SHAMROCK FINANCIAL'S BLOG

February 5, 2018
Scam alert on a keyboard

Wrong Ways to Get Your Credit Score for Mortgage Lenders

Don’t be fooled – ‘Free’ Credit Report Offers vs. Credit Score for Mortgage The word ‘free’ is always a word that catches the eye. It is very effective bait. Bait and switch that is when it comes to credit reports. Many (or most) are actually scams that will snag you with…
January 24, 2018
Two people about to shake hands across a pile of scattered papers

Say Goodbye! How to Get Rid of PMI

The Skinny of Private Mortgage Insurance Buying a home: you scrimp, you save, you sacrifice, and eventually, you get approved for a mortgage! And while there are many different costs associated with buying a home, some people may need to pay for Private Mortgage Insurance (PMI) on top of everything…
January 11, 2018
Multiple offers on a house bid

Why Multiple Offers on a House Shouldn’t Stop You

As a first-time home buyer, the process can seem a little daunting unless you have a top-notch real estate agent who understands and is experienced in all aspects of the endeavor. Let’s say you find that perfect home. It ticks off all (or at least most) of the must-haves you…
January 10, 2018

Shamrock Financial Wins the National Best and Brightest Companies to Work for Award for the Fourth Time in a Row

Providence, Rhode Island; December 2017 – For an amazing fourth consecutive time, Shamrock Financial has won the National Brightest and Best Award. Given by the National Association for Business Resources (NABR), this award celebrates those companies across the United States that consistently show their dedication to excellence. This award is…
December 29, 2017
Save Money for your Future

Weird but Effective Ways to Save Money

SAVING MONEY FOR YOUR NEW HOME – EASIER THAN YOU MAY THINK Saving for a down payment for your first home can seem like an overwhelming project. With some savvy saving and creative budgeting, you may reach that goal sooner than you think. If you don’t have a budget and you…
December 20, 2017
Facebook Market Real Estate

The Facebook Market: How it’s Changing Real Estate

The Evolving Face of Social Media You may or may not be a fan, but there’s little doubt that you haven’t heard about it: Facebook. This is the social media platform where you can tell people what you are thinking, show pictures of your latest vacation, and “like” whatever your…
December 15, 2017

Why Loan Officers Are So Cool

What is a Loan Officer? Think about the people you know – how many of them own a home, condo, cottage, or some other type of property? Chances are, quite a few of them do! Now think – aside from using a real estate agent and making an offer on…
December 7, 2017
successful real estate agent

Characteristics of a Successful Real Estate Agent

When it comes to buying and selling homes, you will meet up with a whole cast of characters. Think mortgage lenders like Shamrock Financial, home inspectors, the sellers, legal reps. And you cannot forget about the successful real estate agent! This person is the connection between you and the house…
November 1, 2017
Secrets first time buyer

Secrets of a First Time Buyer

Take a deep breath – you’re buying your first home. Maybe you can no longer handle your noisy neighbors. Perhaps you have simmering desire for your own space at last. Whatever your reason, finally deciding to buy your first home can be exciting – and daunting! Haven’t you heard the…
October 24, 2017

The Northeast- Where Your Future Awaits

Moving to the Northeast? Consider This… Sometimes, you gotta move – and that can mean to a new city! Whether it is for work, love, or a searing need for change, finding the right area can be a tough decision. Do you want the sunny days of the west, the…
November 29, 2016

Why It’s the Safest Time to Buy a House

To Buy or Not to Buy When you are first starting out, renting is generally a great way to go. You get to find an affordable place to live at a reasonably convenient location, but without needing a down payment or worrying about maintenance or renovations. But given the lack…
November 9, 2016

Are You Working with the Best Mortgage Company?

When someone is looking to buy or sell a home, they may start the transaction on their own, but in most cases, they will contact a real estate agent. A qualified agent will know how to price a home accordingly, find comparable listings, suggest ways to improve the curb appeal…
October 19, 2016

6 Terrifying Reasons Why You Should Own a Home Rather Than Rent

After years of renting, buying a home can be a frightful proposition; aside from the price of the house itself, there are closing costs, title fees, moving expenses, and more. After calculating these costs, you may be terrified so much that you prefer to continue renting! But there are many…
October 19, 2016

New FHA Guideline Changes May Help You Buy a Home

Having a stable job and owning a home: they’re both parts of the American Dream. However, today’s reality is that many people have lost their jobs or have been reduced to part-time work. This situation can have a devastating impact on anyone’s financial situation, especially those who would love to…
September 12, 2016

How Much Are Closing Costs?

How Much Are Closing Costs? Whether it is your first home or a vacation property, buying a home can come with some sticker shock – and not just with the price of the property itself. Closing costs, which are fees that are paid at the time your transaction finishes, can…
September 6, 2016

No Down Payment? Home Ownership is Still in Reach

Although there are many steps in the home buying process, the most difficult part for first-time home buyers may be saving up enough for a down payment. It’s no wonder either; after paying for rent, groceries, transportation, and myriad other expenses, there may not be much left over each month.…
September 1, 2016

Coming Soon: Fee Reduction for USDA Loans

From the closing costs, moving expenses, legal fees, home owner’s insurance, or saving up for a down payment, buying a home can be an expensive proposition. As a result, many financially savvy consumers look to save money wherever they can, and why not? Who doesn’t enjoy saving money, particularly when…
August 31, 2016

Which Mortgage is Right for You?

Mortgage Mania Finding a home you would love to buy is the easy part of the house buying process; choosing the right type of mortgage is another. Because your selection will affect your budget for years down the road, it just makes sense that you put the same time and…
August 26, 2016

The Perks of Being a First Time Home Buyer

The real estate market continues to march along. Interest rates are still low yet bidding wars still erupt. If you are thinking about becoming a first time home buyer, then considering which houses to see, information to collect, and the documents to sign can be very intimidating. On the other…
August 16, 2016

Reasons Why a Mortgage Loan Falls Through

Introduction The first thing that most people think of when buying a home is the search, and with good reason. It can be the most “hands-on” part of the home buying process and it can be the most emotionally exhilarating component too. However, finding the right home is no guarantee…
August 11, 2016

How are Mortgage Points Determined?

Introduction If you have been thinking about buying a home, you have a great many aspects to consider, such as location, price, amenities, as well as the amount of down payment you want to save. And when determining the terms of your mortgage, you will need to decide whether or…
July 8, 2016

Your Property Search: What to Do & Where to Look

Your First Home Property Search Whether you are still living with your parents or renting an apartment, at some point you will begin to plan the purchase of your very first home. While you may have a dream home in mind – the one with the swimming pool, covered front…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
June 17, 2016

Home Buying 101 – Questions to Ask Yourself

Should You Buy A Home? Home Buying 101 A common action in the lives of many adult Americans is to buy a home. It symbolizes maturity, responsibility – and it is a place to call your own. But given the increasing prices of homes coupled with job uncertainty, you may…
June 14, 2016

Buying a House – A Unique Shopping Experience

Shopping for Homes Purchasing a home is a major milestone in most people’s lives. But it isn’t like any other shopping experience – you cannot make an impulse purchase, and once you have completed the purchase, you cannot return it. So what exactly is involved in the house shopping experience?…
June 10, 2014

Remodeling Your Kitchen: What You Need to Know

GUEST BLOG POST by Paul Kazlov Your home should be more than the place where you live and sleep; it should showcase your style, taste and practical side—and the kitchen most definitely should be the centerpiece. It’s common knowledge, after all, that the kitchen is one of the few rooms…
June 5, 2014

How to Find Your Perfect Niche Real Estate Market in 3 Simple Steps

Real Estate Agents and Mortgage Professionals know how difficult it is to be the “go-to” resource for every type of home buyer and referral partner. It’s a time-consuming circus act and it usually won’t result in dealing with folks who will do business the way you do. Conversely, some people…
May 29, 2014

Nine Useful Tasks After Buying a Home

Deciding to purchase a home, finding a real estate agent, getting pre-approved for a mortgage, booking movers – there is no shortage of tasks that you need to complete in order to buy a home. Some people believe that once you have the keys in hand, you can breathe a…
May 27, 2014

Reason Codes and How They Affect Your Credit Score

Whether you know it or not, every adult – including you – has a credit score, even if they don’t know what it is. Lenders use this three digit number as part of their determination of whether they will lend you money, how much, and with what terms. But do…
May 22, 2014

Your Career in Real Estate Sales: Bullet-Proof Lead Generation

As is the case in every career, even one as wonderful and foundational as one that promotes the American Dream, there are challenges, and let’s say “adventures”, littered along the road-in every town, in every city, on every road. Our new e-book will help both identify those encounters and show…
May 20, 2014

First Time Home Buyers Have This Familiar Question

Whether you are a first time home buyer, seasoned owner, or renter, you are constantly faced with the age-old question: should I buy or rent? The appeal of owning your own home has a strong emotional pull, but given the current asking prices of homes, renting may seem like the…
May 7, 2014

Are These 7 Tasks on Your Spring Cleaning Checklist?

With the snow having finally melted and the buds peeking through, your thoughts have probably turned towards the long-awaited spring. It’s time to pack up the heavy winter clothes and search for your T shirts and shorts! But winter wasn’t long just for you – your home had to bear…
May 1, 2014

When’s the Best Time to List Your Vacation Home?

There’s nothing like a great vacation. For some people, they love their vacation so much that they even bought a vacation home! What’s even better about a vacation home is that you can rent it out to earn some additional income when you are not using it. Vacation homes can…
April 29, 2014

Remodel or New Home? The Pros and Cons are Significant

At the time, the house you originally bought was perfect for you. However, your situation may have changed, your preferences adjusted, and eventually, your home may no longer be what you need or want. Your choices: move to a different home or remodel your current one. Both decisions have significant…
April 25, 2014

How to Double Wow Your Home Sellers

Drive along a street on your neighborhood – given that it is spring, chances are you will see at least one For Sale sign. Do any of these signs have your name on it? As a real estate agent, finding clients who want you to be their real estate agent…
April 22, 2014

Are These 5 Money Mistakes Preventing You From Saving For What You Want?

You work hard for the income that you earn, and you try to make the most of it. When you are juggling rigid deadlines, tight schedules, children, spouses, and other commitments, tracking what exactly you do with your money can easily fall to the wayside. But do you realize that…
April 15, 2014

Why Do Clients Fire Real Estate Agents?

Breaking up can be hard to do, but sometimes it can be the best thing to do. When real estate agents are fired by their clients, it can be easy to dismiss it as something that just happens. However, any real estate agent who cares greatly about their reputation as…
April 8, 2014

Is Fido a Rental Home’s Best Friend?

Your home – it’s your sanctuary, so you maintain it and keep it looking beautiful. But now you are considering renting it out. When renting your home, you don’t want to rent it to people who may intentionally or unintentionally cause damage to it. Therefore, you may hesitate when a…
April 4, 2014

Deconstructing a Real Estate Listing Price

You have the preferred number of bathrooms, a landscaped lot, and a well maintained house. Although there are many factors that can encourage a home sale, when it comes down to it, price is often the main factor that will determine whether or not your house will sell. Even though…
April 1, 2014

Home Inspections Can Reveal a Hidden Grow-op Surprise

Even though it is the biggest financial purchase you will ever make, buying a home is unlike most other purchases. You cannot simply return it if it is not to your liking. Once you sign on the dotted line, the home is yours, regardless of any surprises that crop up…
September 26, 2013

Are Moving Expenses Tax Deductible?

Guest Blog Post by Judith Hetherman, CPA
August 13, 2013

5 Factors That Can Make or Break Your Credit Score

If you know your credit score, then you may think that it is simply a number – but this simple number can affect you in many ways, such as getting a home loan or obtaining refinancing. Therefore, understanding how this number is calculated can give you the knowledge you need…
August 1, 2013

10 Must-Have Tools for Your Home Emergency Kit

You hear about it on the radio and see it on the news – hurricanes on one coast, earthquakes on another, tornadoes on the plains, and ice storms in the northeast. Wherever you are in the United States, there are different yet equally as devastating weather-related phenomena that can occur…
July 9, 2013
tools on workshop table

10 Easy Home Repairs that Don’t Cost a Lot of Money

Do you have little fixes that have been irking  you? Things like scratched furniture, smudges on walls, slow-moving drains? Here is a list of 10 common problems and some quick, clever home repair tips to take care of them with products you can buy at any store: Peeling wallpaper –…
June 4, 2013
couple enjoying coffee after painting

Can You Recover Your Home Improvement Costs?

So you are thinking of starting some home improvements and you want to live in your home a few more years. But, when it comes time to sell, will you be able to recover the money you spent on the project?  
March 7, 2013

Disputing Your Credit Report: Actions You Can Take