ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Conquering the clutter in your home always starts with the best intentions, but if you don’t begin with the right strategy and tactics, you can easily get overwhelmed. Prevent these common mistakes with these smart tips! Start Small It’s so easy to get overwhelmed and feel the urge to give up if you tackle too … Continue reading 5 Decluttering Mistakes to Avoid! →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • The beginning of spring each year typically marks the beginning of homebuying fever for many families. For many, the winter doldrums are over, and the warmer temperatures invite buyers to test the market for the right house. If you are thinking of buying this year, these five reasons might make spring the right time for … Continue reading 5 Reasons to Buy a Home This Spring! →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Spring is here, marking the arrival of warmer temperatures and necessary yardwork! Whether you are looking to put your home on the market, wanting to improve your new home’s look, or just making some tweaks to your current landscaping, here are some budget-friendly tips that just might make your neighbors green with envy! Get to … Continue reading 3 Inexpensive Landscaping Ideas to Try! →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • There are few rites of spring more satisfying than the annual spring cleaning. For most people, the pleasure comes after the work is finished. Your spring cleaning may never become effortless, but you can make the project more manageable – and even enjoyable. And we can help! Get Your Supplies Ready Hit the ground running … Continue reading 3 Ways to Celebrate National Cleaning Week →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • The late Billy Graham was known for his convictions and his character by all that knew him.  A big part of the reason is because Mr. Graham worked early in his ministry with members of his leadership team to come up with the “Modesto Manifesto” which was a simple list of core principles and values … Continue reading Letting Our Values Lead the Way! →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Today we tend to do everything online—from dating and being social to ordering groceries and banking.  But, when it comes to getting a home loan, does it make sense to go with one of those online mortgage companies? If you’re thinking about going online to track down a home loan, here’s a quick rundown of … Continue reading The Pros and Cons of Online Mortgages →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Fixed-rate mortgage and adjustable-rate mortgages are the two primary mortgage types for homebuyers. While other loans options fall within these two categories, the first step in homebuying is determining which of the two types best suits you! Fixed-Rate Loan A fixed-rate mortgage is exactly as it sounds – it’s a home loan with an interest … Continue reading Choosing Between a Fixed vs. Adjustable...

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • When it comes to buying a home, plenty of financial reasons make a convincing argument to make the move to buy. Financial motives like building equity, getting a tax break on your mortgage interest, and investing long term into a home simply make good sense for homebuyers. Emotional reasons, however, are really the more compelling … Continue reading 3 Reasons Why We Really Buy Homes →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Loyal viewers of the popular This Is Us television show reached for their tissues after watching their beloved character Jack Pearson perish due to smoke inhalation from a house fire. While the NBC drama is obviously fiction, the realities of home fires are very real. One spark is all it takes for a family to … Continue reading 3 Lessons to Learn from This Is Us →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Sometimes being in love with your home isn’t about making huge changes. Instead, it’s about learning to appreciate the little things. Paring down, brushing on a fresh coat of paint, hanging new curtains or just changing the way you look at things can make your home a happier dwelling. In the spirit of Valentine’s Day, … Continue reading 3 Ways to Love Your Home More! →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • From getting a lower rate to lowering your monthly payments to switching from an adjustable-rate to a fixed-rate mortgage, there are many reasons to consider refinancing your home mortgage loan. Whatever your reason is for refinancing your mortgage, we know it can be an overwhelming process. Here are 5 steps to follow to ensure a … Continue reading 5 Steps to a Successful Refinance →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Whether you’re a first-time homebuyer or an experienced buyer, there are some important things to keep in mind to ensure that your home mortgage process goes smoothly. Pay Your Bills on Time…Every Time! A good credit history is vital when applying for a home loan. One of the best ways to have good credit is … Continue reading 5 Things to Know Before Applying for a Home Loan →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • When it comes to doing good in the community, we usually think about writing a check or volunteering our time and energy to make an impact. A lesser known option that is just as impactful is sharing your home. Here are a few ways to you can make a difference! Create A Friendly Book Exchange … Continue reading Giving Back Through Your Home →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Buying your first home can be an exciting, yet also overwhelming process. From finding a home that meets your needs to knowing how much you can afford, there are numerous factors that can end up leaving you more stressed than excited. No one wants to experience any regret over the biggest purchase they’ve ever made … Continue reading Avoid These Homebuying Mistakes! →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • If you feel a change is needed in your home for the New Year, a fresh coat of paint is easily one of the biggest and cheapest home design tools at your disposal. But did you know you can get your fresh look or vibe without painting an entire room? Check out these three paint … Continue reading 3 Painting Tips To Transform Your Home →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • The arrival of January brings the annual tradition of creating New Year’s resolutions like living a healthier lifestyle, spending more time with family or friends, or even acquiring new skills or fun hobbies. No matter what your personal goals are for 2018, don’t forget to set some New Year’s resolutions for your home! Of course, … Continue reading New Year’s Resolutions for Your Home →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • If homeownership is a major goal for you, what’s holding you back? If you’re like most renters, it’s the lack of cash for a down payment. Saving can be easier than you think. Taking advantage of some simple saving habits will build your down payment fund, and before you know it, you’ll be making your … Continue reading Down Payment Saving Tips For Renters →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Nothing celebrates the spirit of the holidays more than decorating your home. Whether you are looking for new ideas or enhancing your current décor, make your home merrier this holiday season with these festive ideas! Create a Cozy Mantle Hanging your stockings by the chimney with care isn’t the only way to decorate your mantle … Continue reading 5 Festive Holiday Décor Ideas →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • The holidays are here, and it’s that festive time of year when we open our doors to friends and family to celebrate our time-honored traditions and create lasting memories. It’s easy to feel overwhelmed by the holiday preparation and pressure to make your guests feel welcome – but don’t fret! Here are four tips that … Continue reading Holiday Hosting Hacks →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • While the holidays in December make it the most wonderful time of the year, it’s important to take the necessary precautions to keep your home and family safe. Enjoy the holiday season this year and have some peace of mind with these five tips! Keep Any Travel Plans Private If your holiday season requires traveling … Continue reading 5 Tips to Protect Your Home During the Holidays →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Curling up in front of a warm fireplace is just one of many ways to enjoy the winter season. But before you light that fire, be sure to keep these three safety tips in mind. Burn Only Dry, Cured Wood Logs that have been split, stacked, and dried for eight to twelve months are ideal for burning … Continue reading Fireplace Safety Tips →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Wear and tear happens to any home over the years, and it can be easy to overlook. While preparing to list a home, a seller or their real estate agent will quickly notice the details that need attention. Here are 4 repairs you can make in your home now before listing it for sale! Patch-Up … Continue reading 4 Repairs to Make Before Selling Your House →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • While buying your first house is an exciting time and a big milestone, it’s important to keep in mind that there are some actions to avoid during the buying process. Here are some common but avoidable mistakes that first-time homebuyers sometimes make. Skipping the Prequalified Process When you decide to take the big step towards … Continue reading 4 Common First-Time Homebuyer Mistakes →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Whether you love or dread the frosty winter temperatures, we all like to save money while staying comfortable in our home when the temperatures drop. By taking a few simple steps towards winterizing your home, you can achieve both goals! Caulk (or Re-Caulk) Your Windows If you are noticing cold drafts of air coming from … Continue reading 4 Tips on Winterizing Your Home →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • Halloween is upon us! Whether you’re hosting a party, preparing for ghosts and goblins to knock on your door, or going trick-or-treating with your kids, here are some tips to have a safe and Spooktacular Halloween. Carefully Consider Your Candy Offering Not all candy is appropriate for every child. Avoid candy that poses a choking … Continue reading Spooktacular Halloween Ideas →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • When you decide that you’re ready to buy a house, it can be tempting to start searching for listings on Zillow or drive through your favorite neighborhood looking for “For Sale” signs. The last thing you want to do, however, is to find the perfect house and then realize it’s out of your price range. … Continue reading How Much Home Can You Afford? →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • If you are an avid DIYer, you like to make improvements around your home while saving money at the same time. The arrival of fall brings with it the opportunity to make some simple improvements to your home to prepare for the colder temperatures. Here are three budget-friendly projects you can tackle this fall! Install … Continue reading 3 Budget-Friendly Fall Projects →

ALCOVA Mortgage
ALCOVA Mortgage
Blog Post
  • National Fire Prevention Week (October 8 – 14, 2017) serves as a reminder that there’s never a bad time to review fire safety tips with your family and make sure that you are practicing fire prevention in your home. According to the National Fire Prevention Association, an estimated 365,500 homes alone were damaged in 2015 … Continue reading Home Fire Safety & Prevention Tips →

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