Should You Pay More Than the Listing Price?

One of the most common dilemmas for buyers is whether paying over the listing price is a smart move. While it may seem counterintuitive to offer more than a home is listed for, there are situations where it could be the right choice.

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Use Your Tax Return to Buy a Home in Omaha

Tax season is here, and for many, that refund check offers a golden opportunity to achieve major financial goals. If you’re considering buying a home in Omaha, Nebraska, your tax

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The Top 4 Reasons People Get Denied a HELOC

When used responsibly, HELOCs can be a fantastic benefit of homeownership, allowing homeowners to invest in necessary home renovations to increase the value of their home. However, qualifying for a HELOC can be difficult for some borrowers. 

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Recasting a Mortgage Loan

Have you ever heard of recasting a mortgage loan? We’re assuming not. It’s a little-known tool that allows you to lower your monthly mortgage payment without having to refinance. Sounds great, right?

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Get the Best Rate When Refinancing Your Mortgage

Are you looking into refinancing your mortgage? You’re not alone. We’ve had many questions regarding refinances lately and wanted to take a moment to discuss how you can get the best rate.

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Qualify for a Conventional Loan

If you’re in the market for a new home, it’s important to know that the housing market is a seller’s market right now. That means there are a lot of

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Can I Borrow More Than the House Is Worth?

"Can I borrow more than the house is worth?" "If I’m pre-approved for up to a $200,000 loan and the house I want to purchase is only $150,000, can I get a loan for $200,000 and use the remaining $50,000 for remodeling?"

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Mortgage Loans at Every Stage of Life

Here at Mortgage Specialists, we help homebuyers secure mortgage loans at every stage of their life. Whether you’re a first-time buyer with no experience in the mortgage process or a

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Five Most Common Questions First-Time Homebuyers Have

Buying your first home can be a very stressful time as it is likely the largest decision you have made in your life. In our experience, the following questions are some of the most commonly asked by first-time homebuyers.

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Delayed Gratification

Journeying away from our typical mortgage or loan tips and guidelines to speak about something that is equally as important and impactful when purchasing a home– delayed gratification. 

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