Homeowners insurance and property taxes are rising, which can increase monthly mortgage payments even when principal and interest stay the same. Learn what is driving higher costs, how insurance and tax changes affect escrow accounts and what homeowners can do to manage expenses, from reviewing bills and shopping for insurance to appealing assessments and finding repair assistance.
Help protect your home and prevent avoidable costs with five practical improvements: seal windows and doors, check cooling and airflow, clean gutters and downspouts, stop small water problems early, and repair safety issues around entryways, steps and railings. Some BlueHub SUN mortgages include a Capital Reserve Account that may help with certain repairs or unexpected housing costs.
Maintaining a safe and healthy home can require costly repairs. These organizations and programs may offer financial assistance to eligible homeowners in certain communities, including resources in Maryland, Pennsylvania and Massachusetts, as well as support for qualified military veterans. Availability, funding and eligibility requirements may vary.
A new BlueHub SUN survey finds that 88% of responding homeowners report improved financial wellbeing since closing their mortgage. Responses from nearly 70 clients across 11 states highlight how the SUN program helps families avoid foreclosure, stay in their homes, and regain financial stability.
Homeowners are increasingly targeted by scams related to mortgages, utilities, home repairs, taxes, and even AI impersonation. Knowing the warning signs—like urgent payment demands, upfront fees, or requests for personal information—can help you avoid fraud. Always verify requests through trusted sources and never rush financial decisions.
The 2025 One Big Beautiful Bill Act makes major tax changes affecting homeowners. The SALT deduction cap rises to $40,000 (2025–2029), mortgage interest limits stay at $750,000, and many home energy credits end after 2025. These updates may affect itemizing decisions and deductions. Homeowners should review carefully and seek professional tax advice.
Credit scores weigh heavily on a homeowner's ability to borrow money. This actionable guide provides a month-by-month strategy to improve your credit score steadily over time.
Climate change is reshaping the U.S. housing market, driving higher insurance costs, shifting migration patterns and increasing disaster impacts. Rising premiums, insurer retreat and growing hazard exposure are eroding property values—potentially up to $1.4T in 30 years—creating new risks for homeowners and requiring housing professionals to integrate climate-risk planning into their work.
The holidays bring joy but also financial strain for homeowners managing mortgages, utilities, and seasonal spending. With heating and property taxes rising, careful budgeting is key. Set spending caps, plan for higher utilities, and share costs when hosting. Smart planning helps you enjoy the season without jeopardizing financial stability or your home’s security.
BlueHub SUN, launched in 2009, helps families avoid foreclosure, reduce debt, and remain in their homes. SUN has saved over 1,000 families from eviction, cut mortgage amounts by an average of $90K, lowered monthly payments, and restored $67.5M in equity to the homeowners—earning recognition as a national model for stabilizing communities.
