Why It Matters Where You Get Your Pre-Approval

“Does it matter where I get my pre-approval from?” We get this question quite often.  Here’s our two cents — When sellers review your offer, the lender you choose will

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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

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Recession, Interest Rates, and Real Estate

We pride ourselves on being transparent and sharing up-to-date tips and information. With speculation of a recession on the horizon, we are here to share the statistics to help with

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Keeping Your Documents in Order

As Tax Day has passed, you may have your W-2s, insurance forms, and other paperwork still laying around. Our tip to you is to file that paperwork away in a

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Use Your Tax Refund To Save For A Down Payment

Tax season is in full swing. This means that many local Omahans will be receiving or have already received a tax refund of varying amounts. And we think the best

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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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What You Need to Know About Omaha Property Taxes

Here at Mortgage Specialists, we’ve been fielding more and more questions about Omaha property taxes than in recent years. We understand why – many Omaha homes have been significantly going

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Refinance to Drop Private Mortgage Insurance

With interest rates hovering near all-time lows for most of 2021, we’ve been receiving a lot of refinancing questions. Refinancing your mortgage is a great option in many situations, including

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5 Pre-Approval Mistakes To Avoid

You’re pre-approved for a loan – congratulations! You’ve just taken the first step to purchasing your new home. While a pre-approval shows that your lender could provide you with a

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Benefits Of Choosing A Local Lender

One of the best things a home buyer can do is shop around for loans. Doing so will help you to be the most informed buyer, and ensure you’re getting

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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

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Questions to Consider Before Buying in a Competitive Housing Market

We’re sure everyone has heard by now – Omaha has a very competitive housing market right now. And it’s not just Omaha, the entire country is experiencing a more competitive

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5 New Construction Home Tips

So, you’re thinking that your next house might be a new construction home. What exactly does that entail? Most of the information online pertains specifically to purchasing an existing home,

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How To Win A Bidding War

The real estate market today is increasingly competitive. And with a competitive market comes bidding wars. With so many bidding wars taking place, we want to take a moment to

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Buyers: You Need A Real Estate Agent

This is a topic we feel strongly about, having worked in the mortgage industry for years. We’ve worked on transactions where the buyer doesn’t have a real estate agent to

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Frequently Asked Mortgage Questions

Here at Mortgage Specialists, one of our favorite aspects of the job is educating our clients on the mortgage process. It isn’t a process that many go through often, so

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