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Why it pays to research a home’s history before buying
Owning a Home

Why it pays to research a home’s history before buying

When Nick Weith and Damien Mordecai bought their Gowanda, New York house in 2020, the Zillow listing read “Built in 1940.” But they knew better.The boxy silhouette. The Second Empire roof. It was clearly Victorian Era. That 1940 date? It had to be a placeholder.After a deep dive into the ...

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3 signs it’s getting less competitive to buy a home
Owning a Home

3 signs it’s getting less competitive to buy a home

Over the last few years, purchasing a home has felt a lot like competing in a triathlon.However, instead of vying for a trophy, home buyers have duked it out for the nation's limited amount of housing inventory. Spurred on by historically low mortgage rates and the desire for larger living spaces ...

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How to reduce interest rate risk when you are building a home
Owning a Home

How to reduce interest rate risk when you are building a home

As the construction market makes a comeback, you might be thinking of building your own dream home. But in an uncertain economy and with interest rates on the rise, you’ll want a financial solution that reduces your financial risk.Introducing – the Power of One. With a single-close construction-to-permanent loan from Valley, ...

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Taking the mystery (and misery) out of increasing interest rates
Managing Your Money

Taking the mystery (and misery) out of increasing interest rates

Practically everything you want to buy costs exponentially more than it did even a few months ago. Americans across the country are struggling to manage rapidly rising costs on everything from grocery store items to gas for their cars. And now the cost of loans and credit cards is also ...

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Why the Fed rate hike isn’t the worst news for home buyers
Owning a Home

Why the Fed rate hike isn’t the worst news for home buyers

On Wednesday, the Federal Reserve announced an increase to its federal funds rate. This is the rate at which banks can lend each other excess reserves overnight. It is a benchmark rate, not the rate individual borrowers pay. But it affects the rates of both debt and savings.The increase announced ...

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How a faster mortgage process can help you buy the home of your dreams
Owning a Home

How a faster mortgage process can help you buy the home of your dreams

Last year was characterized by a housing market unlike any we have seen in recent memory; it was a seller’s dream and a buyer’s nightmare. The national median home price hit an all-time high in June at $362,800, and, according to Redfin, the typical home sold in just 15 days. ...

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