Hearthside Happenings

Making Sense of Mortgage Options

Buying a house can be stressful enough without trying to decipher all of the different mortgages; learn the differences here
Posted by Joe Carelli on March 11, 2020 in  Coldwell Banker  Coldwell Banker Hearthside  Finance  Mortgage  Mortgages
The decision to buy a house is not one to be taken lightly; it takes planning, determination, thought, and unless you’re paying cash, it also takes a mortgage. Hopefully, you’ve already done your homework about what you can afford, you know the most you’re willing to spend on improvements, and you have made any necessary adjustments to your credit score before you start the home-buying process. Of course, once you’re ready to take the plunge and apply for that loan, you may find you’re... read more
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Boosting Your Credit Score

Buying a house? You better check your credit score first so you don’t get caught by surprise
Posted by Joe Carelli on February 07, 2020 in  CBH  Coldwell Banker  Coldwell Banker Hearthside  Credit  Credit Score  credit tips  Family First  finance  tips
When you’re ready to buy a house, your top priority is to check your credit score so you can address any potential issues before you begin house hunting. Yes, it’s true that when you meet with a lender he will pull a copy of your credit report and credit score, but if your numbers are low, do you really want your potential lender to see it? A low score means a really high-interest rate or possibly a denied loan, so it’s important to take care of any issues with your credit long before you start th... read more
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Mortgage Mistakes To Avoid When Buying A Home

Once you’ve made the commitment to buy a house, make sure you avoid these mortgage mishaps.
Posted by Joe Carelli on December 05, 2019 in  CBH  Coldwell Banker  Coldwell Banker Hearthside  finance  Mortgage  Real Estate  Tips
If you’re in the market for a new home, most likely you're also in the market for a mortgage. However, once you’re approved for a loan, you need to be careful to avoid the mortgage mistakes that can make you hit the reset button on your home buying dreams.  After the process of searching for the perfect home, you probably are ready to kick back and breathe a sigh of relief once you’ve found the one. Buyer beware though, just because you’ve made the commitment to buy, and the sellers ha... read more
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7 Tips to Beat the Heat!

The summer is heating up as your wallet and body melt away. Follow these tips to save on energy costs and stay cool.
Posted by Joe Carelli on June 25, 2019 in  activities  coldwell banker  coldwell banker hearthside  energy  finance  heat  New Jersey  pennsylvania  pool  Pro Tips  summer  tips  weather
Sunshine and good times are back, it's officially summer! It's a season of swimming, grilling, fireworks, and vacation. While we don't miss the dread of digging our cars out from a mountain of snow, summer does come with a few inconveniences. Summer brings the debate of if it's better to melt away in your home or watch your wallet melt away due to high energy bills. Steer clear of the debate and learn to stay cool while being mindful about your finances with these 7 tips. 1. Close Your Curtains One of the primary... read more
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