Tania Ramsey's Blog

Posted on 02/02/2021
How Conforming Loan Limit Increase Affects the Jumbo Market
Image by Arek Socha from Pixabay If you bought a house that was over $484,350 prior to 2020, you had to get a jumbo loan, which is a non-conforming loan. The Federal Housing Finance Agency (FHFA) increased the limit on conforming loans to $510,400 in most areas. The FHFA also increased the loan limit to $765,600 in some...
Jumbo Loan
Mortgage
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Posted on 01/26/2021
Insurance Coverage for Your Home
Image by Brasil Creativo from Shutterstock If this is your first time owning a home, your mind is likely consumed with plans to replace the carpet or upgrade the appliances. You want to get the best deals and save money where you can. One area not to skimp, though, is in your homeowner's insurance. The last thing you...
Home Insurance
Insurance Buying Tips
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Posted on 01/23/2021
Frederick, MD Real Estate Market Update
Click here to view Frederick, MD blog post which has information on the constantly changing market...
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Posted on 01/19/2021
How to Freshen and Replace Your Tile and Grout
Photo by James DeMers via Pixabay That bathroom tile once looked terrific, so newly laid contrast between tile and grout. You were so proud to show it off to all your guests. But over time, grout becomes dull, stained and chipped. Tiles fade and look dated. When they do, it's time to refreshen or replace tile and grout....
DIY
Tile
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Posted on 01/12/2021
Make Your Own, Environmentally-Friendly Trellis without Breaking Your Budget
Image by Mark Dixon from Pixabay Maybe it's time to get your garden ready, or maybe you already have a few scraggly plants that need some support; but pre-made trellises can be both pricey and flimsey. Instead of spending a lot to get a product that will fall apart after one, wet spring, why not make this sturdy...
Gardening Tips
Gardening
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Posted on 01/05/2021
VA-Guaranteed Loan Works
Photo by Brett Sayles from Pexels Before you can get a VA loan or a VA-backed loan through the Department of Veterans’ Affairs, you'll first apply for a Certificate of Eligibility (COE). You must have served a certain number of days, depending on when you served, and you must have an honorable discharge if you are a veteran....
Va Home Loans
VA Loans
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Posted on 12/29/2020
Mortgage Qualifications: FICO Score
Image by David Pereiras from Shutterstock Your FICO score is a key factor used to determine if you qualify for a mortgage. The Fair Isaac Corporation (FICO) is the creator of the most common credit score used by home loan providers. The algorithm used to create your score is a closely-guarded industry secret. But in general, it factors...
FICO Score
Credit Score
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Posted on 12/23/2020
Frederick, MD Real Estate Market Update
Click here to view Frederick, MD blog post which has information on the constantly changing market...
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Posted on 12/22/2020
Why Should You Set Up a Property Showing?
For a buyer who is interested in learning more about a residence, it may be beneficial to set up a house showing. In fact, there are many reasons why now may be a good time to schedule a home showing, such as: 1. You can determine if a home is right for you. Many houses are available in cities...
Buyer Tips
Buying A Home
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Posted on 12/15/2020
Execute a House Selling Plan
If you intend to sell your home, you should develop a plan. That way, you can identify any potential home selling hurdles and take steps to address such issues before they escalate. Now, let's take a look at three tips to help you execute a house selling plan to perfection. 1. Establish a Timeline You know you want to...
Tips On Selling
Selling Your Home
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Posted on 12/08/2020
Interesting Ideas for Your Holiday Remnants
Photo by Free-Photos via Pixabay Friendsgiving celebrations, Thanksgiving feasts, holiday parties, Christmas, Chanukah, Kwanzaa, New Year's, birthdays, and everything in between; the fact is, the last two months of the year bring an avalanche of holiday get-togethers and foodie extravaganzas. With all the sumptuous feasting and delicious excess come leftovers and the need for a healthy dose of...
Holiday
Food
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