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Richard Stafford| NMLS# 263366
Loan Officer

Blog Articles

Owning In Retirement: 3 Options For Senior Homeowners

Owning In Retirement: 3 Options For Senior Homeowners

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Research estimates more than 50 percent of households lack enough retirement funds to maintain their

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Mortgages With Built-In Renovation Financing

Mortgages With Built-In Renovation Financing

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These loans help homeowners complete renovations with a loan amount that is based on an appraiser's estimate

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Common First-time Home Buying Myths

Common First-time Home Buying Myths

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When buying a first home, most people are making one of the biggest purchases of their lives. Without home

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Married & Mortgage- Tips for Newlyweds on their New Home Purchase

Married & Mortgage- Tips for Newlyweds on their New Home Purchase

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Wedding season is here. First comes love then comes marriage then comes home-hunting. It sounds simple but

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The Millennial Home Buyer

The Millennial Home Buyer

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According to the latest Zillow® Housing Confidence Index (ZHCI), among people 18-34 years old, 65 percent

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How to Clean Up Your Finances This Spring

How to Clean Up Your Finances This Spring

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Spring may be the “season of clean” at home, but it’s also an ideal time to organize your

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Looking to Buy or Refinance- Mortgage Rates Are In Your Favor

Looking to Buy or Refinance- Mortgage Rates Are In Your Favor

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Mortgage rates recently plunged to their lowest level since February 2015, unlocking more savings for home

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Boomerang Buyers- How to Find Your Way Back to Homeownership

Boomerang Buyers- How to Find Your Way Back to Homeownership

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Going through a foreclosure can be a traumatic experience,but it doesn’t mean you’ll never

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Thinking of a Vacation Home? Here Are Some Things You’ll Want to Know

Thinking of a Vacation Home? Here Are Some Things You’ll Want to Know

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Spring is finally here and as the weather continuing to get warmer; do you find yourself thinking about a

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The Tax Benefits of Owning Versus Renting

The Tax Benefits of Owning Versus Renting

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April 15th is quickly approaching and it is time to ask yourself, what has your apartment done for you

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The Gift Tax Myth: How to Navigate Around It

The Gift Tax Myth: How to Navigate Around It

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Many people aren’t aware of the fact that, in most situations, there really is no gift tax.

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Tax Tips When Owning a Home

Tax Tips When Owning a Home

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Did you just close on your new home? It was a fun journey, wasn’t it? You applied for your mortgage and

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Defining LTV and PMI for New Homeowners

Defining LTV and PMI for New Homeowners

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As you begin the process to find and purchase a new home you will quickly learn the road to homeownership is

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Three Ways to Avoid Getting Outbid on Your New Home

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As housing inventories remain constrained in many markets, some buyers may face increased competition and

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The Lowdown on Down Payments

The Lowdown on Down Payments

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MYTH: You need to put 20% down to purchase home. FACT: There are many options out there, you can

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