Should You Buy a Fixer-Upper?  A First-Time Buyer’s Honest Guide

Should You Buy a Fixer-Upper? A First-Time Buyer’s Honest Guide

Buying your first home can feel like standing at the edge of possibility, and maybe, a little chaos. You might dream of a modern kitchen or perfect porch swing, but find yourself walking through homes that need serious TLC. This is your real-world guide t

Jan 13, 2026 | Purchasing a Home Home Renovation

A Guide to Buying a Home in Retirement

A Guide to Buying a Home in Retirement

Retirement offers the opportunity to adjust your lifestyle and focus on long-term comfort. For many retirees, purchasing a new home is an important part of this transition. Establish Your Priorities Before starting your search, define your must-haves and

Jan 13, 2026 | Purchasing a Home

Is Your Mortgage Payment Too High? Here’s How to Lower It

Is Your Mortgage Payment Too High? Here’s How to Lower It

A high mortgage payment can quietly strain your budget month after month. The good news is that your payment is not fixed forever. With the right strategies, many homeowners can reduce their monthly obligation and free up cash for other priorities. Refina

Jan 06, 2026 | Refinancing a Home

FHA Compensating Factors: Strengthening Your Loan Application

FHA Compensating Factors: Strengthening Your Loan Application

FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification criteria. FHA compensating factors offer a solution by allow

Dec 30, 2025 | Purchasing a Home

Merry Christmas

Merry Christmas

As the holiday season fills our hearts with joy and our homes with warmth, we want to take a moment to wish you and your family a very Merry Christmas! From all of us at Realty Mortgage Services, LLC, thank you for being such an important part of our year

Dec 23, 2025 |

Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?

Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?

Credit card debt affects millions of Americans, with high interest rates making it difficult to make meaningful progress toward becoming debt-free. A Home Equity Line of Credit (HELOC) offers one potential solution by allowing you to leverage your home's

Dec 16, 2025 |