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Michael Bock and Theresa NeSmith

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Team Mortgage Mikes August 21, 2023 Leave a Comment

What Do Appraisers Consider When Valuing a House?

The location of the property is one of the most critical factors in determining its value. Proximity to amenities such as schools, shopping centers, parks, public transportation, and the overall desirability of the neighborhood can significantly influence the value.

Filed Under: Mortgage Tagged With: Appraisal, Home Valuation, Mortgage

Team Mortgage Mikes August 17, 2023 Leave a Comment

Vacation Home or First Mortgage Payoff?

Choosing between investing in a vacation home or paying off your first mortgage is not a decision to be taken lightly. Both options have their merits, and the best choice for you depends on your individual circumstances and priorities. Take the time to carefully weigh the pros and cons of each option, and if needed, consult with a financial advisor who can provide personalized guidance based on your unique situation. Remember that whichever path you choose, responsible financial planning and thoughtful consideration will lead you to a more secure and rewarding future.

Filed Under: Mortgage Tagged With: Mortgage, New Home

Team Mortgage Mikes August 10, 2023

Disputing Your Property Tax Assessment Can Save You Money

Property taxes can be a substantial financial burden for homeowners and property owners. Each year, local governments assess the value of properties to determine the amount of property tax owed.

Filed Under: Mortgage Tagged With: Mortgage, Property Taxes, Tax Assessments

Team Mortgage Mikes August 9, 2023

Why Is My Mortgage Escrow Account Sending Me a Check?

Various factors can lead to fluctuations in these estimated expenses. If the actual costs turn out to be lower than anticipated, your escrow account may end up with an excess balance, resulting in a refund check being sent to you.

Filed Under: Mortgage Tagged With: Escrow Account, Escrow Account Audit, Mortgage

Team Mortgage Mikes August 4, 2023

Will Buying A New Car Impact The Ability To Buy A New Home?

Making major life decisions often involves a delicate balancing act. Among the most significant choices, individuals face are buying a new car and purchasing a new home. Both ventures represent milestones in one’s life, bringing excitement and anticipation. However, there is a complex interplay between these two financial endeavors that can significantly impact a person’s ability to achieve their dream of owning a new home. Here are some factors to consider:

Filed Under: Mortgage Tagged With: Mortgage, New Car, New Home

Team Mortgage Mikes August 2, 2023

How Much Equity Can I Borrow from My House

In general, lenders typically allow you to borrow up to 80% of your home’s equity. For example, if your home is currently valued at $400,000 and you owe $200,000 on your mortgage, you may be able to borrow up to $160,000 (80% of the $200,000 in equity you have in your home).

Filed Under: Mortgage Tagged With: Equity, Mortgage

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Michael and Theresa Bock

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Michael Bock
Mortgage Loan Originator

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Michael NMLS #1749855
Theresa NMLS #1996065

Bock Mortgage Group

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Michael Bock | NMLS #1749855
Theresa Bock | NMLS #1996065
Licensed Mortgage Loan Originators
Bock Mortgage Group LLC. | NMLS# 2504921

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Florida · Clearwater, FL · Pinellas County, FL · Brandon, FL · Pasco, FL · Saint Petersburg, FL · Wesley Chapel, FL · Riverview, FL · Tampa, FL

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