Jim Potts

Synergy One Lending

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On Time, Every Time: How Being Late on Monthly Payments Can Affect Your Mortgage

January 25, 2023 by Jim Potts

Are you the type of person that struggles with remembering to pay their bills on time? You're not alone. People across the country regularly submit late monthly payments, inflicting terrible damage to their credit. Let's take a quick look at how paying your monthly payments late can have a negative impact on your mortgage.

Filed Under: Loan Tips Reno Tagged With: Home Mortgage Tips, Mortgage, Real Estate Tips

In a Hurry to Buy a Home? Speed Your Mortgage Approval up by Following This Checklist

January 13, 2023 by Jim Potts

Have you finally found your dream home after months of searching, only to discover that the seller has received other offers? Few circumstances can raise your stress level as much as finding yourself in a bidding war against another buyer. However, being unprepared by not having your finances in order can make the situation even worse.

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

Owning vs Renting: Why High Rents Are Worse Than a Mortgage over the Long Term

January 5, 2023 by Jim Potts

If you're at the stage in life where home ownership is nearly within your reach, you're probably wondering whether you should start looking for a home or whether you should just keep renting. So why is paying a high rent a worse option than buying a house and getting a mortgage? Here's what you need to know.

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

4 Financial Benefits of Home Ownership

December 30, 2022 by Jim Potts

Home ownership may be one of the most familiar goals of adulthood, but there's more than one reason why so many people flock towards this type of investment and leave the rental market behind. If you're trying to decide if you should make the big plunge towards buying, here are some benefits of saving up for a down payment and finding the right place to settle in.

Filed Under: Loan Tips Reno Tagged With: Home Mortgage Tips, Home Ownership Benefits

How Do I Know If It’s a Good Idea to Refinance My Mortgage?

December 14, 2022 by Jim Potts

Are you interested in paying less per month on your mortgage? Or perhaps you would prefer if your mortgage was paid off a couple of months - or years - faster? If you are a homeowner with a mortgage, one option that is open to you is refinancing. In today's post, we will explore the topic of mortgage refinancing and how to know if it is a good idea.

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

A Step-by-Step Guide to Refinancing a Traditional Mortgage to a FHA Mortgage

December 8, 2022 by Jim Potts

Refinancing a mortgage can provide a homeowner with many benefits, and many are interested in refinancing their traditional mortgage into an FHA mortgage to take advantage of low interest rates. Depending on the specific circumstances, this step may lower the monthly payment, reduce interest charges, adjust the loan term so that it is more beneficial for achieving financial goals and more.

Filed Under: Loan Tips Reno Tagged With: Home Mortgage Tips, Mortgage Refinancing, Mortgages

5 Ways That a Mortgage Can Be a Huge Benefit to Your Financial Future

December 6, 2022 by Jim Potts

For many people, investing in a house is one of the most important purchases they will make in their lifetime. However, alongside having the comfort of your own home, there are many financial benefits associated with buying in. If you're currently perusing the market for opportunities, here are some reasons to consider investing a little sooner.

Filed Under: Loan Tips Reno Tagged With: Home Mortgage Tips, Mortgage, Mortgages and Credit

Understanding ‘PITI’ and What Goes in to Your Monthly Payments

December 2, 2022 by Jim Potts

Ask any friend or family member that owns a home and they will share that it takes a bit of management to keep all the expenses under control. Let's explore the concept of PITI and why it is vital to have a clear picture of how much your home is costing you each month.

Filed Under: Loan Tips Reno Tagged With: Home Mortgage Tips, Mortgage, Real Estate Tips

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Jim Potts

Jim Potts


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Call (760) 337-8100
NMLS# 227144
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Latest Articles

  • What You Need To Know About A Closed-End Second Mortgage
  • What’s Ahead For Mortgage Rates This Week – January 30, 2023
  • On Time, Every Time: How Being Late on Monthly Payments Can Affect Your Mortgage
  • What Is A Loan Contingency: An Overview

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