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Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible

Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible

by Mark Maldonado | Jun 18, 2025 | Home Buyer Tips

June is National Homeownership Month, a time to celebrate the dream of owning a home and spotlight the many programs designed to help first-time buyers turn that dream into reality. For many Americans, the biggest challenge to buying a home is coming up with the funds...
Can I Finance Home Renovations Into My Mortgage at Closing?

Can I Finance Home Renovations Into My Mortgage at Closing?

by Mark Maldonado | Apr 25, 2025 | Home Buyer Tips

Purchasing a home that needs renovations or upgrading your current home can be costly, but financing home improvements through your mortgage can be an effective solution. Instead of taking out a separate loan for renovations, some mortgage programs allow you to roll...
How Debt-to-Income Ratio Affects Your Mortgage Eligibility

How Debt-to-Income Ratio Affects Your Mortgage Eligibility

by Mark Maldonado | Mar 18, 2025 | Home Buyer Tips

When applying for a mortgage, lenders evaluate several factors to determine your loan eligibility. One of the most critical metrics is your Debt-to-Income Ratio (DTI). Understanding how DTI impacts mortgage approval can help you better prepare for homeownership and...
How Obtaining a Mortgage Can Impact Your Credit Score

How Obtaining a Mortgage Can Impact Your Credit Score

by Mark Maldonado | Feb 13, 2025 | Home Buyer Tips

When considering homeownership, many potential buyers wonder: Will getting a mortgage help my credit score? The answer is yes—if managed correctly. A mortgage is a major financial commitment, but it can also be a powerful tool for building and maintaining strong...
Is It Time to Stop Paying Rent and Start Building Equity?

Is It Time to Stop Paying Rent and Start Building Equity?

by Mark Maldonado | Jan 23, 2025 | Home Buyer Tips

Have you ever calculated how much rent you’ve paid over the years? It’s a staggering number. According to studies, the average American spends between $133,000 and $155,000 on rent in just six to seven years. Let’s break that down and explore what it...
How Mortgage Rates Affect Your Home Buying Power

How Mortgage Rates Affect Your Home Buying Power

by Mark Maldonado | Jan 17, 2025 | Home Buyer Tips

Mortgage rates play a significant role in determining how much home you can afford. These rates influence the cost of borrowing money for your mortgage, which directly impacts your monthly payment and, ultimately, your home buying power. The Impact of Mortgage Rates...
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Federal Hill Mortgage Company, LLC is a broker and lender licensed in MD, DE, PA, VA, DC, NC & TX.

Company NMLS #176351. Equal housing lender.

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