Cochran, Miller & Morse Team Blog

Posted on 03/04/2019
Balancing Your Debt to Credit Ratio
It's easy to get stuck without a mortgage approval or with a smaller home loan than you want, just because you don't understand how your credit score works. Most of the things you've done to prepare: budgeting your income, balancing your bank accounts and saving up for a down payment, aren't reflected in your FICO credit score. It...
Credit Score
Personal Finance
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Posted on 02/25/2019
Should You Build New? Or go Pre-Owned?
First-time homebuyers often gravitate to newly-built homes, and for good reason. In a new build, the buyer often gets to choose finishes, fixtures, and flooring. Newer homes have higher energy-efficiency standards and meet up-to-date codes. Most of all, no one else lived there before you. It’s all virgin territory. Advantages of new buildsSome new builds offer even more...
Building A New Home
Own A House
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Posted on 02/18/2019
How to Approach a Mortgage Application
Filling out a mortgage application may prove to be a long, exhausting process. Fortunately, we're here to help you streamline the mortgage application process so you can move one step closer to acquiring your dream house. Now, let's take a look at three tips to help you approach the mortgage application process with confidence. 1. Be Thorough A mortgage...
Mortgage
Buying A Home
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Posted on 02/11/2019
Donating 101
The time has come to go through and clear what has become clutter in your own home. Hopefully, you can give the items more life and someone else the opportunity to have the use of these items. After all one man’s trash is another man’s treasure right? The answer is maybe not. There are some things that donation...
How To
Clutter
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Posted on 02/04/2019
How Can You Get the Best Price for Your Home?
Selling a home can be challenging, even for an individual who is laser-focused on getting the best price for his or her house. Fortunately, we're here to help you achieve the best-possible results during the home selling journey. Now, let's take a look at three tips to help you obtain the best price for your residence. 1. Study the...
Selling Your Home
Tips On Selling
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Posted on 01/28/2019
Stuffing the Piggy Bank
The idea of homeownership can seem daunting if you doubt you can save up a down payment. After all, even a modest house on a conventional mortgage requires twenty percent plus the closing costs. When saving up seems out of reach, try these creative tips to grow your nest egg: Delay gratification A lofty word for a simple...
Saving Money
Down Payment
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Posted on 01/21/2019
Today’s Source of Connections and Fun
When many people think of the local library, they recall the strict institution of bygone days. They imagine the librarian who doesn’t allow speaking, and the only thing that they have are books, so why go—especially now with books so readily available online? The simple answer is fun and the connections that you can make there. Long gone...
Library
Information
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