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Amerifirst blog

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

What is a Renovation Mortgage Loan?

  • Fri, Dec 28, 2018
  • 5 min read

If you could design your Dream Home, what would it look like?  

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Wells Fargo Lowers FICO Scores for FHA Loans: What Does it Mean?

  • Fri, Dec 28, 2018
  • 6 min read

There’s talk in the news and throughout the housing market industry that lending giant Wells Fargo is lowering credit scores it requires for prospective home buyers financing with FHA loans. While this may seem – on the surface at least - like great news for Americans looking to buy a home … we approach this move with cautious optimism.

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How USDA Rural Development Will Change America

  • Thu, Dec 27, 2018
  • 2 min read

Can the USDA save the American housing market? Besides stamping the beef in America, the USDA has another project that affects many people (even vegetarians). There's an agency within the USDA called "The Office of Rural Development." Part of its mission is to improve the economy and quality of life in rural America.

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Don't Wait 90 Days for Your Mortgage Loan to Close

  • Wed, Dec 26, 2018
  • 4 min read

How long is taking for your mortgage loan to close? Did you go with a bank or a company that had the lowest rate? Maybe the mortgage lender you're with is someone your mom or dad recommended. And now it's been 90 days or more and your mortgage still isn't closed. That's not the case at some places. For instance, at AmeriFirst Home Mortgage our closing times are much lower according to the numbers. Let's take a look at a specific loan type: renovation mortgages.

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A Step-by-Step Guide to Buying Land

  • Wed, Dec 26, 2018
  • 4 min read

Owning raw land is sensible if you do not need to have an immediate profit from it. You can always build on it later should you decide to live on it, or else erect a home on it and rent it out. Raw land makes financial sense if you buy it in locations where there is cheap land and you either pay cash or take out an inexpensive loan.  On the other side of the coin, where the land is expensive to buy, such as in the cities or else very popular vacation areas it is far wiser to erect a structure for receiving a source of income. In relation to the value of the property, the cost is negligible as the rental generated could cover costs and provide a good income in an area were there is a high demand for housing.

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When it Comes to Your First Home, Bigger Isn’t Always Better

  • Thu, Nov 12, 2015
  • 3 min read

The Not So Big House In the “bigger is better” world that we live in, it can sometimes feel like a small house is just not going to help you keep up with appearances. Far from being low-budget knock-offs of the American Dream, a small house can be a very sound investment, especially as your first home.

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