Life at PHMC

The #1 reason home buyers and sellers choose not to use a real estate agent is…. you guessed it, to save money on real estate commission costs.

With inventory low right now, what’s better? Buying a home you kind of like, or buying a home of your dreams?

This year’s housing market continues to explode like fireworks! In today’s hot real estate market, home inventory is low while competition is high, giving sellers the opportunity to find multiple buyers a lot faster.

What’s a mortgage preapproval, and why is it important? It assesses your income, assets, debts, and credit history then issues an exact loan amount you qualify for.

The struggle is real for Americans seeking to buy their first home. Saving for a down payment still holds the number 1 spot for obstacles when looking to purchase a home. Let’s face some of the facts:

One of the many factors of what makes certain cities and neighborhoods “hot markets” is the school district, and that very factor also plays a role in purchasing a home for many Americans looking to start a family or already have children. After losing bidding wars on hot homes in desirable neighborhoods, so many throw in the towel and resort to paying rent in hopes ANY home will hit the market soon.

The crisp air and motivated sellers make buying a house during the off-peak fall and winter seasons the perfect time to get your perfect home. When a property is listed, the goal is usually to get it sold as quickly as possible, so sellers may be more willing to accommodate buyers who are searching during the off season.

No one deserves the American Dream more than our veterans who fight to protect it. In a recent survey, veterans explain why they have not used the VA home loan benefit

When buying, selling or refinancing, an appraisal is an often overlooked aspect of the transaction.

What does it take to purchase a home? Good credit. Steady income. Low debt-to-income ratios. Job history. Oh yeah, and money in the bank…

The cannabis industry is booming and PHMC is here to help get you home. A generally cash-only business may make other lenders say, “not today,” but Platinum counters with “we’ll find a way!” Our team of mortgage specialists have the expertise and resources to help navigate on what’s available as a cannabis professional.

Federal Housing Administration (FHA) loans are popular, government-backed home mortgage loans that are tailored toward borrowers with limited savings and/or credit challenges. However, anyone who meets the eligibility requirements may apply.

Are you tired of munching on the striped, sweet treats that are synonymous with the holiday season? If so, there are some fun and tasty ways to repurpose uneaten candy canes.

One of the many perks to home ownership: building equity. According to CNBC, today’s homeowners have the highest amount of total accumulated equity in their homes ever recorded, sitting at $5.8 trillion.

Have you ever put any thought into a character from a popular TV show inventing an actual holiday? It never crossed my mind either. But that’s exactly how February 13 became known as Galentine’s Day.

The month of March is dedicated for everyone to get more in-depth knowledge about the contributions women have made to society. Take the opportunity to learn more about Women’s History Month 2022 and you’ll see there are a lot of reasons to celebrate.

Did you know that coloring can help you alleviate some of the unexpected emotions you may experience while house shopping? Adult coloring is gaining popularity as a form of stress release with therapeutic potential to reduce anxiety.

Here is a list of mortgage terminology you need to know when applying for a mortgage in alphabetical order:

Community gardens are a great way to bring homeowners together for the benefit of the entire neighborhood. Participation in starting and maintaining a garden can help transform residents into a united community.

High isn’t just a word to describe the residents of states with legal recreational marijuana use. Some say that legal marijuana caused the housing markets in these states to be blazing hot with high home values.