Keystone Alliance Mortgage Blog


Is It Better To Buy a House in The Winter or Summer?

Saturday Dec 16th, 2017

If you’re reading this, you’ve probably heard the rumors about how much cheaper it is to a buy home in the winter as opposed to in the summer. Of course, this begs the question: is there truth to these rumors?

hidden costs

Hidden Costs of Homeownership

Wednesday Nov 29th, 2017

By no means should this article discourage you from homeownership. In fact, in the vast majority of the country, buying a home is actually cheaper than renting one. However, it’s important that new homeowners are well educated on some of the “hidden” costs of homeownership.


Renting vs Buying: What’s Better for You?

Wednesday Nov 22nd, 2017

When it comes to deciding whether to buy or rent, everyone seems to have a different opinion. Obviously, there are many factors to consider when deciding to purchase or rent a home, but ceteris paribus, is one option better than the other?


Should I Pay Back Debt or Start Saving?

Friday Nov 17th, 2017

To pay off debt, or start to save: that is the question. Common advice and some simple math will probably lead you to believe that paying off debt is always the best option; however, this might not always be the case.


The Difference Between an Appraisal and A Home Inspection

Thursday Nov 9th, 2017

The home-buying and selling processes can be confusing and intimidating, and any visit from an expert can give homeowners the impression of being scrutinized. Moreover, many people think home appraisals and inspections are essentially the same thing, when in reality they’re two very different assessments.

10 Perks Of VA Loans

10 Perks of VA Loans That Most Veterans Don’t Know About

Thursday Oct 26th, 2017

According to the U.S. Department of Veterans Affairs, 21 million veterans and service members live in the U.S. today but only about six percent of have purchased a home using a VA home loan in the past five years. Because there is such a surprisingly low portion of the military population utilizing this exclusive mortgage, it begs the question: are veterans not aware of this option, and if they are, do they know the benefits?

when to refinance

How (and When) Do I Refinance My Home?

Thursday Oct 19th, 2017

Simply put, refinancing means replacing your current mortgage with a new loan. However, the process for swapping your old mortgage for a new one isn’t entirely straightforward. In order to eliminate the confusion and anxiety around this revamping of your home loan(s), we’re spelling out exactly what it means to refinance your home.

VA Loan Misconceptions

Clearing Up Misconceptions About VA Loans

Wednesday Oct 11th, 2017

The VA mortgage loan is a program designed to help veterans, active duty military members, and their families purchase a home without having to deal with as many bureaucratic guidelines and requirements. However, there are a few misconceptions about the program that often deter veterans from partaking in this hard-earned benefit.

doctors have their own loan

Do Doctors Have Their Own Type of Mortgage?

Friday Oct 6th, 2017

Like many college graduates, medical students are buried in debt. In fact, the Association of American Medical Colleges reports that physicians leave school with a staggering average of $189,165 in the red.

While student loan debt may not “directly affect” your chances of getting approved for a mortgage, it can definitely limit your options. This is because in the lender’s eyes you’re seen as being a higher risk. However, medical students—despite having significantly higher debt than their undergraduate constituents—are viewed through a much different lens.

creditcard thief2

Could the Theft of Equifax Data Affect My Mortgage Application or Existing Mortgage?

Thursday Sep 28th, 2017

Much of how the Equifax data breach actually happened is still unknown. What is known however, is that this cyber-attack has the potential to cause potential and current homeowners some serious headaches. According to the Federal Trade Commission, 143 million American consumers had their personal data swiped during the theft.

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Is It Better To Buy a House in The Winter or Summer?

If you’re reading this, you’ve probably heard the rumors about how much cheaper it is...

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