La Cap Blog


Check out our blog articles below!

understanding down payments and PMI for home purchasing
September 10, 2019

Purchasing a Home: Understanding Down Payments and PMI

If you’re considering purchasing a home, you’re likely beginning to realize you need a good chunk of change to do so. The standard amount for a home’s down payment is generally 20% of your home’s purchase value—and that’s not considering the additional closing fees you’ll also have to pay. Here are a few upsides and downsides to consider.

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establishing a financial baseline for emergency savings
August 12, 2019

Savings Stability: Establishing a Financial Baseline

How much money do you need to survive financially if something happens? Do you know? If you don’t, you’re not alone. Learning how to save—and how much you really need to save—is key to financial stability and a money management essential, especially for young adults just getting their footing in a shaky economy.

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finding the right mortgage to purchase your next home
August 07, 2019

Finding the Right Loan: Mortgages, Penalties and Perks

When preparing to purchase a new home—maybe even your first home—it’s important to understand the different types of mortgage loans available to you. Each type has its own stipulations, and not all of them may apply to your financial situation.

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smart financial practices for young adults
July 15, 2019

10 Smart Financial Practices for Every Young Adult

In the adult world, there’s no bargaining with a pay stub, and costly mistakes can be difficult to reverse. However, if you start cultivating your resources now, you’ll be able to build wealth and control your financial destiny. Explore these 10 financial practices that every young adult should do to manage their money properly to get started.

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renting versus owning a home blog photo
July 10, 2019

Renting vs. Owning a Home

A general rule of thumb is that, if you intend to stay in your property for at least five to seven years, the costs of purchasing the home are more likely to be offset by accrued equity and increased housing value. With that being said, there are several factors that can make or break renting and purchasing a home. If you are on the fence, here are a few important factors to consider.

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