Looking to purchase a home but don't think you have the money? Check out the programs FNB Mortgage have! You may find you are able to make that dream come true.

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3 Ways Home Equity Can Have a Major Impact on Your Life

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  3 Ways Home Equity Can Have a Major Impact on Your Life There have been a lot of headlines reporting on how homeowner equity (the difference between the current market value of your home and the amount you owe on your mortgage) has dramatically increased over the past few years.  CoreLogic  indicated that equity increased for the average homeowner by  $17,000  in the last year alone.  ATTOM Data Solutions , in their latest  U.S. Home Equity Report , revealed that 30.2% of the 59 million  mortgaged homes  in the United States have at least 50% equity. That doesn’t even include the  38% of homes  that are owned free and clear, meaning they don’t have a mortgage at all. How can equity help a household? Having equity in your home can dramatically impact your life. Equity is like a savings account you can tap into when you need cash. Like any other savings, you should be sensible in how you use it, though. Here are three good reasons t...
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How Trusted Professionals Make Homebuying Easier to Understand

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How Trusted Professionals Make Homebuying Easier to Understand In the spring, many excited buyers get ready to enter the housing market. Others continue dreaming about the homes they’d like to buy. The truth is, many potential buyers continue to dream longer than they need to, simply because they’re confused about the homebuying process. Thankfully, working with a trusted real estate professional can help ease those concerns and make the process to homeownership much easier to understand. A recent  survey  conducted by  Ipson and Freddie Mac  reveals the confidence level of Gen Z and Millennial buyers regarding the homebuying process. The graph below shows the breakdown of the top results, clearly indicating there’s a significant portion of younger buyers who are not yet confident with some of the steps in the homebuying process. Between the  homebuying  process  and the  mortgage process , there are  230  possible steps in the tr...
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Why Getting Pre-Approved Should Be Your First Step

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Why Getting Pre-Approved Should Be Your First Step In many markets across the country, the number of buyers searching for their dream homes  greatly outnumbers  the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search. Even if you are in a market that is not as competitive, knowing your budget will give you the confidence of knowing if your dream home is within your reach. Freddie Mac  lays out the advantages of pre-approval in the ‘ My Home ’ section of their website: “It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.” One of the  many advantages  of wo...
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