 05/23/19 02:37 PM
Maintenance is an important part of home ownership. Improper care compromises the safety of your property and can result in big repair bills. Include these strategies in your maintenance plan to reduce your out-of-pocket costs.
Educate Yourself
It’s usually cheaper to do most home maintenance jobs yourself. Teach yourself some basic skills to save yourself from professional fees.
Take some classes. Community colleges and hardware stores often host community courses that help you plan projects, get familiar with new tools, or gain more value from property assessments.Invest in beginner books on carpentry, electrical work, and plumbing. These will be invaluable references throughout your home … (2 comments)

mortgages: Loan Servicing Companies - 05/22/19 11:54 AM
What happens when you suddenly get a notice to pay your mortgage to a company you may have never heard of? How do you determine if this is a legitimate request or a scam?
A borrower may get a written notice or an email that their mortgage sold to another entity or that a new loan servicing company will now be collecting the mortgage payments. The borrower needs to exercise extreme caution before just sending in a payment to the new company. It is prudent to double check to see if the communication is legitimate because many people get scammed by this … (1 comments)

mortgages: What’s Ahead For Mortgage Rates This Week – May 20th, 2019 - 05/20/19 12:38 PM
Last week’s economic reports included readings from the National Association of Home Builders on housing market conditions, housing starts and building permits issued. Consumer sentiment was reported along with weekly readings on mortgage rates and new jobless claims.
NAHB: Builder Confidence Rises in May, Housing Starts Increase in April
The National Association of Home Builders Housing Market Index posted its highest reading in seven months in May as headwinds facing home construction waned. Lower mortgage rates were a positive sign. May’s reading rose three points to 66; component readings also rose.
The index of builder confidence in current housing market conditions rose three points to … (0 comments)

mortgages: NAHB: May Home Builder Confidence Hits Highest Level in 7 Months - 05/16/19 10:56 AM
The National Association of Home Builders reported the highest builder confidence reading in seven months for May. May’s reading exceeded expectations for an index reading of 64 and rose three points to 67.
Component readings for the main NAHB reading were also higher. Builder confidence in current housing market conditions rose three points to 72; confidence in housing market conditions for the next six months rose one point to 72 and the reading for buyer traffic in single-family housing developments rose two points to 49.
Any reading over 50 indicates most builders are positive about housing market conditions, but the reading for buyer … (0 comments)

mortgages: Can I Sell A House That Still Needs Repairs? - 05/15/19 08:49 AM
When you started thinking about putting your house up for sale, you probably made a list of repairs that need to be done ahead of time. If that list was long, you might be at a point where you’re asking if it’s all worth it. Will prospective buyers really notice the little things? And even if they do, will that affect how much you’re able to get for your home?
You Can Sell An Imperfect House
Your house doesn’t need to be perfect in order to sell it. Many older homes have some issues like outdated kitchens and bathrooms or wall-to-wall carpeting that … (0 comments)

mortgages: What’s Ahead For Mortgage Rates This Week – May 13th, 2019 - 05/13/19 06:42 AM
Last week’s economic news included readings on job openings and inflation. Weekly reports on mortgage rates and first-time jobless claims were also released.
April Inflation Falls Short of Expectations
The Consumer Price Index for April fell by 0.10 percent to 0.30 percent. Analysts expected a reading of 0.40 percent, which hatched the March reading. The Core Consumer Price Index excludes volatile food and fuel sectors; core inflation grew by 0.10 percent in April, which matched the March reading and fell short of the expected growth rate of 0.20 percent.
The Federal Reserve has set an annual inflation rate of 2.00 percent as a benchmark … (0 comments)

mortgages: How to Become A Billionaire Land Trader - 05/08/19 08:47 AM
Trading land like a billionaire relies on three simple premises. The first one is to acquire the land for cheap. The second one is to never intend to sell it. The third one is, if you trade it, trade up.
Howard Hughes
Billionaires that start with an inheritance have an advantage. Howard Hughes was born into wealth. His father invented an oil drill that penetrated difficult, hard rock, which made Howard Hughes one of the richest men in the world from his inheritance.
Hughes visited Las Vegas during WWII for the first time. Then, in the 1950s, he traded some parcels of desert land … (0 comments)

mortgages: What To Look For In A Real Estate Agent - 05/01/19 02:10 PM
You have lots of choices when it comes to choosing a real estate agent. Aside from deciding if you’d prefer to work with a man or woman, and what age range you’d like them to be, here are some tips to help ensure that you pick one that is best suited for your needs.
Signs In Their Bio
The first thing to do is read the bios of any real estate agents you’re considering. Bios tell a lot about an agent, including what certifications they hold and how long they’ve been an agent. Some bios even have some personal information such as charitable … (0 comments)

mortgages: The Economics Of Going Green For Home Sales - 04/30/19 02:30 PM
Earth Day is celebrated each year in April to remind us all of the benefits of ecologically-sound living that is more in harmony with Mother Earth. There is quite a bit of positive news when it comes to going “green.” There are significant benefits for home sales.
Green homes may sell faster and for higher prices. Many people are willing to pay more for a green home in order to receive the long-term benefits of the savings on utility costs.
The Numbers Are Very Appealing
AHS reports many encouraging statistics. The estimates are about one-third of the real estate market for single family homes … (1 comments)

mortgages: What’s Ahead For Mortgage Rates This Week – April 29th, 2019 - 04/29/19 06:23 AM
Last week’s economic reporting included readings on sales of new and pre-owned homes; weekly reports on mortgage rates and new jobless claims were also released along with a report on consumer sentiment.
Sales of New Homes Hit 16-Month High
The Commerce Department reported that deep discounts offered by home builders boosted sales of new single-family homes to 692,000 sales on a seasonally-adjusted annual basis.
March sales exceeded February’s reading by 4.50 percent and exceeded the expected sales pace of 656,000 sales. The average price of new single family homes fell to $302,700 in March; this was 9.70 percent lower year-over-year.
Real estate pros reported higher … (0 comments)

mortgages: 12 Ways to Lower Your Monthly Utility Bills - 04/26/19 06:00 AM
According to the US Department of Energy, the average American household paid $111.67 each month for utilities in 2017. With some research and a few DIY projects, property owners can reduce those energy costs without sacrificing comfort or convenience.
Establish Energy Friendly Habits
Reduce energy waste to see an immediate change in your utility payments.
Before bed, walk around your home. Make sure you turn off all lights, televisions, computers, and other plugged-in devices. In the colder months, close the doors to unused spaces to save big on heating bills. Dial down the heat before bed. Invest in extra blankets and cozy pajamas … (2 comments)

mortgages: 8 Curb Appeal Tips for Selling Your Home Fast - 04/24/19 11:27 AM
From small touches such as new lighting to larger efforts such as tiling the porch or stoop, creating curb appeal is one of the best investments you can make to resell your home fast.
Here are eight ideas to maximize curb your appeal.
Landscaping Is Critical For The First Impression
Cut Back Trees and Shrubs. Landscaping should enhance your house, not overwhelm it. Trimming can bring impressive results. If you don’t have a steady hand, leave it to a professional or handy relative. Manicure Your Lawn. A freshly mowed lawn is a must the week before a showing. Be sure to trim and edge … (0 comments)

mortgages: Finding ‘Hard Money’ Lenders Is Easier Than You Think - 04/23/19 04:14 PM
Are you the type of real estate investor that has an interest in a treasure hunt? A real estate investment strategy based on hard money is, at its core, a treasure hunt. There must be an underlying value, the “treasure,” for a hard money opportunity to exist.
Collateral For A Hard Money Loan Is Only The Property
Hard money loans rely only on the value of the real estate property for collateral. The credit history of the borrower is not important. Usually, the limit for a hard money loan is a 60% loan-to-value. The hard money loan must be in the first position, … (0 comments)

mortgages: What’s Ahead For Mortgage Rates This Week – April 22nd, 2019 - 04/22/19 06:44 PM
Last week’s economic news included readings on home builder confidence in housing market conditions and Commerce Department reports on housing starts and building permits issued. Weekly readings on mortgage ratees and first-time jobless claims were also released.
NAHB Housing Market Index: Builder Confidence Rises One Point in April
Home Builder Confidence readings posted by the National Association of Home Builders held steady for April and rose one point overall. Component readings for the NAHB Housing Market Index were mixed; builder confidence in current housing market conditions rose one point to an index reading of 69, but builder confidence in housing market conditions in … (1 comments)

mortgages: NAHB: Home Builder Confidence Rises in April - 04/18/19 12:05 PM
Home builder confidence increased in April to an index reading of 63, which was one point higher than for March and the highest reading in six months. Analysts said that April’s reading revealed more about housing market conditions in the past six months than it was an indicator of future market conditions.
November’s builder confidence reading was the lowest since housing markets tanked in 2008, Builder confidence recovered over the past few months despite headwinds including higher materials costs and shortages of labor and buildable lots.
Home Builder Confidence Holds Steady Despite Headwinds
NAHB Housing Market Index readings over 50 indicate that most home … (0 comments)

mortgages: Home Maintenance Tips: How to Organize Your Garage - 04/16/19 01:36 PM
Perhaps you plan to sell your home in the next few months or years. Keeping your garage organized can save time and ensure that you have storage space when you need it most.
Get Your Purge On!
Clear out the garage and separate items into categories: keep, trash, donate and recycle. If you get rid of 50 percent of your stuff, you’re doing great. The more you can get rid of up front, the less you have to organize! And if you haven’t used it in years, why would you need to keep it around?
Create Zones
Map out space with masking tape, starting with … (2 comments)

mortgages: What’s Ahead For Mortgage Rates This Week – April 14th, 2019 - 04/15/19 04:42 PM
Last week’s economic readings included reports on inflation, mortgage rates, and first-time jobless claims. Monthly reporting on consumer sentiment was delayed.
Consumer Price Index: Inflation Rises in March
The Consumer Price Index rose 0.40 percent in March, which matched expectations and surpassed February’s month-to -month reading of 0.20 percent growth. The March reading showed the highest consumer price growth in 14 months; higher rents, fuel and food prices contributed to month-to-month price gains in March.
The Core CPI excludes volatile food and energy sectors and was unchanged in March although 0.20 percent growth was expected. February’s reading showed 0.10 percent growth. Inflation increased 1.90 … (0 comments)

mortgages: When Is The Best Time To Do Your Roof Maintenance? - 04/12/19 08:41 AM
Perform roof maintenance on sunny days when there’s less chance of slipping. Blocking off a weekend twice a year gives you plenty of time to complete the items below without rushing or taking unnecessary risks. The beginning of spring and fall present the best opportunities to complete your maintenance before the weather turns too hot or too cold.
Loose Debris Removal
Remove leaves, branches and accumulated debris before winter sets in. Set up a ladder, preferably with another person holding the ladder steady, and clean off as much debris as possible without risking your safety.
General Inspection
Start in the attic or crawl space by … (0 comments)

mortgages: FOMC Minutes Reveal Fed Policymakers U-Turn - 04/11/19 11:46 AM
Members of the Federal Reserve’s Federal Open Market Committee voted to hold the target range of the federal funds rate to its current range of 2.25 to 2.50 percent. The minutes of the most recent Committee meeting cited softening domestic and global economic conditions as reason for not raising the target federal funds range.
While labor markets remained strong, the minutes noted that household spending and business investment slowed in the first quarter of 2019. FOMC members expected Gross Domestic Product growth to slow as compared to its 2018 pace.
While current inflation and the national unemployment rate fell in line with the … (0 comments)

 
Joe Gonzalez, NMLS# 134407 (610) 739-6563 (CrossCountry Mortgage, LLC) Rainmaker large

Joe Gonzalez

NMLS# 134407 (610) 739-6563

King of Prussia, PA

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CrossCountry Mortgage, LLC

Address: 625 W. Ridge Pike, Building C, Suite 100, Conshohocken, PA, 19428

Office: 610.355.8039

Mobile: 610.739.6563

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