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Amerifirst blog

Explore our blog for insights on buying, financing, remodeling, and taking care of your home.

Amerifirst Home Mortgage

Recent Posts:

Why a Home Renovation Loan Could be a Smart Move Right Now

  • Wed, Sep 28, 2022
  • 7 min read

Is there a gap between the home you want and the home you can afford? If so, you might consider buying a home that needs some love with a renovation loan. These loans allow you to buy a home and get the funds you need to cover the costs of repairs, remodeling or renovations to the property - all with one loan. 

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5 Backyard Projects to Finish Before Fall

  • Thu, Sep 22, 2022
  • 3 min read

Many homeowners put off backyard projects until the very end of the summer season for a variety of reasons. Some projects take a lot of planning, too much time, or it might feel like summer will never end. But before you know it, the air is cooler, and fall is around the corner. Fall and winter both change the soil as well, which can cause trouble when it comes to unfinished projects. Listed below are five backyard projects you should finish in fall.

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Home Improvements with the Biggest ROI

  • Thu, Sep 15, 2022
  • 3 min read

Adding value to your home can be a great thing. You don’t need to completely renovate your property to improve your return on investment (ROI). In many cases, smaller upgrades can increase the value of a home by thousands of dollars! Let's take a look at a few of the home improvements you can make to add instant equity to your home.

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Tips for Moving with Young Kids

  • Fri, Sep 9, 2022
  • 3 min read

Everyone knows that moving to a new home or apartment is an aggravating, tedious chore, but once you have a family, moving can become a truly daunting task. Obviously, there is a lot to be excited about with any move – more space in a new neighborhood, a new job or just a change of scenery. For young children, however, it can be a serious disruption.

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OfferBoost: Cash Solutions for Homebuyers

  • Tue, Sep 6, 2022
  • 6 min read

Our customers don’t fit into a one-size-fits-all box, and neither should their loans. In today’s market, it’s especially important to provide a competitive edge to your offer. OfferBoost helps you do that by allowing you to compete with cash. Not only does cash help you compete, but it also increases your options.

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Down Payment Assistance: How to Get Help Buying Your First Home

  • Mon, Aug 15, 2022
  • 29 min read

Last Updated: August 12, 2022   If you're like many first-time buyers, saving up the chunk of money you’ll need to buy a home can be a real challenge.

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5 Reasons Not to Skip Your Home Inspection

  • Mon, Jun 6, 2022
  • 3 min read

You found a house you love—hooray! But with lots of other buyers breathing down your neck, you feel like you need to act fast. To make your offer more attractive to the seller, you might be tempted to skip your home inspection, but here are five good reasons not to! 1.) Not all problems are obvious. It’s easy to spot issues like a crack in the sink or a broken light fixture. But do you know how to recognize foundation problems, termite infestations, outdated wiring, or sewer system problems? Trained home inspectors do and taking the time to have them go over the entire property before you sign the papers can prevent you from buying a headache instead of a home. BOTTOM LINE: The great thing about an inspection is that if you see major problems you’re unwilling to take on, you can change your mind and walk away. 2.) You may not be able to afford the repairs. If you’re like many new homeowners, you may not have much set aside to pay for needed repairs after saving up for your down payment and closing costs. While you may not mind waiting a bit to repaint or update appliances, waiting on problems like leaky roofs, broken plumbing, or infestations will only make them worse, and some issues, like broken furnaces, may need to be repaired right away. BOTTOM LINE: You don’t want to go deep into debt to keep your home safe and comfortable. Instead, it’s worth negotiating with the seller to pay for repairs. If they refuse, you can simply walk away. 3. Some problems can make it harder to insure the home. Getting home insurance is essential because lenders need to see an insurance policy before you can close on your home—and of course, you’ll want to have your home protected in case anything goes wrong. However, some companies may decide that your home’s older electrical systems, plumbing, or building materials make it too risky to insure. BOTTOM LINE: If essential updates are needed, the only choices are to ask the seller to pay for them, pay for them yourself if you can afford it, or walk away from the deal. 4. Serious issues can affect the resale value of the home. Your home is probably the biggest investment you will ever make. However, if it has major problems, instead of building your wealth, it could turn into a lousy investment that threatens your financial well-being. BOTTOM LINE: While a home inspection typically costs a few hundred dollars, it’s an excellent investment in your peace of mind and financial health. 5. Some problems can threaten your family’s health or even your life. This sounds scary, but it’s no exaggeration. Issues like lead paint, black mold, radon (an odorless radioactive gas), or carbon monoxide leaks can cause serious and sometimes fatal health problems. BOTTOM LINE: These issues are also easy to miss without a professional home inspection, and it’s simply not worth taking the risk. While it’s not easy to compete with other buyers who are bidding for the house you want, home inspections are one area where you don’t want to cut corners. To protect your physical, financial, and mental health, there’s no substitute for a professional home inspection.

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