Justin Tuttle

Recent Posts

America’s Most Affordable States in 2017

Posted by Justin Tuttle on Feb 16, 2017 9:29:37 AM

Your state’s cost of living matters, whether you want to build a home, are a first time homebuyer, or plan to raise a family.

If a low cost of living is what you’re after, here are America’s five most affordable states in 2017.

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You Can Create a Smart Home for Under $1000. Here’s How.

Posted by Justin Tuttle on Feb 14, 2017 6:00:00 AM

If you’re a homeowner (or planning on becoming one), you can incorporate fantastic technology into your home at budget prices to create a “smart home.” Whether you want to adjust your lighting using your voice or control your home thermostat using your phone (while not at home), there are options galore.

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Six Affordable Ideas to Make Valentine's Day Special

Posted by Justin Tuttle on Feb 9, 2017 6:00:00 AM

Valentine's Day is big. In fact, Americans spent around $20 billion on Valentine's Day in 2016 alone (or $146 for each person who celebrated).

But you can have a fantastic and romantic Valentine’s without spending lots, which is important if you’re saving to become a homeowner (or saving for other goals such as retirement).

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Buying a home in 2017? Here are four things to consider

Posted by Justin Tuttle on Feb 8, 2017 6:00:00 AM

If you’re planning on buying a home in early 2017, you can expect a substantially different housing market from the beginning of 2016.

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Securing a Low Mortgage Interest Rate in an Era of Higher Rates

Posted by Justin Tuttle on Feb 6, 2017 9:27:13 AM

Since the November presidential election, mortgage interest rates have moved higher. And while mortgage interest rates have decreased from post-election highs, many housing analysts expect higher rates throughout 2017.

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Mortgage Industry Highlights and Key Takeaways from January 2017

Posted by Justin Tuttle on Feb 1, 2017 6:00:00 AM

As we move into February, it’s been a busy period for mortgage-related news. Here are some recent highlights:

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Six Easy Tips to Save Money Around The House

Posted by Justin Tuttle on Jan 30, 2017 6:00:00 AM

As we move into February, many of us are still following our new year’s resolutions and goals. One of best resolutions (or goal for any time period) is improving our finances. Open Mortgage provided some financial resolution tips and strategies in a recent blog post.

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How to Get a Mortgage Approval if You're an Identity Theft Victim

Posted by Justin Tuttle on Jan 26, 2017 6:00:00 AM

As discussed in part one and part two in our identity theft blog series, everyone is at risk of  identity theft. But by learning how identity theft occurs, and staying alert for signs that it happened, you can create strategies that help prevent it.

Unfortunately, there is no one single tool or action (or combined strategy) that is 100% guaranteed to prevent identity theft.

Should you learn you’re an identity theft victim, immediately report it through the IdentityTheft.Gov website and follow their checklist of steps to limit and repair the damage.  

You can still obtain a mortgage if you’re an identity theft victim
Mortgage lenders are aware that identity theft can occur to all of us, and have guidelines to work with customers who are identity theft victims.

While the good news is identity theft doesn’t usually prevent you from gaining homeownership, the bad news is it makes the process harder. Here are steps you can take and things you can expect if you’re an identity theft victim:

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How to Get a Mortgage if you’re Self-employed

Posted by Justin Tuttle on Jan 25, 2017 6:00:00 AM

Are you self-employed? If so, you’re part of a rapidly growing segment of the US economy. In fact, an October 2016 study found that America’s freelancing economy has grown to 55 million people, or 35% of the entire workforce.

Getting a mortgage can be harder and more expensive if you’re self employed, but there are still mortgages available to you, as well as strategies to make yourself a more attractive candidate.

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Is it a Good Idea to Pay Off Your Mortgage Early?

Posted by Justin Tuttle on Jan 23, 2017 6:00:00 AM

If you’re considering applying for a mortgage to purchase a home, you can expect a long-term commitment. A 2015 survey found that despite 15-year mortgages being available, 86% of mortgage applicants opted for 30-year loans.

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