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Q: I’m ready to buy a new home and I’d rather not wait until spring. What do I need to know about buying a house during the winter?  

Within any mortgage situation, both the lender and the borrower want to ensure that the amount being borrowed lines up with the property value and expected expenses. A third party known as an appraiser is vital to this process, carrying out what’s known as an appraisal for any mortgage situation.

The United States has one of the lowest minimum wages of any modern country in the world. Our modest salary floor impacts our economy on every level, from the rising underemployment rates to a bloated welfare program that chiefly rests on the backs of the struggling middle class.