Ardent Exchange

Ardent Exchange: First Home Concierges - New homeowner, now what?

For the final episode of this season, Damien and Alishia discuss some of the financial considerations that come after homeownership, including: * Escrow * Insurance * Building and using equity * Refinancing * Selling To contact our First Home Concierges, visit ardentcu.org/newbuyer [https://www.ardentcu.org/borrow/mortgages/first-time-homebuyer]

Ardent Exchange: First Home Concierges - Financing

Today’s episode is all about mortgages. Our First Home Concierges talk you through all the major home loan options, rate shopping and some of the other decisions you’ll have to make before closing. Get the inside scoop on: * Mortgage types (FHA vs. conventional, etc.) * Fixed-rate vs. Adjustible * Points * PMI * And more

Ardent Exchange: First Home Concierges - Offers and negotiating

Damien and Alishia tackle the ins and outs of making an offer on a home and negotiating with the seller. They discuss common tactics buyers can use to be competitive in any market: * Components of an offer * How much to offer (appraisal vs. price) * Pre-approvals * Negotiating * Appraisals and inspections * And more RESOURCES * First Home Concierge: https://www.ardentcu.org/newbuyer [https://www.ardentcu.org/newbuyer]

Ardent Exchange: First Home Concierges - Finding your home

On this episode, First Home Concierges Damien and Alishia talk about what most people picture of when they think of homebuying: actually looking for your home. But it’s not all just browsing Zillow. They’ll give you the lowdown on: * Different home types * Must-haves vs. nice-to-haves * Finding a real estate agent * Buyers vs. Sellers market * And more RESOURCES: * Ardent First Home Concierge: https://ardentcu.org/newbuyer [https://ardentcu.org/newbuyer] * HomeAdvantage: https://ardentcu.myhomeadvantage.com/ [https://ardentcu.myhomeadvantage.com/]

Ardent Exchange: First Home Concierges - Homebuying 101

Think you're ready to buy your first home but don't know where to begin? Start here. Season two of The Ardent Exchange podcast features Ardent’s First Home Concierges, Damien Manno and Alishia La Cerda. Join your hosts for a deep dive into the homebuying process and find out why it pays to have experts like them on your side. On the first episode, Homebuying 101, Damien and Alishia will give an overview of the homebuying process, including: * Your credit score and why it’s important * First-time homebuyer education resources * Budgeting – How much can you afford? * Pre-approvals and why they matter * Down payment, closing and other costs * And more This episode is on the longer side, but it’s packed with great tips. RESOURCES: Ardent’s First-Time Homebuyer program: https://www.ardentcu.org/newbuyer [https://www.ardentcu.org/newbuyer]