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after applying for a mortgage

Things to Avoid After Applying for a Mortgage

Things to Avoid After Applying for a Mortgage Congratulations! You’ve found a home to buy and have applied for a mortgage! You’re undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who will be able to tell you how your decisions will impact your home loan. Below is a list of Things You Shouldn’t Do After Applying for a Mortgage. Some may seem obvious, but some may not. 1. Don’t Change Jobs or the Way You Are Paid at Your Job. Your loan officer must be able to track … [Read More...]

down payment strategy - Julie and Dennis Jennings Real Estate


You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders. But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available. THE DOWNSIDE The downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower … [Read More...]

luxurious bedroom- Julie and Dennis Jennings Real Estate

Creating a luxurious bedroom

For most of us, our bedroom is little more than a place to sleep and relax. However, just because it’s always been that way doesn’t mean that we have to settle for drab and dreary. One trend that’s gaining steam these days is converting your current bedroom into a luxury bedroom suite (or something comparable). If you want to live like you’re renting a room at the Ritz, then you want to follow these tips.         Compartmentalize Your Activities Making your bedroom more functional is going to make it more luxurious. Add a gorgeous desk for working and a TV area for … [Read More...]

2019 Prescott Arizona-Julie and Dennis Jennings Real Estate

Half way into 2019, Life in Prescott Arizona

Half way into 2019, Life in Prescott Arizona Where did half of the year go!? Like they always say, time flies when you’re having fun - and what a fun year it has been! We still have so much to look forward to as we continue through 2019 working with our buyers and sellers. Hope that you are enjoying our posts about Prescott as there’s nothing we love more than sharing our passion for the place we call home. July 4th sparklers replace New Years eve fireworks. Continuing education in 2019 So far this year, we earned our Accredited Buyer’s Representative (ABR®) certification in April.  We enjoy taking classes and … [Read More...]