Blog

March 22, 2019

What’s Behind a Name?

A Leprechaun, March 17th and the Luck ‘O the Irish had little to do with the naming of Shamrock Home Loans. Here’s the real story.
February 11, 2019
Executive Vice President Bruce Weltin shows his assistant something on the computer.

Core Values: the Answer to a “Who” Question.

Every organization is committed to getting the “right people on the bus”. It’s the first chapter in Business for Dummies. But how do we know we have the right people on the bus? Put them there and see? Ask them? Try different bus stops in the morning? No, no and…
January 2, 2019

Why Are You Asking for That Again? – an Open Letter to My Frustrated Buyer

Picture this: it’s 2006, you can’t get You’re Beautiful by James Blunt out of your head, you’re heartbroken that Jessica Simpson just filed for divorce from Nick Lachey, and your friend is telling you about some new social networking service called “Twitter”. Your new neighbor moves in across the street…
December 14, 2018

The Greatest Communication Tool You’re Not Using

Fire your voice mail message. Today! I’m pretty sure most of the human population thinks the rest of the human population has the IQ of a sparrow. And I can prove it. Just call someone (anyone!) and get their voice mail.  What you’ll hear is a prerecorded message that assumes…
December 3, 2018

The Home Buying Statistic You Shouldn’t Ignore

Should I buy a home NOW or wait until 2009? (OK, that’s a joke, 2009 is like so last decade) As anyone with a landlord will tell you, buying a home is a soundtrack always playing in the back of your mind. (When your rent goes up it starts to…
November 19, 2018

The Phrase You Need to Ban

The president of Shamrock Financial is a guy named Rod Correia. Rod’s known for quite a few interesting things in his life: he was a major league baseball player, (three-hit game against Randy Johnson, played in the game where Cal Ripken broke Lou Gehrig’s consecutive game streak) he’s a husband,…
November 12, 2018

How I Won on Election Day

I’ve yet to receive one congratulatory phone call, text or email since I won on Election Night. This doesn’t surprise me or even leave me disappointed. No, not one bit. You see, I wasn’t actually on the ballot. Still, I won. In fact, I won in a landslide, it wasn’t…
November 8, 2018

Lisa Larkin: South Shore Realtors’ 2018 Affiliate of the Year

PROVIDENCE, R.I. – Nov. 5, 2018 – PRLog — Shamrock Financial Corporation is pleased to announce that Lisa Larkin has been named the 2018 Affiliate of the Year by the South Shore Realtors. Based in Massachusetts, South Shore Realtors is a trade organization that offers support, education, lobbying, and adherence to standards for its members.…
October 31, 2018

A Lesson from Chris Sale

BY: Dean Harrington In the 7th inning of game four of the World Series, baseball’s best offensive team found itself starved for runs. The vaunted Red Sox attack had scored a mere three runs in its previous 25 innings, managing just a single hit in the first 6 innings of…
October 29, 2018
A woman and her infant does a load of laundry

Does the FHA Require Appliances in a Property for Their Mortgages?

Getting an FHA-backed Mortgage When you buy a property, chances are you need a mortgage. After all, who has that much cash laying around for such a large financial transaction? And in many cases, to buy that house, your mortgage may need to be backed by the Federal Housing Administration…
January 11, 2018
Multiple offers on a house bid

Why Multiple Offers on a House Shouldn’t Stop You

As a first-time home buyer, the process can seem a little daunting unless you have a top-notch real estate agent who understands and is experienced in all aspects of the endeavor. Let’s say you find that perfect home. It ticks off all (or at least most) of the must-haves you…
December 7, 2017
successful real estate agent

Characteristics of a Successful Real Estate Agent

When it comes to buying and selling homes, you will meet up with a whole cast of characters. Think mortgage lenders like Shamrock Financial, home inspectors, the sellers, legal reps. And you cannot forget about the successful real estate agent! This person is the connection between you and the house…
November 1, 2017
Secrets first time buyer

Secrets of a First Time Buyer

Take a deep breath – you’re buying your first home. Maybe you can no longer handle your noisy neighbors. Perhaps you have simmering desire for your own space at last. Whatever your reason, finally deciding to buy your first home can be exciting – and daunting! Haven’t you heard the…
October 24, 2017

The Northeast- Where Your Future Awaits

Moving to the Northeast? Consider This… Sometimes, you gotta move – and that can mean to a new city! Whether it is for work, love, or a searing need for change, finding the right area can be a tough decision. Do you want the sunny days of the west, the…
August 17, 2017

Homeownership Made Easy with Rhode Island Housing

Buying a Home Gets Even Easier with Rhode Island Housing! Buying a home these days is no easy feat. In addition to the price of the home itself – which can be extremely high – you can’t forget about legal fees, appraisal expenses, closing costs, and moving expenses. And given…
August 10, 2017
homes for sale in ri

Homes for Sale in RI – What Not to Do

It’s Time to Buy Your home. It’s not just a place to rest your weary feet, but it can also be a great investment. But if you don’t play your cards right, you could be in trouble. So, when it comes to buying a home, there’s the right way to…
July 6, 2017
how to get a home loan

Getting That Home Loan in Five Easy Steps

How to Get a Home Loan Unless you just won the lottery or inherited money from a long-lost relative, to buy your first home, you will need to get a home loan. Definition: Your mortgage is a loan that a mortgage lender gives to you to buy a home. That…
June 29, 2017
how long is a pre-approval good for

Mortgage Pre-approvals: They Don’t Last Forever

When it comes time to buy a home, you need to get your ducks in a row. That means doing several things. Having your down payment ready, knowing what you want in your home, and finding the right real estate agent. And don’t forget about that pre-approval! But how long…
June 6, 2017
best mortgage lenders

Shamrock Financial – One of the Best Mortgage Lenders

Choosing One of the Best Mortgage Lenders If you have ever bought a home or are in the process of doing so, you know that you have a lot of boxes to check on your task list. You need to save up for that down payment, find the right real…
May 18, 2017

Buying a Home: Five Questions to Ask Yourself

Exciting, nerve-wracking, stressful, and wonderful – buying a home is all of those, and more. Borrowing thousands of dollars to buy a place to live, to create a home sweet home, is not something you should take lightly. It is a financial transaction that can have long-lasting effects, both good and…
May 9, 2017
student loan debt

Student Loan Debt and Home Ownership? It is Possible!

Drop the Burden of Student Loan Debt Getting an education is one way to help you land a satisfying career, but the problem with getting that education is the associated student debt. And there can be a lot of it. So much so that your amount of debt can prevent…
May 2, 2017

What Your Credit Score Range Says About You

A Primer on Your Credit Score When you apply for a loan – mortgage, car, or credit card – the lender will want to take a peek at your financial information, and that includes your credit score. This magical number indicates the likelihood that you will be able to pay…
April 25, 2017

Pre-approval – What You Need to Know

Are You Pre-approved? There are many parts in the process of buying a home: saving for a down payment, searching for homes, and negotiating the offer. But there is a crucial part that you should not ignore, and that is getting pre-approved. What does being pre-approved actually mean? It means…
April 20, 2017
making an offer on a house

Making an Offer on a House: The Unasked Questions

Buying a home can be an overwhelming task, but making an offer on a house is exciting! It takes time to arrange your documentation, get pre-approved, and even find the time to start looking! So when you do find the right house in the right location at the right price,…
April 18, 2017

A Complete Guide to Home Inspection

Your Ultimate Guide to Home Inspections When you want to buy a new TV or smartphone, you may look through flyers, research various options, and ask for recommendations to make sure you get the best value for your money. So why wouldn’t you do that with a home? To avoid…
July 12, 2016

Answering Should I Refinance My Mortgage?

Should I Refinance My Mortgage? Refinancing your mortgage is the process of paying off your existing mortgage and replacing it with a new one. Home owners refinance their mortgages for a number of reasons. If you have asked yourself, Should I refinance my mortgage?”, you may have come up with…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
June 3, 2016

USDA Refinancing Changes-June 2016

If you are looking to purchase or refinance a home, the Rural Housing Service of the United States Department of Agriculture (USDA) is making changes to their mortgage requirements to help home affordability become even easier. The USDA offers a variety of programs for low and moderate income Americans to…
February 17, 2016

What is an Appraisal?

What is an Appraisal? An appraisal is the unbiased opinion of a home’s value by a certified professional. Appraisals are most frequently used in the buying, selling,  and refinancing transactions of a property to help determine whether the offer price of a property is on par considering the condition, features,…
January 7, 2016

FAQ: Are Closing Costs Tax Deductible?

The Benefits of Home Ownership Whether it is the luxury of space or the beauty of privacy, there are many intangible benefits of owning a home. But home ownership has its financial benefits as well. In addition to reducing your cost of living expenses when you are older, you also…
June 25, 2013
rate lock

What is a Mortgage Rate Lock and Why Should I Care About It?

For most people, part of the home buying process includes obtaining a mortgage. And that means researching prospective mortgage lenders to find the one that offers you the best deal. This can include the best interest rate, the right mortgage amount, and lower up-front charges, among other aspects. Once you have found the…
December 4, 2012
nmls consumer

Is Your Loan Officer Licensed? Your Guide to NMLS Consumer Access

When you are interested in selling or purchasing a home, you try to do all of your homework – prepare your house or view listings, find your target price range, know what you can afford. Part of doing your homework, especially when requiring a loan, as most will need, is…
June 5, 2012

Trying to Lower Your RI Mortgage? 5 Things to Consider Now

December 6, 2016

What’s the Deal with Chattel Property?

The Art of Negotiation In real estate, most everything is negotiable – to an extent. If you have ever bought or sold a home, then you now that sentiment certainly applies to the price of the home. Regardless if you are a buyer or seller, you want to get the…
July 5, 2016

Up, Up, & Away! Using Drones for Real Estate

As the saying goes, a picture is worth a thousand words. When it comes to selling homes, having professional-grade pictures in your listings can be the springboard you need to achieve a sale. But with advances in photography and technology, the standard picture of each room is no longer enough.…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
March 10, 2016

Tackle Real Estate Marketing and Sales with Our New eBook

Do you know what it takes to become a successful real estate agent?  Do you have the know-how, the experience, and the knowledge that will put you heads above the rest? Do you need real estate marketing ideas? If you feel that you are getting bogged down in details that…
December 10, 2015

Is a Homeowners Association Property Right for You?

Introduction Houses, townhomes, condos – there are many different types of dwellings where you can choose to live. But you cannot choose your neighbors. You could end up with great neighbors, or you could live beside those who make loud noises all night, cannot control their dog, or are oblivious…
September 22, 2015

How a Core Values List Can Help You Succeed

What are Core Values? At the base of every person or business is their core values. These are the fundamental principles and beliefs that guide their words, actions, and behavior. Not only do these values shape their relationships – both professional and personal – but identifies to everyone the meaning…
December 19, 2014

Upcoming Change to VA Loan Limits

The veterans who have fought valiantly for the United States deserve to be recognized for their dedication, effort, and patriotism. As such, certain policies and programs have been put in place to thank the veterans for their contributions. One such program addresses the loan requirements when purchasing a home, known…
December 10, 2014

How to Create Compelling New England Real Estate Listings

What is the secret to selling a home quickly and at the right price? It is not so much a secret, but rather a series of steps where each is both well planned and executed. But before you negotiate an offer, before you advertise an open house, before the house…
November 12, 2014

How Drone Photography is Changing Marketing in the Real Estate Landscape

Say the word drone, and what ideas come to mind? If you’re like many people, you think of the military, and that’s with good reason. Also known as an Unmanned Aerial Vehicle (UAV), a drone is a remote-controlled object used by the military, but can also be used in other…
October 28, 2014

Succeeding in the New Era of Real Estate

Years ago, for a real estate agent to be successful, he or she needed to show as many houses as possible to as many people as possible in the hopes that a match could be made and the property would close. Real estate agents held the key to a happy…
October 21, 2014

Six Interesting Housewarming Gift Ideas

When invited to someone’s house for a get together, it is customary for guests to bring a small hostess gift as a sign of appreciation and thanks. When the reason for the gathering is a specific celebration, then you might bring something a little larger. If you are celebrating a…
October 16, 2014

Buying a Condo: Is it Right for You?

If you are looking to enter the housing market but are daunted by the higher prices, the need to maintain your property, or the potentially long commute, then have you considered buying a condo instead? While you do get to own a place of your own and it can be…
October 15, 2014

Making an Offer on a House in a Seller’s Market

Every seller wants to get the highest price for their home, and each buyer wants to pay the most affordable price for property. But in a seller’s market where the number of homes for sale is low while the pool of buyers is large, a buyer can find themselves constantly…
October 7, 2014

Using MLS Listings to Speed Up Your Home Search

Do you know how long it takes to buy a home? On average, it is about 12 weeks. Depending on where you live and the state of the real estate market, that time may be shorter – or a lot longer. Like anyone hoping to buy a home, the less…
October 2, 2014

Setting the Home Stage for Success

When it is time to sell your home, you will probably spend a great deal of time cleaning the inside, making repairs where needed, and upgrading a few strategic areas. But to give your home the edge over others out there, have you considered staging your home? Staging is more…
December 20, 2017
Facebook Market Real Estate

The Facebook Market: How it’s Changing Real Estate

The Evolving Face of Social Media You may or may not be a fan, but there’s little doubt that you haven’t heard about it: Facebook. This is the social media platform where you can tell people what you are thinking, show pictures of your latest vacation, and “like” whatever your…
January 27, 2017

How Can I Raise My Credit Score? (INFOGRAPHIC)

Because there is no quick way to fix your credit score, rebuilding your credit will take time, patience, and discipline. But it can be done. When you ask yourself, “How can I raise my credit score?, remember these easy tips: Pay all your bills and debts on time. Set up…
November 21, 2016

Thanksgiving Recipes You’ll Love!

Thanksgiving is not only about giving thanks for the blessings you have been given this year, but also about gathering around the table and enjoying a delicious meal with loved ones. Our Shamrock family has a few Thanksgiving recipes that we want to share with you with the hope that…
September 15, 2016

How To Tell If You Have a Good Credit Score

It is a common refrain – if you have a good credit score, the better off you will be financially. It is easy to understand why. Your credit score is used to help determine if you can get a car loan, a mortgage, and in some cases, a job. The…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
March 23, 2016

Protect My ID: About Identity Theft

What is Identity Theft? We have all heard of the term: identity theft. It is a crime where a person gains key pieces of personal or financial information, such as a driver’s license, credit card number, or Social Security number. The intent is to pretend to be that person to…
February 17, 2016

What is an Appraisal?

What is an Appraisal? An appraisal is the unbiased opinion of a home’s value by a certified professional. Appraisals are most frequently used in the buying, selling,  and refinancing transactions of a property to help determine whether the offer price of a property is on par considering the condition, features,…
October 20, 2015

Happy Homes: Fall Home Maintenance Tasks

But which fall home maintenance tasks should you do? Below is a list of some tasks that you should complete: Test and replace batteries in smoke and carbon monoxide detectors: A simple home maintenance task that is easy to complete: checking that your smoke and carbon monoxide detectors are working…
October 6, 2015

Home Appraisals 101

What is an Appraisal? Whether you are buying a home or selling your existing one, there are a number of questions you need to ask yourself, and one of them is this: is the asking price an accurate one? Simply because you have been pre-approved for a mortgage, or that…
September 15, 2015

The ABCs of Baby Proofing Your Home

When you have a sweet little newborn, you want to do everything to keep them snugly and safe. But don’t wait until they start crawling to baby proof your home. Even before they crawl, they can reach, grasp, and pull themselves up, which can lead to safety issues. Baby proofing…
September 3, 2015

Credit Report Tactics for Resolving a TransUnion Dispute

When applying for a car loan, credit card, or mortgage, lenders all take a good, hard look at many aspects of your financial life, and that includes your credit report. This document contains many personal details, such as your name, date of birth, addresses, places of employment, and your social…
July 21, 2015

The Skinny on the Best Personal Finance and Budget Apps

Introduction Do you buy a coffee every day? What about a muffin to go with it? Go out for lunch a few times a week? Maybe see a movie on the weekend? All of these little purchases – as well as your larger expenses – can quickly take a toll…
July 16, 2015

Top Dollar: Ways to Increase Your Home Value Before Selling

Introduction Once you decide to put your home on the market, you have a number of decisions to make: what items will you include in the sale, how long of a closing would you like, and most importantly, what is your asking price. Before you decide on a price, you…
July 14, 2015

The Worst Advice You Have Ever Heard About Title Insurance

Purchasing a home is an expensive endeavor. In addition to the actual purchase price, you need to save up for the down payment, pay for legal fees, home owner’s insurance, moving expenses, home inspection costs, just to name a few. Another one you may add to your list is title…
June 16, 2015

Clutter Invasion? Simple Steps to Declutter Your Home

The thought of living a simpler life with fewer possessions may sound like a dream. There are also many benefits of owning fewer things: less to organize, less to clean, and in the end, more time to do what you really want to do. However, stuff does not accumulate overnight.…
Please wait...

Subscribe to our bi-weekly Blog

Want to be notified we publish a blog? Complete this form to be the first to know.