Increasing Your Wealth Through Homeownership
Home ownership is widely viewed as one of the best ways to accumulate wealth. According to the 2019 Survey of Consumer Finances, a triennial survey that collects detailed accounts of households’ finances, the median homeowner has 40 times the household wealth of a renter – $254,900 for the former compared to $6,270 for the latter. […]
How to Make Your Home Office More Zen
Since March, millions of Americans have been working from home to socially distance and limit exposure to the COVID-19 virus. While some of us will eventually go back to the office, there’s no question that today’s work environment has changed significantly. Remote work is now seen as a viable, everyday option rather than a last […]
Is Now a Good Time to Refinance Your Home?
With interest rates setting record lows, for many homeowners, now is a great time to refinance. Interest rates, however, are often just one factor that plays into a refinancing decision. Credit scores, home equity levels, job security and expected time in the home are also things to consider. In November 2018, the 30-year fixed rate […]
20 Baking Substitutions to Know When Improvising in the Kitchen
We have all had it happen. You are baking something and halfway through realize you are missing an ingredient. You do not feel like going all the way to the supermarket. What do you do? Throw in the towel and cook something else? Just leave that ingredient out? No, it is time to improvise. First, […]
Why Working for a Nimble Home Lender Is Better
Volumes are soaring due to lower interest rates and lenders are scrambling to scale their business. For larger lenders, this is proving particularly challenging. Increasingly, many borrowers are people who have been furloughed, people who have taken forbearance, or people who have had their credit history dinged due to recent unemployment. Layer on top of […]
Assessing What Is Really Important: How EMM Loans Is Giving Back
With all that is going on – the election drama, COVID-19, job interruptions – it is a great time to take a step back and put things in perspective. To assess what it is that really matters and to take inventory of what our core values really represent. At EMM Loans we have done just […]
Fun Tips for Exercising With Your Family This Winter
KEEP ON KEEPING ON With all the craziness that comes with the holiday season, exercise often gets a lower priority. The cold and ice can make jogging and cycling more difficult. That said, making physical exercise part of you and your family’s routine is important. Aside from the often-espoused physical benefits, exercise offers a platform […]
US Housing Market After the 2020 Election
WHAT HAPPENS NOW? Regardless of who won this election, one thing was evident; The housing market, which accounts for roughly a fifth of GDP and has been booming during the pandemic, will no-doubt play a key role in aiding the US economic recovery. In 2012, the cost of construction started to increase significantly. What drove […]
Five Ideas to Make Your Backyard Awesome for Your Dog
The holiday season is just around the corner. If you’re unsure of what you should give your dog, we think a house with a big backyard should be on the top of your list. Okay, maybe that might be too big of a gesture, even if your dog was a very good boy or girl […]
10 Home Renovations With the Best ROI
Driven in part by the coronavirus pandemic, home renovation activity is on the rise with nationwide spending over $400 Billion a year. Many homeowners who would rather not brave a real estate world with rock-bottom inventory are choosing instead to reconfigure their current residences. But how effective is this at creating wealth? According to Remodeling […]
