Fernando Semiao's blog

Families On The Move

moving tipsMoving is often considered one of the most stressful things families go through and for good reason.

In today’s busy, 24/7 world, it’s hard to slow down long enough to get organized, packed and settled again in a new location.

Here are a few tips to help alleviate the stress on you and your family and help your move go as smoothly as possible.


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When possible, start planning your move 6-8 weeks before your targeted move date.

How To Save For A Down Payment On A Home

With interest rates down, many savvy consumers are taking a good long look at investing in a home of their own.  The benefits are big and the rewards of buying a home are long-reaching. For some consumers, a down payment is the only thing standing between them and the dream of home ownership.

In today's economy, it's not always easy to save the necessary funds to, not just get into a house of your own, but get a decent interest rate as well.

Here are some simple things you can put into your personal or family action plan for saving that down payment money in less time:

5 Simple Things You Need To Know To Make The Home Buying Process Easier

In reality, there are only 5 things you need to know and do to make your home buying experience as simple as possible.


Get pre-approved for your loan.

Get pre-approved in the amount you're able and willing to borrow.  With this pre-approval, you are in a strong position to buy a home when you're ready -- rather than finding your dream home and finding out you can't afford it or you've lost it to another buyer who was ready with their pre-approval.