Charlie Schein

  • Owner & Principal Agent
  • Star-Schein Insurance Agency
  • Glastonbury, CT   
  • Website
Message
Connect
Call

(855) 860-STAR (7827)


Contact me for: Home Insurance, Auto Insurance, Theft Insurance, Business Insurance, Life Insurance, Pet Health Insurance, Medicare Insurance (Advantage Plans, Supplemental, and Stand Alone Part D)

Charlie has worked in the property/casualty insurance industry since 1988. He has owned his own independent agency since 2009.

Star-Schein Agency offers insurance for Car, Home, Life, Health, Medicare Health, Business and Pet Health.

Expert Articles by Charlie Schein

Home, Auto, and Theft Insurance

Expert advice before you add a teenage driver onto your auto insurance
When your child does become licensed, your premium will increase no matter who insured you. It does pay to shop around. The best way to do that is to contact an independent insurance agent. They have ...
Getting the most out of your leased car insurance coverage
Part of your insurance premium may based on your credit score. Companies cannot base your premium completely on credit score, but it does play a large part in determining the rate you pay, or even if ...
Get the best auto insurance coverage for your used car
The downside of buying a used car might be a high insurance bill. To avoid that, work with your independent agent to make sure you are getting all of the credits available to you, and that you’re dr...
Does damage to your home mean you should file an insurance claim?
In the event of major damage to your home property, always take quality photos and documentation of the damage. Also put up a secure covering over the damage to ensure minimal-to-no further damage occ...
Save money by bundling your renters and car insurance policies
The most important thing to remember is this: if you want to do business with just one company, they generally offer a discount for bundling your policies. Keep track of your credit score and be a sma...
Auto insurance claims can result in higher premiums and surcharges
Not every bit of damage to your car should result in a claim because it could easily cost you more in the long run with higher insurance premiums. Othertimes, it will save you money and get you back t...
When should you file a home insurance claim or pay out-of-pocket?
Being able to file a home insurance claim is the reason why people have insurance in the first place, but it’s always important to keep in mind that premiums can increase, surcharges exist, and an i...
Homeowners: Factors to consider when purchasing home insurance
Some key points to remember: Go higher, not lower with your liability coverage. Make sure your home is insured for replacement—not market—value. To lower your premium, try raising your deductible....

Expert Articles Sponsored by Charlie Schein

Home, Auto, and Theft Insurance

Homeowners - be prepared before a disaster strikes!
We always hope that we will not be impacted by floods, wildfires, tornadoes, hurricanes, ice storms, or other natural disasters, but we never know. Why not be prepared in case you are affected by a di...
Selecting umbrella insurance
If you ever find yourself in the unfortunate circumstance that was described above, you’ll be happy you have Umbrella Insurance. Now that you are more knowledgeable on the product, you can see that ...
How to file an umbrella insurance claim
An insurance company’s primary goal is not to pay money to claimants; its to make a profit for their shareholders. In some cases, when paying claims, an insurance company will not notify you of the ...
Advice on making a property damage insurance claim
After you have had a claim to your home or business, your world is thrown into a tailspin. You will have many different parties advising you how to proceed, and you must start making some very importa...
How to protect and insure your electronic devices
Smartphones, laptops and other electronic gadgets that organize and enhance our lives are worth the time investment to learn how best to protect them. Keep gadgets safe by taking precautions, such as ...
The right auto insurance will guarantee protection for your new car
Auto insurance provisions are complex. You cannot simply rely on an advertisement to determine your levels of coverage and you should buy the plan with an eye on protection first and price second....
Expert advice before you add a teenage driver onto your auto insurance
When your child does become licensed, your premium will increase no matter who insured you. It does pay to shop around. The best way to do that is to contact an independent insurance agent. They have ...
Shop online for new car insurance with confidence
While everyone wants to save as much money as possible on their auto insurance, please ensure the proper protection is in place before making any decisions. Quoters will try to sell you whatever they ...
Getting the most out of your leased car insurance coverage
Part of your insurance premium may based on your credit score. Companies cannot base your premium completely on credit score, but it does play a large part in determining the rate you pay, or even if ...
Get the best auto insurance coverage for your used car
The downside of buying a used car might be a high insurance bill. To avoid that, work with your independent agent to make sure you are getting all of the credits available to you, and that you’re dr...
Buy a vehicle service contract to save money when warranty expires
Following these best practices to select a high-quality service contract provider will ensure the best experience when your automobile needs repairs. Don’t allow the expiration of your factory warra...
Know how much home insurance to get with the help of a broker
As you can see, deciding what value to insure your home for is very important. Following the advice above will aid you on your journey to perfect home insurance protection. While I hope you find an af...
Advice on making a home insurance claim easy and stress free
The claims process is far simpler than most would think. As long as you are knowledgeable of your coverage and keep thorough records immediately following the reporting of a claim, the process should ...
Does damage to your home mean you should file an insurance claim?
In the event of major damage to your home property, always take quality photos and documentation of the damage. Also put up a secure covering over the damage to ensure minimal-to-no further damage occ...
Do you rent a house or apartment? Get renters insurance coverage
Renters insurance may sound unnecessary or too temporary of a thing to worry about, but it takes care of you and your present situation. As you presently work and save for your future and your retirem...
Being a smart car owner and safe driver will save you money
While owning a car is necessary for many people today, it has the potential to put a significant financial burden on drivers. With the increasing cost of gas, the need for insurance, and the financial...
Auto insurance protects you and other drivers on the the road
Many people just get the basic auto insurance coverage and ignore all the other benefits they can gain for just a little more cost each year. If you are going to be paying for coverage every month, ta...
Save money by bundling your renters and car insurance policies
The most important thing to remember is this: if you want to do business with just one company, they generally offer a discount for bundling your policies. Keep track of your credit score and be a sma...
Protect your vacation home with the right home insurance policy
As you can see, there are many minor details specific to insuring vacation homes that can be the difference between a claim being fully covered or denied. Please contact a qualified broker to discuss ...
Auto insurance claims can result in higher premiums and surcharges
Not every bit of damage to your car should result in a claim because it could easily cost you more in the long run with higher insurance premiums. Othertimes, it will save you money and get you back t...
When should you file a home insurance claim or pay out-of-pocket?
Being able to file a home insurance claim is the reason why people have insurance in the first place, but it’s always important to keep in mind that premiums can increase, surcharges exist, and an i...
Protect everything in your home and car with theft insurance
As you can see, there are many facets to theft insurance. A theft claim can leave a homeowner with a large out-of-pocket expense if their coverage is not proper for their specific needs. Please rememb...
Choose the right home insurance policy for your condo or co-op
As you can see, condos and co-ops involve some specific caveats that are atypical on the standard homeowner’s policy. Please follow this advice and make sure you contact an insurance professional to...
Homeowners: Factors to consider when purchasing home insurance
Some key points to remember: Go higher, not lower with your liability coverage. Make sure your home is insured for replacement—not market—value. To lower your premium, try raising your deductible....
Advice for college students getting their first car insurance
Research is the key, both in choosing an agent as well as a company that is compatible with your budget. Heed this advice to help you find the best and cheapest insurance as you make your way to colle...
Why everyone should have an umbrella insurance policy
Umbrella insurance is useful to have in so many different circumstances. Set up an appointment with your insurance agent to discuss what kind of coverage you need. No one can ever have too much liabil...
Buying insurance is a necessity you can't ignore
When you spend your valuable time researching insurance and navigating confusing policies, you want to be sure you’ve purchased the best for you and your family. An insurance agent will be invaluabl...

Buying Real Estate

Buying homes as short sales and foreclosures can be very rewarding
Buying a distressed property that is a short sale, foreclosure, or bank owned can be a good investment and an affordable way to own your own home, but it is “buyer beware”. You should protect you...
Guide to buying a co-op in NYC
There are many ins and outs to purchasing a co-op in New York City. While the process may seem a bit daunting at first, do not fear. Remember that the cooperative purchase is the norm in NYC, not the ...
How to find and buy a house on a river
Your river property will bring much excitement, inspiration and fun to your life. Relying on the expertise of a professional who specializes in waterfront property will make the process effortless and...
How to find and buy a lake house
Your lake house will be a source of relaxation, inspiration and fun. Relying on the expertise of a professional who specializes in lake property will make the process effortless and satisfying. This i...
How to find and buy a mini or hobby farm
Whether for a better way of life or out of necessity, your farm will become a significant part of your life. Relying on the expertise of a real estate professional specializing in farm property will m...
How to successfully buy multi-residential investment properties
In order to mitigate threats and capitalize on opportunities it is essential to have a well-grounded investment strategy. This includes the collaboration of complimentary disciplines and fastidious at...
Smart steps to successfully buy real estate in Baltimore, MD
Buying a home is an exciting endeavor, but the process can be tedious, time-consuming, exhausting, and an emotional rollercoaster for some. Working with a trusted professional can help ensure you have...
The right way to buy a home
Buying a home is a complex process requiring expertise from a number of professionals. By focusing on what you want in your home and allowing these professionals to do their jobs, you can achieve the ...
How to make the right offer on your dream home
There’s no need to get stressed out when you’re trying to figure out how much to offer on your dream house. Take the emotions out of the equation and instead focus on the data and the math. Workin...
Advice on buying land for investment, development or build a home
Whether your land will be used for recreation, development, investment or just a home, you’ll find many diverse parcels to choose from. Remember you can always change the way a house looks but you c...
Advice on buying a fly-fishing ranch in the Rockies
While there are many rivers and streams throughout the Rocky Mountain West, the supply of available fishing properties in any given price range is very limited. Obviously private water is the preferre...
Choose and buy a vacation home with confidence using a realtor
The key thing to remember is to seek out professional advice when considering purchasing a vacation home in another part of the country. Don’t underestimate the value and resource of a professional ...
Expert advice for the first time homebuyer on buying the dream house
When purchasing your first home together it is in your best interest to have a licensed real estate agent to help you. Their job is to give you advice, recommendations for the services of other profes...
Hire a qualified home inspector to help reduce risk when buying a home
Home inspections are a valuable tool for the homebuyer and should be a routine part of the homebuying process. However, don’t overstate what they are able to do.There is risk in buying something bui...
Buying a foreclosure can be a great investment if your informed
Purchasing a foreclosure can be a great investment whether you are purchasing one for your personal residence or as an income property, but a word to the wise, be patient with the process. New guideli...
Expert advice on buying a condo as a good investment
Owning a condominium is not for everyone, but it does fit the lifestyle of many people today. Whether you’re considering a condo or a home, you need to be sure that you know what it is that you are ...
Get the best deal by knowing what to offer when buying a home
Be smart, but not overly smart. You do not want to think yourself out of a great home while at the same time you want to understand your market and the data within it. In the end, you have one simple ...
Buying a home in a hot market and how to win a bidding war
Owning and living in your own home is the American Dream. But increasing mortgage rates along bidding wars on the purchase of a home is creating emotional and financial stress not seen since the real ...
How to build your dream home from the ground up
When building your dream home, the best advice is to be prepared for anything. There will be bumps along the way but as long as you address them in a timely and effective manner, the process should be...
How to win over the co-op board when buying a home in NYC
Just remember that accepting the co-op for what it is is vital to being accepted yourself. Being honest, patient, informed, and respectful demonstrates that you are the kind of neighbor and shareholde...
Advice on buying a townhouse and real estate in NYC
Buying a townhouse in New York City can be a rewarding experience, both emotionally and financially. Given today’s price points this opportunity is available to a select few. If you happen to be one...
Advice for first time home buyers on buying a co-op in NYC
Co-op ownership comes with its benefits and also with possible limitations. If you like a particular co-op and can handle the work it will take to get in, you have a great experience in store for you....
What to consider when buying a home as a fixer-upper
Buying a fixer-upper is not without its challenges. The most important tool for the job is preparation. With good planning, clear vision, and a reliable team to help guide you, your fixer-upper can be...
What price you can expect to pay for a single family home in NYC
There is a lot to consider when buying a single family home in New York City. Costs vary greatly and this market segment continues to become more valuable. So if you have the desire and the budget jum...
Advice for buying a home in NYC when you have a young family
When starting out as a family, your first home and the community you reside is where many family firsts will occur - your child’s first words, first steps, first day at school. So many memories and ...
Buy a home in downtown Manhattan to get access to the best views
If you want to be in the middle of it all, have access to some of the best views, best moderns homes, and best transportation, Downtown is where it’s at. Like with any other investment. however, be ...
You can buy a home in New York City with a $1 million budget
There is a reason why the real estate market in NYC is so competitive for the buyer. Historically, NYC has held it’s value and has weathered many a financial crisis to come back even stronger. $1 mi...
Investing in commercial real estate is a great opportunity for anyone
Whether you are buying one building to rent out or a whole plaza, commercial real estate can be a rewarding investment. Following the advice above can put you in the right place to make money on your ...
Use the internet and social media to help you find the perfect house
For the majority of buyers, a home represents their biggest lifetime purchase, so they should use every tool at their disposal to ensure they are getting the very best home at the optimal price. Consu...
Buying a home in an HOA neighborhood can be a great move
Living in an HOA neighborhood comes with certain rules and restrictions, but if you understand them, life will be better and easier for you and your neighbors. Do find ways to work with and improve yo...

Health Insurance

Manage your health savings account
When managing your HSA, you should always keep in mind the fine print. In particular, it is important to be aware of your deductible, your maximum out of pocket payment, and your annual contribution l...
Selecting disability income insurance
Income protection is important because your income is important. Your ability to earn an income is the basis for your standard of living, your financial goals and your retirement savings. Look at it t...
Why you need travel insurance for your trip
Good travel insurance coverage shouldn’t cost you a fortune. In fact, you should expect to budget no more than an additional 7 to 8 percent of the cost of y...
Purchasing travel medical insurance
Travel medical insurance is an integral part of your next international vacation. Make sure you go over plans carefully and ensure that you are getting the best deal and coverage for your specific tra...
Dealing with a family member's long-term care insurance
In reality, long-term care insurance policies are expensive but we can’t disregard the fact that they are very valuable. Getting one for yourself or for a loved one ensures that the beneficiary will...
Considering a Flexible Spending Account (FSA)?
FSAs or Flexible Spending Accounts offer a valid and easy vehicle to utilize pre-tax dollars and achieve significant tax savings for common eligible expenses. Given the wide array of eligible expenses...
No longer covered by your parents’ health insurance?
Since the late 1970’s, we have been conditioned that health care should be free or almost free. Consumer’s wanted low-co-pays and low premiums. With the advent of an amazing amount of medical adva...
Buy travel medical insurance for a safe study-abroad experience
As you can see, travel medical insurance is an integral part of your next trip to study abroad. Just as important as broadening your educational horizons, so to is making sure your health and wellness...
Best pet insurance policy to protect your cat or dog and budget
For many of us, dogs and cats are not just pets – they’re members of the family. While every parent wants to provide their pets with the best care possible, sometimes the high costs can force you ...
Long term care insurance ensures you're covered for medical costs
Following this suggested advice should give you a good idea of what the costs are and which long term care option works best for your particular situation. Every person has different needs, but it is ...
Know how to navigate the Affordable Care Act to get the best coverage
The ACA aims to transform the U.S. healthcare system, and has already expanded coverage of young adults, eliminated lifetime limits on what insurance will cover, lowered the cost of drugs for seniors ...
Recent college grads should understand their health care options
Young, health Americans make up a large percentage of America’s uninsured. In fact, 16 million young adults are uninsured in the U.S. Under the Affordable Care Act, 82% of them will qualify for fede...
Prepare for higher medical costs during senior and retirement years
Heathcare could bankrupt this country as it has millions of Americans. There is still no real assurance that you can avoid a catastrophe if something unexpected happens. But if you do the best to prep...
Plan ahead for Alzheimer's and obtain long-term health insurance
Alzheimer’s is a debilitating disease that is on the rise as the baby boomer generation reaches retirement age. It behooves Americans to prepare for this disease by making sure the proper insurance ...
Advice for women on getting long-term care insurance
Long-term care insurance is an important part of an overall financial plan, especially for women. By doing a bit of homework, you can be prepared and put a plan in place to cover any future long-term ...
Health and disability insurance can protect you when playing baseball
You may not think of disability insurance as a necessity for your career but disabling sports injuries seem to be happening with increasing frequency. The benefits from this insurance will keep you an...
How to get the right health insurance coverage for you and your family
Health insurance and the cost of medical care can be intimidating, but there are creative ways to save money within the system. To learn more about your health insurance options and what the health re...
Protect your family's financial security with the right insurance
Insurance has become an important part of life, as it should be. The likelihood of disability or a significant injury increases every year, not to mention disasters that can destroy your home in a spl...
Determine your need to buy a long-term care insurance policy
Not everyone needs a long-term care insurance policy but it always pays to be well informed. Get in touch with your insurance agent or a trusted expert to talk to you about your current insurance need...
Think ahead when purchasing a long-term care insurance policy
Many states offer a list of websites and companies you can go to with questions regarding a LTC insurance policy. By taking the time now to decide on your long-term care, the more stability and comfor...
How to apply and receive veteran's benefits and services
Many veterans are eligible for benefits and services as a result of their military service. Although the process can be frustrating, there are a lot of options that can help you work through it to rec...
How to mitigate and avoid the denial of a health insurance claim
When a health insurance claim is denied or delayed, it only adds to the existing problems for customers. That is why it is so important to know what your policy covers and the steps you can take to he...
Understand the financial benefits of voluntary insurance
If you were to become disabled or ill for a long time, hopefully you and your family would be taken care of. However, if you're uncertain of your financial situation, now is the time to cover that ris...
Advice to recent college graduates on buying necessary insurance
These are not the only insurance policies out there. Have someone guide you through which policies are the most important for you to have upon graduation and save the others for when you have the stab...

Home Improvement

How to choose a contractor for your home
Hiring a contractor who is someone you don’t know can be a very stressful situation. You can minimize this stress by having a definitive plan for your project and having a clear process on how you a...
Expert advice on painting the exterior of your home
Painting the exterior of your home can save you money and be a very rewarding experience, especially if it is done the right way. There is an overabundance of things to think about when doing a projec...
Save money, live green with these eco-friendly bathroom upgrades
Water conservation is an important green issue and eco-friendly plumbing solutions are generally a convenient, non-intrusive way to upgrade your home. After installation, the money that can be saved i...
Build a low maintenance and durable composite deck for your home
Low maintenance composite decking is a wonderful thing as it saves you time, money and backbreaking labor. Carefully assess how you will use your deck and thoroughly research your options and installa...
Regular maintenance of plumbing can save on costly repairs later
It might seem like a lot of work, but regular maintenance will always be better than a larger issue later. While it is impossible to avoid all plumbing issues, many are preventable with a little extra...
Expert advice on protecting your home from rats and rodents
If you make sure your home isn’t as welcoming to rats and mice as it is to you, they’ll be turning tail in no time....
Expert advice on preparing for a stress-free home renovation
By properly preparing for your home renovation, you can avoid stress, work with individuals with whom you are comfortable, and stick close to your budget. This will not only result in an enjoyable exp...
Advice on hiring an interior designer that reflects your lifestyle
There are many factors to consider when hiring an interior designer, from referrals to budget, from letter of agreement to in-home meetings/presentations. By using these important tips, you’ll be on...
Reduce weeds on your property to help create a healthy lawn
There are a lot of steps you can take, as well as some you should avoid, in order to properly control weeds and keep your property healthy and attractive. Know your enemy and contact a lawn care profe...
Prepare your lawn for winter and prevent snow mold
The most important thing to consider when preparing lawns for fall and winter is the element of time. As long as each task is completed at the proper time of year and as instructed, avoiding snow mold...
Advice on budget friendly renovations to create a beautiful home
With these tips, you can make smart, budget-friendly enhancements to your home without spending a fortune....
Eliminate the chance of mice and rodents entering your home
Rodents can transmit diseases such as food poisoning-pathogens when food or food surfaces are contaminated with infected rodent droppings or urine. Rodents can also cause significant amounts of damage...
How to prevent and remove an ant infestation in your home
Ants are the number one nuisance pest in America. They can be very effective at infesting homes, contaminating food and damaging structures if left untreated. Eliminating ways for ants to enter the ho...
Prevent cockroach infestation and protect your family's health
Follow these tips to prevent roaches from endangering your family’s health and home. Stay on the lookout for any signs of a cockroach infestation or any factors in your home that could draw them in....
Advice for growing and maintaining the perfect lawn
Keep your mower blades sharp and don’t mow too short. Also, remember to fertilize and properly water your lawn. By implementing the above steps, you can enjoy a healthy lawn all year round....
Improve your home's energy efficiency and save money
Making your home energy efficient can keep money in your pocket. It may also make you eligible for tax breaks. And because of this, energy efficient improvements are a highly sought after measure for ...
Advice for organizing your home, belongings and important documents
Organizing your home can seem like a vast undertaking but when you tackle the project a little at a time, it won’t seem as stressful. Make sure you put important documents in a safe place and all yo...
Advice on choosing the paint colors for the rooms in your home
Since room color makes a strong impact on its occupants, it’s important to do some research about appropriate color choices before choosing to paint. Consider your location when establishing an over...
Prevent and control ant infestations in and around your home
Ant infestations can be controlled with different strategies, including ant baits and contact killers. Strategies to prevent further infestations include sanitation and exclusion efforts. It is import...
Warm weather brings termites - How to prevent and stop an infestation
Termites can cause significant damage to your property. It is vital to proof your home against termite infestations and detect termites early. A pest professional can help homeowner’s offer treatmen...
How to detect and remove asbestos in your home or business
Asbestos is a carcinogen that can cause lung cancer, mesothelioma, asbestosis and other serious respiratory ailments. The most dangerous asbestos fibers are too small to be visible. Once inhaled, they...
Spring cleaning reduces dust and allergens and improves your health
Spring cleaning should not just be seen as a silly tradition. It should be something that everyone takes part in. Not only will living in a clean and organized environment make you more productive, th...
Growing a successful fruit garden requires planning and preparation
A well-planned fruit garden will enhance your home landscape and life. It will provide a beautiful, dual-purpose landscape for you to be proud of for years to come. Dig in and savor the “fruits of y...
How to start your first vegetable garden and grow your own vegetables
Growing your own vegetables can be a very satisfying and rewarding hobby. Building a garden requires some basic knowledge, none of which take a lot of time to master, and the rewards are many. Vegetab...
DIY advice for decluttering and spring cleaning your home
Through decluttering and a few easy updates, your home will be a delight to come home to and welcome in the new season. Put a little spring in your step and plan your vision today!...
Finishing a basement starts with preparation and careful planning
Taking these steps can transform your unused space into one of your favorite places in the house! The days of the cold, dark basement are over. Bring on the man caves, home gyms, kids’ playrooms, ho...
Choose the right location for a garden and plant seeds correctly
Planning a garden can be a daunting task. Start by using these quick and easy tips to get started....
Creating your first garden will take work and constant attention
Any garden or landscape is a living and constantly changing thing. It takes work and attention, but this is the challenge and excitement of the pursuit. It also creates opportunities for new ideas and...
What you should check before hiring a painter for your home
Hiring a painter to give your home the pick-me-up it needs doesn’t have to be another chore for your list. Asking good questions, doing thorough background research, offering detailed expectations o...
Remodel your kitchen to be functional, efficient, and stylish
The kitchen is the heart and soul of the home. Be sure to keep these tips in mind to affordably transform your kitchen into a multi-functional space for your whole family....
How to check references when hiring a contractor for your home
The best way to find the right painting contractor for your home projects is to check their references. Get a home address, phone number and email address, if possible. References that were satisfied ...
How to avoid home improvement and renovation scams
Warm days are ideal for tackling home update projects. Hiring outside help can be daunting, particularly when scammers are looking for easy marks. Knowing what to expect from workers coming and going ...

Home Mortgages

Guide for first time homebuyers on securing a mortgage
There has never been a better time to become a first time homebuyer. Housing prices have bottomed out and appear to be stabilizing. Most experts are predicting that we will see home prices begin to in...
How to get a mortgage to buy or refinance your home
Financial institutions have become more rigorous in their mortgage application process. The mortgage application and approval process can seem demanding an onerous. Reduce your stress by having patien...
Guide to obtaining a mortgage in the new lending world
Getting a mortgage is not the same as it was just a few years ago. The process is harder, more thorough and often longer. However, you are trying to obtain the American dream of owning a piece of eart...
Secure a mortgage and proper financing for your vacation property
Enjoying your new vacation home is a lot more fun than getting the financing. Make sure you are prepared to run the gauntlet: clean-up any inaccurate credit, put down as much down payment as possible,...
Successfully secure a loan for your home renovation project
A newly renovated home can be beautiful thing. Good planning on how you are going to finance the costs of these improvements and who will help you do this will make this journey much more pleasant. A ...
A reverse mortgage is a great way for homeowners to convert equity
A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...
Choose between a 5/1 ARM or 30 year fixed rate mortgage
A fixed-rate mortgage generally costs a bit more per month during the first few years of your mortgage, but you know what your payment will be for the term of your loan – for instance, if you are lo...
Which loan is best for you? A jumbo or conventional mortgage
Securing a loan when purchasing a home is just part of the process, and you need to know what options you have so that you can have the best interest rate and the lowest monthly mortgage payment possi...
Expert advice on buying or not buying points for a home mortgage
Just like most things in life, the answer to this question is nuanced and it starts with “it depends.” It depends on how long you’ll keep the loan, how much the point will cost you, and how long...
Expert advice on securing the best rate for your home mortgage
Shopping for a mortgage and mortgage rate can be a daunting process. Remember that buying a home and getting a mortgage is the biggest financial decision and investment that most of us will make in ou...
Rebuild your credit and secure a mortgage after a short sale
Selling your house as a short sale can be a very overwhelming task even 3 years after. But in order to make it less stressful, and not ruin your credit for a long period of time, there are definitely ...
Veterans should use the VA Loan Program when buying a house
If you’ve served in the military, the VA home loan guarantee program can provide great benefits that are unavailable to civilians and those using a conventional mortgage product. Get in touch with a...
Determine how much you can afford to borrow for a home mortgage
Determining how much you can afford to borrow combines the efforts of both the buyer and the lender. Borrowers must do their part to provide accurate and current information to their lender, but they ...
Advice for successfully securing a home mortgage when self employed
America’s economic vitality relies on the small business owner and the self-employed workforce. It’s unfortunate that these same individuals often face higher hurdles when obtaining mortgages for ...
How to successfully get a mortgage for your investment property
We have all seen or known individuals who have built their own rental real estate portfolios and complemented their other investment strategies nicely through ownership and management of real estate. ...
Learn when to lock your fixed rate loan to get the best rate
More than anything ask your friends, family, and coworkers who they recommend to help with mortgage financing. Interview several of them and listen to your gut instincts. Ask yourself, is this a solid...
How to get a mortgage for a home with less than 20% down payment
Choosing the mortgage structure that is best for you in the very common situation where less than a 20 percent down payment is requires an understanding of both your needs and the lender’s requireme...
X

Contact Charlie Schein

Message was successfully sent. There was an error sending the message.