Jim Potts

Synergy One Lending

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Understanding the Differences Between ‘Prequalified’ And ‘Preapproved’ For a Mortgage

September 15, 2023 by Jim Potts

Are you in the market for a new home? If you are going to rely on mortgage financing to cover some of the purchase cost, you will need to start the application process as soon as possible. However, what if you just need to know how much you will be able to borrow so you can start finding homes in your price range?

Filed Under: Loan Tips Reno Tagged With: Home Mortgage Tips, Mortgage, Mortgage Applications

Should I Consolidate My Debts with a Mortgage Refinance Loan?

September 13, 2023 by Jim Potts

Managing multiple debts can become overwhelming and burdensome. Juggling various loan payments with varying interest rates and repayment terms can lead to financial stress and missed opportunities. One solution that borrowers often consider is consolidating their debts through a mortgage refinance loan. While this approach can be beneficial for some, it's crucial to carefully evaluate its pros and cons before deciding.

Filed Under: Loan Tips Reno Tagged With: Debt Consolidation, Mortgage, Refinance

Working From Home: 5 Best Tips To Make It Work

September 12, 2023 by Jim Potts

Carving out space for a home office isn't always easy, but if you have the option to work from home even part of the time, it's essential to have a space that works for you.

Filed Under: Loan Tips Reno Tagged With: Home Office, Home Organization, Mortgage

What’s Ahead For Mortgage Rates This Week – September 11, 2023

September 11, 2023 by Jim Potts

Last week's scheduled economic reporting was limited due to the U.S. Labor Day holiday on Monday. The Federal Reserve released its Beige Book report and weekly readings on mortgage rates and jobless claims were also published.

Filed Under: Loan Tips Reno Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Does Your Homeowner’s Insurance Policy Cover Storm Damage?

September 8, 2023 by Jim Potts

If you own a home, you must make sure it is properly protected. Hazards can change throughout the year, and one of the biggest threats during the spring is the arrival of frequent thunderstorms. If your home is damaged by a severe storm, it might be covered by your homeowner's insurance policy. You need to take a closer look at your policy to see if you have the right coverage.

Filed Under: Loan Tips Reno Tagged With: HOI, Home Ownership, Storm Damage

Ways That You Can Go Greener On Your Home Improvement

September 7, 2023 by Jim Potts

Use eco-friendly materials: Consider using materials that are made from sustainable and renewable resources such as bamboo, cork, or recycled materials. These materials not only have a lower impact on the environment but can also add a unique touch to your home.

Filed Under: Loan Tips Reno Tagged With: Aroundthe Home, Eco-Friendly, Go Green

What’s Ahead For Mortgage Rates This Week – September 5, 2023

September 5, 2023 by Jim Potts

Inflation rose at a pace of 0.20 percent in July and met analysts' expectations. There was no change in the pace of month-to-month inflation from June's reading of 0.20 percent growth. The Consumer Price Index also reported that year-over-year inflation reached 9.10 percent, which was the highest reading since reaching a 40-year high in mid-2022.

Filed Under: Loan Tips Reno Tagged With: Case Shiller, Financial Report, Housing Market

Understanding the Mechanics of a HELOC Loan

September 1, 2023 by Jim Potts

A Home Equity Line of Credit is a type of loan that allows homeowners to borrow against the equity they have built in their property. Equity is the difference between the home's current market value and the outstanding mortgage balance. HELOCs are typically offered by banks, credit unions, and other financial institutions and are often regarded as a "second mortgage."

Filed Under: Loan Tips Reno Tagged With: HELOC, Interest Rates, Mortgage

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Jim Potts

Jim Potts


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NMLS# 227144
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  • Understanding Mortgage Amortizations and Why Longer Periods Can Cost More
  • What Does Contingent Mean on a House Sale
  • What’s Ahead For Mortgage Rates This Week – September 25, 2023
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