Blog | Joseph Mangiacotti

How to find your debt-to-income ratio

Your credit score isn’t the only financial factor that matters when applying for a mortgage. Your debt to income ratio, or DTI, is an important indicator of your financial situation. Lenders use DTI - with other financial facts - to determine whether you’re a ...

Protecting your Home Gadgets from Hacking

Imagine your coffee maker switching on by itself, staying on for hours, overheating and becoming a fire hazard. That’s not science fiction. As more and more appliances incorporate Wi-Fi, the opportunities for hackers to play havoc with your home gadgets increase. How do you prevent that from happening? Here are some ...

What to Expect When You Counter a Homebuying Proposal

If you are on the fence about whether to accept or reject a homebuying proposal, it is important to remember that a third option is available: countering the offer. By countering a home offer, you can set the stage for a negotiation with an interested buyer. If a buyer accepts your ...

Landscaping for Your New Home

Photo by Matt Chen on Unsplash When you’re creating a landscaping plan for your home it is essential to design around the local climate and weather patterns. When you opt for plants that thrive in your area, you know they are well equipt to handle the seasonal changes specific to your location. This adaptation ...