Blog | Mary Ellen Maloney

DTI basics: All about debt-to-income ratio

Your credit score isn’t the only financial factor that matters when applying for a mortgage. Your debt to income ratio, or DTI, is an important indicator of your financial situation. Lenders use DTI - with other financial facts - to determine whether you’re a ...

Prepare for seasonal changes with a monthly home inspection checklist

Homes are one of the biggest investments most folks have in their lifetime. By performing monthly maintenance on your home, you can make certain your home is kept in great condition. A monthly checklist for home maintenance helps to identify and check key areas of your home needing examination. Winter home ...

Why Bargain Hunting is a Bad Idea

It seems like every month there is a new website offering deals on everything from electronics to travel. In fact, the “coupon industry” is booming. This trend has conditioned people, more than ever before, to look for bargains and become determined to pay well below the market price for merchandise. There’s ...

Signs That Now Is a Good Time to Apply for a Mortgage

For many individuals, the homebuying journey often begins with getting pre-approved for a mortgage. Because if a buyer has a mortgage, he or she can enter the real estate market with a budget in hand. Ultimately, there are many signs that now may be the perfect time to apply for a ...