SHAMROCK FINANCIAL'S BLOG

June 6, 2017
best mortgage lenders

Shamrock Financial – One of the Best Mortgage Lenders

Choosing One of the Best Mortgage Lenders If you have ever bought a home or are in the process of doing so, you know that you have a lot of boxes to check on your task list. You need to save up for that down payment, find the right real…
May 18, 2017

Buying a Home: Five Questions to Ask Yourself

Exciting, nerve-wracking, stressful, and wonderful – buying a home is all of those, and more. Borrowing thousands of dollars to buy a place to live, to create a home sweet home, is not something you should take lightly. It is a financial transaction that can have long-lasting effects, both good and…
May 9, 2017
student loan debt

Student Loan Debt and Home Ownership? It is Possible!

Drop the Burden of Student Loan Debt Getting an education is one way to help you land a satisfying career, but the problem with getting that education is the associated student debt. And there can be a lot of it. So much so that your amount of debt can prevent…
May 4, 2017
debt free

Want to Live Debt Free? Consider Refinancing

Debt Free, Schmebt Free? Living debt free is a life-long pursuit for many people. Having no debt frees up cash for other purchases, means paying no more interest, and removes the financial shackles of your creditors. Yet you could have a mortgage, a car loan, and multiple credit card loans…
May 2, 2017

What Your Credit Score Range Says About You

A Primer on Your Credit Score When you apply for a loan – mortgage, car, or credit card – the lender will want to take a peek at your financial information, and that includes your credit score. This magical number indicates the likelihood that you will be able to pay…
April 25, 2017

Pre-approval – What You Need to Know

Are You Pre-approved? There are many parts in the process of buying a home: saving for a down payment, searching for homes, and negotiating the offer. But there is a crucial part that you should not ignore, and that is getting pre-approved. What does being pre-approved actually mean? It means…
April 20, 2017
making an offer on a house

Making an Offer on a House: The Unasked Questions

Buying a home can be an overwhelming task, but making an offer on a house is exciting! It takes time to arrange your documentation, get pre-approved, and even find the time to start looking! So when you do find the right house in the right location at the right price,…
April 18, 2017

A Complete Guide to Home Inspection

Your Ultimate Guide to Home Inspections When you want to buy a new TV or smartphone, you may look through flyers, research various options, and ask for recommendations to make sure you get the best value for your money. So why wouldn’t you do that with a home? To avoid…
April 13, 2017
mortgage payment

Worried about a Mortgage Payment? No Way!

Your parents did it, your friends do it, and probably your boss too. It’s called having a mortgage! Because it is such a large financial transaction, most people need to have a mortgage payment to afford the purchase. So yes, it happens to many of us. Even though searching for a…
April 12, 2017
house hunting

House Hunting: Women Versus Men

Home buying in the current age is more than just about the price. Sure, the price is certainly a factor, considering the trend of larger, and therefore, more costly, homes. But price, by far, isn’t the only factor that influences house hunting. Think location, surrounding amenities, and features of the…
January 5, 2016

The Skinny on How to Get Pre-Approved for a Mortgage

What is a Mortgage Pre-approval? One of the best things you can do before starting your home search is to understand how to get pre-approved for a mortgage. A pre-approval is an assurance from your mortgage lender that you are qualified to borrow up to a certain amount of money…
December 8, 2015

Is It a Good Time to Buy a House? You Bet!

Introduction Rent or buy, rent or buy. It’s a question that many Americans ponder, and for good reason: you need a place to live, and these are the two options that are available. With the price of housing, renting may seem like a good idea, but then again, you get…
November 18, 2015

How Accurate is a Real Estate Value Estimator?

The Fair Market Value of Homes For anyone thinking about buying or selling a home, there are many important factors to incorporate into your decision – and that includes price. Determining a fair market value for a home can mean the difference between making the sale or passing it by.…
November 12, 2015

The Fixer Upper – Yay or Nay?

Introduction Depending on your experience, buying a fixer upper home can be the best of times, or it can be the worst of times. Everyone wants a great deal on a home, but without the possibility of renovation nightmares. Is it just luck of the draw for some? It doesn’t…
October 27, 2015

10 Questions to Ask Before You Choose a Real Estate Agent

Guest Blog Post from Trulia It’s all about chemistry — so choose your real estate professional wisely. By Michael Corbett Finding a real estate agent is a lot like dating. Well-meaning neighbors, friends, and family members try to set you up with someone they know, you meet to see “if…
September 29, 2015

Why a Property Search is a Participation Sport

For anyone who has never participated in a serious house-hunting effort, their mental image of how the experience will unfold may be a little off. They might imagine that, after narrowing down their requirements for a home (size, price range, and the like) they will agree on a day and…
September 10, 2015

Choose Your Local Real Estate Agent with 5 Questions

  This is a list that hasn’t changed much since Hannibal first considered getting a larger place for his elephants. He decided that the Roman Empire would be a fine choice (but history tells us that the move didn’t work out). If Hannibal had consulted a knowledgeable Roman real estate…
September 1, 2015

Where to Find Homes for Sale in RI

[fbshare type=”button” width=”100″] [twitter style=”horizontal” float=”left”] Some time ago, the only way you could find homes for sale in RI was either to talk with a real estate, look through the newspaper classifieds, or catch a glimpse of a For Sale sign. While these strategies are certainly great ones, technology has…
August 11, 2015

How a 1% Increase in Interest Rate Affects Your Home Purchasing Power

  You’ve seen the advertisements, news reports, posts on social media and maybe you have even said these words, “The feds are planning to increase rates, so you better buy a home now.” But, what does that REALLY mean and how does that affect your home purchase power? So, let’s…
July 30, 2015

Is It a Good Time to Buy a House? Ask Yourself These Questions

Ask your family, friends, or your co-workers, and they will have a different answer to this question: is it a good time to buy a house? Their answers may not necessarily be right or wrong, but they are dependent on their particular situation, which won’t necessarily parallel yours. The best…
July 7, 2015

6 Reasons Why Buying a Second Home is a Great Idea

There is something appealing about owning a piece of land that you can call your own. But you are not limited to just one property. When some people think about vacations, owning a second piece of land is even better. There are many reasons why people want to buy a…
June 28, 2015

How to Make an Offer on a House: Points to Consider

Making an offer on a home is like dancing; you need to find a willing partner, and then try to move in sync with each other until the song is over. Both you and the seller have different hopes about the home buying process – you both want to get…
June 2, 2015

The Ultimate List of MA & RI First Time Home Buyer Program Resources

Introduction Buying a new home is a giant financial step – but one you do not need to make all by yourself. There are many programs in Massachusetts and Rhode Island aimed at helping you meet the dream of home ownership. You may be eligible for a first time home…
May 7, 2015

How Much Can You Afford to Spend on a Home?

When you finally decide you are ready to take the home buying plunge, there are many decisions you need to make – where do you want to live, how many bedrooms do you want, how close to work does it need to be, and finally, how much can you afford…
May 5, 2015

Simple Steps to Choose the Best REALTOR Possible

Introduction When you start your search for the best realtor around, that search may begin with the Internet. However, depending on where you live, the results may yield thousands of results – and you would not know which realtors are great and which ones you want to avoid. So how…
November 8, 2012

Real Estate Agents: 10 Things For Your Car in Case of Emergencies

One of the tools of your trade is your car. If you are selling real estate, you are practically living in it, right? But when your car breaks down, or you get sidetracked because of the weather, well, it can be a nightmare.