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Kira Evans | Blog

Tuesday, July 31, 2018   /   by Kira Evans

Lock In Your Interest Rates

Interest rates are at an all-time record low and are predicted to increase by the end of the year. Now is the time to lock in your low-interest rate while you shop around for your new home. Contact VanDyk Mortgage for more information.


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Tuesday, July 17, 2018   /   by Kira Evans

25 Tips For First Time Home Buyers

Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.

To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money.

1. Start saving for a down payment early

It’s common to put 20% down, but many lenders now permit much less, and first-time home buyer programs allow as little as 3% down. But putting down less than 20% may mean higher costs and paying for private mortgage insurance, and even a small down payment can still be hefty. For example, a 5% down payment on a $200,000 home is $10,000.

Play around with a down payment calculator to help you land on a goal amount. Some tips for saving for a down payment include setting aside tax refunds and work bonuses, setting up an au ...

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