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what to look for in a starter home

What to Look For in a Starter Home

By Good Reads

Sometimes, buying our first home won’t be the only home you ever buy. Some people look at buying their first home as a way to learn the do’s and don’ts of home ownership. We all have our own preferences, but typically when it comes to a solid foundation for homeownership, there are some universal things to look for. Let’s dive into what to look for in a starter home.

What to Look For in a Starter Home – Manageable Repairs

There’s a fine line between a few repairs that need to be made, and a house becoming a full renovation. Buying a starter house with minimal repairs is a great way to see whether or not you would even want to tackle the idea of a renovation in your forever home. 

If You Change Your Mind, Could You Stay Here Forever?

Your starter home may be something that you only want to be in for 5 or 10 years, but chances are you might change your mind. The new home may start to seem more and more appealing as time goes on. It’s best to purchase a home that you could see yourself in for the rest of your life, but at the same, sell if you really wanted to.  

Get Something Under You Budget

Your starter home may not always be the home that you’ll spend the rest of your life in. So investing all that you can into it may not always be the best option. As stated above though, this may be subject to change. Regardless, it’s best to play it safe rather than possibly regretting the purchase a couple years down the line. 

Make Sure It’s In a Neighborhood You Like

Oftentimes you may hear some horror stories about someone moving into a neighborhood they aren’t a fan of. Even though you plan on moving in the future, it’s best to make sure the time spent in your starter home is one you’ll enjoy, and this includes the neighborhood as well. Getting along with the neighbors, adhering to the rules of the Home Owner Association, etc. can all play a factor in your overall happiness in your home. 

Granted, all of these are circumstantial, it doesn’t hurt to take these factors into consideration. Your starter home shouldn’t be something you want to ride out, instead someplace that you’ll be happy with. Regardless of where your starter home may be, once you find what you want, our home loan experts are here to help you the rest of the way. 

benefits of mobile banking

The Benefits of Mobile Banking

By Good Reads

Getting to the bank is often easier said than done. Sometimes a trip to the bank can be put off for weeks. Luckily though, some of our every day tasks are being integrated into our mobile devices, this includes a trip to the bank. Let’s look at benefits of mobile banking and how it can save you time in the long run. 

Managing Your Account Without Having to Go To the Bank

We get it, banking hours aren’t always ideal. They typically don’t fit a 9-5 schedule on the weekdays. Having to travel to the bank, especially when it’s far away, isn’t always easy. There’s also no guarantee that you can make it on time before it closes. Some banks are open on the weekends, but depending on your plans beforehand, making it to the bank may not be possible. Mobile banking takes away the hassle of having to go to the bank to get anything done with your bank accounts. Instead sit back, relax, and take care of simple tasks like transferring money between accounts at your own convenience. Luckily whether it’s 3pm or 3am, mobile banking is available 24/7. 

Mobile Check Deposit

Another thing that will save you a trip to the bank is mobile check deposit. Most banking apps allow you to simply snap a photo of the front and the back of a check, and boom, you’re good to go. Though usually the transaction won’t be instantaneous. Chances are you might have to wait a couple of days depending on who you bank with. This is a small price to pay for the convenience of doing it at home though, vs. having to drive to the bank on your own time. 

Benefits of Mobile Banking – Easy to Use!

Most banking apps have a rather simple layout. They’re very straight forward, allowing you to view that amount of money in each account, and easily transfer them from one to another. Some finance apps can tend to be a little more complicated, with the layout and accessibility being rather hindering at times. Luckily most banks know this, so they make their banking apps as easy to use.

Are you looking to start using mobile banking apps? If you already have an existing account with Paramount, download the mobile app today. If not, be sure to sign up and start earning interest in your checking account!

Week 40 US Economics

2021 Week 40 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 40 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, Pending Home Sales Index for August, and more.

Monday, September 27

  • Dallas Fed Survey of Manufacturing Activity for September will be relesased.

Tuesday, September 28

  • FHFA House Price Index for July will be released.

Wednesday, September 29

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.
  • Pending Home Sales Index for August. The consensus is for a 1.3% increase in the index.

Thursday, September 30

  • The initial weekly unemployment claims report will be released.  The consensus is for 335 thousand initial claims, down from 351 thousand last week.

Friday, October 1

  • ISM Manufacturing Index for September will be released.
Week 39 US Economics

2021 Week 39 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 39 of the 2021 U.S. Economic Calendar highlights

Monday, September 20

  • The September NAHB homebuilder survey will be released.

Tuesday, September 21

  • No major economic releases scheduled.

Wednesday, September 22

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.
  • Existing Home Sales for August from the National Association of Realtors (NAR) will be released.

Thursday, September 23

  • The initial weekly unemployment claims report will be released. The consensus is for 320 thousand initial claims, down from 332 thousand last week.

Friday, September 24

  • New Home Sales for August from the Census Bureau is scheduled to be released.
Week 38 US Economics

2021 Week 38 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 38 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the initial weekly unemployment claims report, and more.

Monday, September 13

  • No major economic releases scheduled.

Tuesday, September 14

  • Consumer Price Index for August from the BLS. The consensus is for a 0.4% increase in CPI, and a 0.3% increase in core CPI.

Wednesday, September 15

  • The Mortgage Bankers Association will release the results for the mortgage purchase applications index.
  • The New York Fed Empire State manufacturing survey for September will be released.

Thursday, September 16

  • The initial weekly unemployment claims report will be released.

Friday, September 17

  • State Employment and Unemployment report for August 2021
best time to buy a house

When is the Best Time to Buy a Home?

By Financial Tips, Good Reads, Mortgage Tips

When it comes to an individual’s favorite time of year, some prefer fall or spring, while others gravitate towards warm Summer days. Deciding when to purchase a home might also fall under some personal preferences. The best time to buy a home might seem subjective, but there are actually several factors that go into deciding when you might consider buying a new home. Keep in mind though, there is no actual best month to buy a home, markets change from zip code to zip code. Hopefully this article can give you a little more insight when it comes to dialing down what time of the year you’ll be purchasing your home.

January – March.

There are pros and cons to buying during these months. Not a lot of people are looking for homes. This is good, there’s a better chance to win any bidding war simply due to the lack of competition. The bad news is far less homes are typically on the market. Hopefully you can find that ideal home during this time. 

April – June

For most markets, this can be the best time to buy a home. The transition into warmer weather means open houses are a lot more enjoyable, and typically parents selling homes want to move during summer when their kids aren’t in school. But at the same time this is when the most amount of buyers will come out of the woodwork looking for houses alongside you. The competition will greatly increase. Bidding wars are a lot more common when more and more people are looking for homes at this time. Also more often than not, you might see a lot more homes with higher prices than normal due to the overall demand. 

July – September 

It’s a little warmer now, and not as many people are looking for houses, so your competition isn’t as high. Housing prices are also starting to return back to normal, so that’s another plus for you. Since it’s also the sunniest time of the year for a lot of regions, this means you’ll see sellers improving their curb appeal in order to increase the overall value of the home. This is great if you’re interested in the well being of your future home’s outdoor space. Additionally with the hot weather, this is a great opportunity to see how well the central air works in a home you’re looking to potentially buy. 

October – December

There aren’t going to be as many homes available during this time, but chances are the homes that are available might have a reduced price if they’ve been on the market since spring. Ideally you’d like to see the yard greener than ever and have a chance to really test the central air, but it’s never a bad thing to purchase a home at a reduced price. 

It seems like Spring and Summer are the winners for the best time to buy a home, but the circumstances can be different in any region. Though deciding when to start looking for a home can be complicated, luckily you can reach out to our home loan experts with any questions regarding the ideal time to purchase a home.

Week 35 US Economics

2021 Week 36 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 36 of the 2021 U.S. Economic Calendar highlights Pending Home Sales Index for July, the Mortgage Bankers Association (MBA), and more.

Monday, August 30

  •  Pending Home Sales Index for July, with the consensus for a 0.4% increase in the index.

Tuesday, August 31

  • FHFA House Price Index for June will be released.
  • S&P/Case-Shiller House Price Index for June will be released.

Wednesday, September 1

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.
  • The ADP Employment Report for August will be released.

Thursday, September 2

  • The initial weekly unemployment claims report will be released, with the consensus for a decrease slightly to 350 thousand from 353 thousand last week.

Friday, September 3

  • Employment Report for August. The consensus is for 728 thousand jobs added, and for the unemployment rate to decrease to 5.2%.
Week 35 US Economics

2021 Week 35 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 35 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the initial weekly unemployment claims report, and more.

Monday, August 23

  • Existing Home Sales for July from the National Association of Realtors (NAR) will be released.

Tuesday, August 24

  • New Home Sales for July from the Census Bureau will be released, with the consensus for 690 thousand SAAR, up from 676 thousand in June.
  •  Richmond Fed Survey of Manufacturing Activity for August is scheduled to be released.

Wednesday, August 25

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, August 26

  • The initial weekly unemployment claims report will be released.  The consensus is for a increase slightly to 350 thousand from 348 thousand last week.
  • The Kansas City Fed manufacturing survey for August will be released.

Friday, August 27

  • Scheduled to release is the Personal Income and Outlays, July 2021. The consensus is for a 0.2% increase in personal income, and for a 0.3% increase in personal spending. And for the Core PCE price index to increase 0.3%.

2021 Week 34 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 34 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the initial weekly unemployment claims report, and more.

Monday, August 9

  • The New York Fed Empire State manufacturing survey for August will be released with the consensus for a reading of 29.0, down from 43.0.

Tuesday, August 10

  • Retail sales for July is scheduled to be released.
  • MBA Q2 National Delinquency Survey is expected to be released.

Wednesday, August 11

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, August 12

  • The initial weekly unemployment claims report will be released.

Friday, August 13

  • State Employment and Unemployment (Monthly) for July 2021 will be released.

2021 Week 33 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 33 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the Job Openings and Labor Turnover Survey, and more.

Monday, August 9

  • Job Openings and Labor Turnover Survey for June from the BLS will be posted.

Tuesday, August 10

  • NFIB Small Business Optimism Index for July will be released.

Wednesday, August 11

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, August 12

  • The initial weekly unemployment claims report will be released. The consensus is for a decrease to 370 thousand from 385 thousand last week.
  • The Producer Price Index for July from the BLS will be posted.

Friday, August 13

  • University of Michigan’s Consumer sentiment index (Preliminary for August) will be released.

2021 Week 32 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 32 of the 2021 U.S. Economic Calendar highlights Senior Loan Officer Opinion Survey, the Corelogic House Price index for June, and more.

Monday, August 2

  • Senior Loan Officer Opinion Survey on Bank Lending Practices for July will be released.

Tuesday, August 3

  • Corelogic House Price index for June will be posted.
  • Q2 Quarterly Report on Household Debt and Credit will be posted.

Wednesday, August 4

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, August 5

  • The initial weekly unemployment claims report will be released, with the consensus for a decrease to 390 thousand from 400 thousand last week.

Friday, August 6

  • Employment Report for July.
Week 31 US Economics

2021 Week 31 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 31 of the 2021 U.S. Economic Calendar highlights Pending Home Sales Index for June,  the initial weekly unemployment claims, and more!

Monday, July 26

  • New Home Sales for June from the Census Bureau.

Tuesday, July 27

  • FHFA House Price Index for May will be released.
  • The Q2 Housing Vacancies and Homeownership report from the Census Bureau.

Wednesday, July 28

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, July 29

  • Pending Home Sales Index for June will be releaed, with the consensus for a 0.5% increase in the index.
  •  The initial weekly unemployment claims report will be released.

Friday, July 30

  • Chicago Purchasing Managers Index for July will be released.
Week 30 US Economics

2021 Week 30 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 30 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the initial weekly unemployment claims report, and more.

Monday, July 19

  • The July NAHB homebuilder survey will be posted, with the consensus is for a reading of 82, up from 81.

Tuesday, July 20

  • No major economic releases scheduled.

Wednesday, July 21

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, July 22

  • The initial weekly unemployment claims report will be released.  The consensus is for a decrease to 348 thousand from 360 thousand last week.
  • Existing Home Sales for June from the National Association of Realtors (NAR) will be released.

Friday, July 23

  • No major economic releases scheduled.
Week 29 US Economics

2021 Week 29 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 29 of the 2021 U.S. Economic Calendar highlights State Employment and Unemployment, the mortgage purchase applications index, and more.

Monday, July 12

  • No major economic releases scheduled.

Tuesday, July 13

  • NFIB Small Business Optimism Index for June will be released.
  • The Consumer Price Index for June from the BLS will be released, with the consensus for a 0.5% increase in CPI, and a 0.4% increase in core CPI.

Wednesday, July 14

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, July 15

  • The initial weekly unemployment claims report will be released.  The consensus is for a decrease to 350 thousand from 373 thousand last week.

Friday, July 16

  • State Employment and Unemployment (Monthly) for June 2020 will be released.
  •  Retail sales for June is scheduled to be released. The consensus is for 0.4% decrease in retail sales.
Week 27 US Economics

2021 Week 27 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 27 of the 2021 U.S. Economic Calendar highlights the FHFA House Price Index for April 2021, the mortgage purchase applications index, and more.

Monday, June 27

  • Dallas Fed Survey of Manufacturing Activity for June will be released.

Tuesday, June 28

  •  FHFA House Price Index for April 2021 will be released.

Wednesday, June 29

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.
  • Pending Home Sales Index for May, with the consensus for a 0.8% increase in the index will be released.

Thursday, June 30

  • The initial weekly unemployment claims report will be released.
  • ISM Manufacturing Index for June will be released.

Friday, July 1

  • Employment Report for June will be released, showing 675,000 jobs added.
Week 26 US Economics

2021 Week 26 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 26 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the initial weekly unemployment claims report, and more.

Monday, June 21

  • No major economic releases scheduled.

Tuesday, June 22

  • Retail sales for May is scheduled to be released, with a consensus for a 0.4% decrease.
  • The Producer Price Index for May from the BLS will be released.

Wednesday, June 23

  • Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, June 24

  •  The initial weekly unemployment claims report will be released.  The consensus this week is for a decrease to 365 thousand from 376 thousand last week.

Friday, June 25

  • No major economic releases scheduled.
Week 25 US Economics

2021 Week 25 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 25 of the 2021 U.S. Economic Calendar highlights Retail sales for May, the initial weekly unemployment claims report, and more.

Monday, June 14

  • No major economic releases scheduled.

Tuesday, June 15

  • The Producer Price Index for May from the BLS, showing an 0.6% increase in PPI, and a 0.6% increase in core PPI.
  • Retail sales for May is scheduled to be released.

Wednesday, June 16

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, June 10

  • The initial weekly unemployment claims report will be released, with the consensus showing a decrease to 365 thousand from 376 thousand last week.

Friday, June 11

  • No major economic releases scheduled.
Week 24 US Economics

2021 Week 24 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 24 of the 2021 U.S. Economic Calendar highlights the initial weekly unemployment claims report, the mortgage purchase applications index, and more.

Monday, June 7

  • No major economic releases scheduled.

Tuesday, June 8

  •  Trade Balance report for April from the Census Bureau will be released.
  • Job Openings and Labor Turnover Survey for April from the BLS will be released.

Wednesday, June 9

  • The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, June 10

  • The initial weekly unemployment claims report will be released, with the consensus for a decrease to 380 thousand from 385 thousand last week.

Friday, June 11

  • University of Michigan’s Consumer sentiment index will be released.
Week 22 US Economics

2021 Week 22 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 21 of the 2021 U.S. Economic Calendar highlights New Home Sales for April, House Price Index for March, and more.

Monday, May 24

  • Chicago Fed National Activity Index for April will be released.

Tuesday, May 25

  • New Home Sales for April from the Census Bureau will be released.
  • FHFA House Price Index for March 2021 will be released.
  • House Price Index for March will be released, with a 12.3% year-over-year increase.

Wednesday, May 26

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, May 27

  • Pending Home Sales Index for April.
  • The initial weekly unemployment claims report will be released.

Friday, May 28

  • Personal Income and Outlays, April 2021.
Week 21 US Economics

2021 Week 21 U.S. Economic Calendar

By Econ News, Economic Calendar

Week 21 of the 2021 U.S. Economic Calendar highlights the mortgage purchase applications index, the initial weekly unemployment claims report, and more.

Monday, May 17

  • The May NAHB homebuilder survey will be posted, with a consensus of 83 unchanged from 83 last month.

Tuesday, May 18

  • Housing Starts for April.

Wednesday, May 19

  •  The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.

Thursday, May 20

  • The initial weekly unemployment claims report will be released, with a consensus is for a decrease to 460 thousand from 473 thousand last week.

Friday, May 21

  • State Employment and Unemployment  for April 2021 will be released.
  • Existing Home Sales for April from the National Association of Realtors will be posted.

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