Tim Dalton Loan Officer NLMS #1468874

02/16/2025

02/12/2025

Renting:

Pros:

Less money upfront
Landlord handles repairs
No property taxes or HOA fees
Utilities might be included
Cheaper insurance
Cons:

Rent can go up
No equity building
Tough rental market
Lease might not renew
No tax breaks
Buying:

Pros:

Build equity over time
Credit booster
Fixed mortgage payments (if fixed-rate)
Tax benefits
Renovate to your taste
Cons:

Higher upfront costs
Property value can drop
Competitive housing market
Maintenance costs
Equity takes time
Property taxes, insurance, HOA fees
High mortgage rates

02/10/2025

We make the process easy with online uploads of your documents and fast online applications.

02/07/2025

The process starts with heating sand (silica), soda ash, and limestone to a molten state. This gooey mixture is then cooled rapidly, preventing the molecules from forming a regular crystalline structure.

The result? A material that's both transparent and incredibly strong... glass! 💪

02/05/2025

It's the world’s largest single-piece roof structure, covering almost 14 acres.
The roof opens and closes like a camera lens, making it ideal for all weather conditions.
When closed, the roof becomes completely hidden, with the pieces laying over top of one another.
The stadium hosts sporting events, concerts, and more under its massive roof.
Roofs on this monumental scale are awe-inspiring to be around.

02/03/2025

We can help you with all of these items on your checklist.

01/31/2025

The origins of mortgages can be traced back to ancient times, but the modern mortgage was introduced in the United States in the 1930s.

01/29/2025

Your loan officer can help you determine how much you can afford if you are struggling to find out on your own. We can also get you a preapproval.

01/27/2025

Did you know that brass door nobs disinfect themselves? This makes them particularly helpful on homes. It's called the oligodynamic effect, and it's the result of metal ions in brass and copper having a toxic effect on molds, spores, viruses, and other living cells. Unvarnished brass doorknobs magically disinfect themselves in about eight hours. mortgage

01/24/2025

Houses with black or charcoal gray front doors actually sell for 6,271 more than expected. Tuxedo kitchens (these are kitchens where the upper and lower cabinets are painted in two different colors, sell for a $1547 premium).

01/22/2025

Sears used to sell mail order homes. As many as 75,000 home kits were sold between 1908 and 1940. Customers could choose from hundreds of different styles, and the kits included everything needed to build a house, from lumber to nails. Some of these Sears Modern Homes are still standing today, a testament to their quality and durability.

01/20/2025

We often get asked what mortgage rates are and if it's best to wait to apply for a mortgage. The truth is that mortgage rates are in constant flux and even change multiple times a day. This makes it interesting for buyers to find out when it is best to purchase. We are here to help you when you are ready to apply for a mortgage.