It’s so nice to have online shopping at our fingertips and to be able to kick up our feet, grab our phone, tablet, or computer and browse hundreds of stores for our Holiday shopping needs, all from the comfort of home. While perusing stores in your digital space on Black Friday, it’s a good idea to have a solid plan to get the most out of your virtual spending spree. Check out these 5 smart tips to save the day.

Plus, learn how you can start saving for your Holiday spending now with an FHA Streamline Loan.*

5 Smart Shopping-From-Home Tips:

	What To Buy For efficient shopping, it’s a good idea to know what you’re looking for before you start the digital journey. Grab all of those Black Friday emails and Holiday flyers that fill your mailbox, and ask those that you are shopping for to mark their favorite items with stickers or markers so they stand out, and you can add them to your list.
	Shop Early Take advantage of the Black Friday sales and get your carts filled early. This will help to ensure your gifts are delivered on-time, giving you the ultimate pleasure of making smiling faces a joy to see during the Holidays.
	Reduce Shipping Fees A great smart hack is to purchase your items from as few retailers as possible to keep your delivery charges down. Nothing dulls the thrill more than overspending on shipping.
	Read The Reviews If you’re not familiar with the company you are buying from or the product you are purchasing, it’s essential to read reviews. You’ll feel confident in knowing the merchant is in good standing and that you are getting a gift that meets up to the sale.
	Stay Safe Unfortunately, there can be a lot of darkness on the web. Keep your Holidays happy and running smoothly by keeping a close eye on your banking activity, only making purchases with secure wi-fi, and use a credit card instead of a debit card when buying online.

Looking for savings to help with your holiday spending? Refinance Your FHA Loan with an FHA Streamline Refinance Loan through a simple process that saves you time and money while lowering your monthly payments.*

5 Money-Saving Tips For The Holidays:

	Lower Your Interest Rate Reduce your monthly mortgage payment for real savings that add up over time.*
	Less Paperwork With documentation from your existing FHA loan, you can save time during the loan process.
	No Lender Fees There is no charge for origination, so more money stays in your wallet.*
	Easier Process Typically no appraisal needed, simplifying your life while getting a better home loan.
	Faster Closings Start saving sooner with better loan terms.*

If you are interested in learning more about how an FHA Streamline loan can benefit you, just give us a call at 855.424.0836 or visit FHA Streamline Loan.

We’ll work at your pace—we deliver loans at the speed of you!

*By refinancing, your total finance charge could be higher over the life of the loan.