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MoneyTips You have just closed on your home purchase and money is going to be tight for a while. Should you buy a home warranty to help you avoid out-of-pocket expenses or will it be a waste of money? Before you decide if it will be worth it to you, you should understand what a home warranty really is and what it can do for you. 1. What is a Home Warranty? A home warranty, also known as a home service contract, is a home protection plan that covers the cost of repairs or replacement of your home's critical systems and appliances when they get damaged or break down due to regular wear and tear. Many home warranty plans will typically cover: Plumbing Electrical Major appliances, such as refrigerators, microwaves, washers, and dryers HVAC, central vacuum, and garbage disposal systems ... from MoneyTips https://ift.tt/2yKi8cA

MoneyTips When it comes to financing your mortgage, trying to navigate the labyrinth of lenders can get confusing. Like any significant financial transaction, there are advantages and disadvantages that come with each type of lender. Get started by asking your realtor for referrals. With a large commission at stake, realtors have the right sort of incentive to refer you to specific loan officers or brokers who have proven track records of getting loans approved quickly and at competitive rates, or who have experienced success with unique financial circumstances that are similar to yours. Second, having a solid understanding of the various players and their roles in the market will help prepare you for the process. To enhance this understanding, we provide the following overview: 1. Mortgage Bankers or Mortgage Lenders tend to be larger financial institutions — trusted national brands — that originate loans and sell them to Fannie Mae, Fred... from MoneyTips https://ift.tt/3b