BayFirst Blog

Alternative Pathways to Homeownership in Today’s Real Estate Market

October 12, 2023

After larger down payments in bidding wars became the norm over the past few years, down payments are shifting—and shrinking, according to a report from Realtor.com.
 

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Spring Forward with Home Renovations This Spring

March 9, 2023

Spring is known as a time to start fresh, which makes it one of the most popular times for home improvement projects. And, with high home prices and many owners on the sidelines waiting for a better time to buy their next home, this spring could be a great time to tap into your home’s equity to cover the renovation costs. 

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Coming Up With Ways To Maximize Your Down Payment

January 5, 2023

After a year of skyrocketing home prices and high interest rates, many potential homebuyers who spent years saving up for a down payment have put their dreams of owning a home on hold. While many remain on the sidelines waiting for conditions to improve, when it comes to getting the most out those savings, there may be no better time than the present to act.

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Hashing out the Differences Between a HELOC and Home Equity Loan

August 31, 2022

While many recognize both home equity loans and home equity lines of credit (HELOCs) are available, not all are aware of the differences between the two and which is best for their specific needs. To help, the personal loan experts at BayFirst have created the below HELOC vs. Home Equity Loan cheat sheet to use when you’re ready to maximize the value of your home to tackle your next project or cover an expense.
 

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Take Advantage of Increased Home Value

July 25, 2022

Home prices are surging across the country leaving many homeowners looking for ways to tap into their increased home equity to better position themselves financially. If your home’s value is high, now could be a smart time to take advantage to set yourself up for future success, too.

To help homeowners do just that, the residential mortgage experts at BayFirst have compiled a list of ways to maximize the value of your home while home prices hover at record highs.
 

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With Adjustable-Rate Mortgages on the Rise, When Should You Say YES to an ARM?

June 10, 2022

With rising interest rates and continued housing appreciation, many borrowers are concerned about missing out on homeownership due to overall affordability, leaving them searching for any competitive advantage they can find. As a result, mortgage lenders are seeing an increase in Adjustable-Rate Mortgages (ARMs).
 

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Steps to Take Before House Hunting this Homebuying Season

April 12, 2022

Spring homebuying season is fast approaching, bringing with it the potential for even more demand and higher prices, all while mortgage rates continue to rise. In short, this year’s traditional selling season is shaping up to be anything but. 

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Getting to Know Government Loans

December 15, 2021

While it’s always important for buyers to understand the loan options available to them when purchasing a home, in today’s hot real estate market it could make all the difference – especially for first-time homebuyers or others who may have trouble qualifying for conventional mortgages.
 

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Dispelling Myths about VA Loans this Veterans Day

November 9, 2021

This Veterans Day, BayFirst is dispelling myths about VA loans and underscoring why all sellers should consider choosing a military buyer using one.
 

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Why Your Loan Originator Can Make All the Difference When Buying a Home

October 26, 2021

Few buyers are experts when it comes to the home loan process. So, when buying a home, it’s important to choose a bank that offers not only quality products to fit your individual needs, but also dedicated professionals who will go the extra mile to ensure the home of your dreams becomes a reality.

That’s what BayFirst Residential Loan Originator Diana Schwarz does for every customer she works with.
 

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