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With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.

1. Pull your credit report

First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining...

Renters' Top 8 Biggest Concerns About Buying A Home

Stated Income Loans Are Returning

Can Private Mortgage Bonds Be Revived?

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There’s no one-size-fits-all approach for meeting your investing goals. A strategy that works for retirement savings could be a poor fit for a home down payment or your emergency fund. Let’s take a look at some basic investing strategies for short-, medium- and long-term goals. It’s all a matter of balancing your tolerance for risk, […]

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Once you've opened an account, you'll want to explore your investment options and the risk they carry. Here are some of the most common investments you'll need to consider:


Franklin County’s recent refinancing of older bonds resulted in cumulative savings of about $1 million over the years of remaining debt. The t…

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Be aware of the close relationships your dog has formed over the past summer weeks. If they happen to be with a family member who is visiting for the summer or who is planning to move out this fall, try fostering new bonds between your dog and a family member who will continue to live in the house full time.

March 23, 2020 Beth Gaye Hunley Bond, 59, of Roanoke, Va., passed away on Monday, March 23, 2020. A memorial service will be held at a later d…

BONDS John Lee May 18, 1930 October 28, 2019 John Lee (Buncy) Bonds, 89, of Goodview, Va., passed away on Monday, October 28, 2019. Funeral se…

John Lee (Buncy) Bonds, 89, of Goodview, Va., passed away Monday, October 28, 2019. Arrangements by Hamlar-Curtis Funeral Home, 540-344-1271.

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