Category: All Articles

Home Buying Tips: Searching for Your Perfect Home

lnewton@alcova.com October 21, 2025 No Comments

Starting your home buying journey can be exciting, but it can also feel overwhelming without the right guidance. By following proven home buying tips, you can approach the process with…

How to Get Rid of PMI: Everything Homeowners Should Know

Philip Allman October 15, 2025 No Comments

What Is PMI? Private Mortgage Insurance (PMI) is a type of insurance that protects your lender—not you—if you stop making payments on your conventional loan. PMI is typically required when…

What Is a Sewer Scope Inspection and Why You Need One

Philip Allman October 15, 2025 No Comments

What Is a Sewer Scope Inspection? A sewer scope inspection is a specialized evaluation that checks the condition of a home’s sewer line—the pipe that carries wastewater from your home…

Jumbo Loan vs. Conforming Loan: What’s the Difference?

Philip Allman October 15, 2025 No Comments

Understanding Jumbo vs. Conforming Loans When you start shopping for a mortgage, one of the first distinctions you’ll encounter is whether your loan is conforming or jumbo. These categories refer…

Land Loans: How to Finance Your Dream Property

Philip Allman October 15, 2025 No Comments

What Is a Land Loan? A land loan (also called a lot loan) is a type of financing used to purchase a piece of land, whether you plan to build…

Home Appraisal vs. Home Inspection

lnewton@alcova.com October 14, 2025 No Comments

If you’re new to the home buying process, you may be wondering about the difference between a home appraisal and a home inspection. While both are crucial steps, they serve…

How Your Credit Score Affects Mortgage Rates

Philip Allman October 8, 2025 No Comments

Why Your Score Matters in the Mortgage Process When it comes to buying a home, your credit score is one of the most powerful numbers in your financial life. It’s…

How Much House Can I Afford? A Complete Guide to Finding Your Budget

Philip Allman October 8, 2025 No Comments

Meta Description: Wondering how much house you can afford? Learn how lenders calculate affordability, what factors affect your mortgage budget, and how to confidently set a price range before you…

Refinance with a USDA Loan? Here’s What You Need to Know

Philip Allman October 7, 2025 No Comments

Meta Description: Yes, you can refinance a USDA loan — and it may help you lower your monthly payment, get a better interest rate, or free up cash. Learn how…

Fire Prevention: 3 crucial tips to protect your home

lnewton@alcova.com October 7, 2025 No Comments

Did you know that U.S. Fire Departments respond to a home fire every 23 seconds, according to the National Fire Protection Association? National Fire Prevention Week (October 5-11, 2025) is…

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