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					<h1 style="text-align: center;">THE HOME FRONT</h1>
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					<h1 style="text-align: center;">THE HOME FRONT</h1>
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				<span class="et_pb_image_wrap "><img src="https://alcova.com/wp-content/uploads/2018/12/understanding-the-mortgage-process.jpg" alt="Woman looking through clothes in her closet" /></span>
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					<h2 style="text-align: left;"><strong>FEATURED ARTICLE</strong></h2>
<h3 style="text-align: left;"><strong>Understanding the Mortgage Process</strong></h3>
<p>Buying a house is one of the biggest purchases you will ever make, and it’s no surprise for buyers to feel stressed about the process. Feel more empowered and in-the-know before your next home buying journey by walking through each phase of the mortgage process!</p>
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					<p><strong><a href="/understanding-the-mortgage-process/">READ MORE</a></strong></p>
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					<p style="text-align: center;"><strong><a href="/category/alcova-news/">ALCOVA NEWS</a>       <a href="/category/first-time-home-buyer/">FIRST-TIME HOME BUYER</a>       <a href="/category/home-loan-basics/">HOME LOAN BASICS</a>       <a href="/category/love-your-home/">LOVE YOUR HOME </a>      <a href="/category/market-updates/">MARKET UPDATES</a>       <a href="/category/moving-tips/">MOVING TIPS</a></strong></p>
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					<p style="text-align: center;"><strong><a href="/category/alcova-news/">ALCOVA NEWS</a></strong></p>
<p style="text-align: center;"><strong><a href="/category/first-time-home-buyer/">FIRST-TIME HOME BUYER</a></strong></p>
<p style="text-align: center;"><strong><a href="/category/home-loan-basics/">HOME LOAN BASICS</a></strong></p>
<p style="text-align: center;"><strong><a href="/category/love-your-home/">LOVE YOUR HOME</a></strong></p>
<p style="text-align: center;"><strong><a href="/category/market-updates/">MARKET UPDATES</a></strong></p>
<p style="text-align: center;"><strong><a href="/category/moving-tips/">MOVING TIPS</a></strong></p>
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				<span class="et_pb_image_wrap has-box-shadow-overlay"><div class="box-shadow-overlay"></div><img src="https://alcova.com/wp-content/uploads/2019/10/4-down-payment-myths-you-should-stop-believing.jpg" alt="Bill Barns" /></span>
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					<p><a href="/4-down-payment-myths-you-should-stop-believing/">4 Down Payment Myths You Should Stop Believing</a></p>
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					<p>One of the biggest hurdles aspiring home buyers face is saving enough for a down payment, but you may be closer than you think. In a study conducted by NerdWallet, 44% of respondents said a lack of a down payment was the roadblock keeping them from buying a home. Let’s set the record straight and separate fact from fiction on some common down payment myths!  <a href="/4-down-payment-myths-you-should-stop-believing/">Read More</a></p>
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					<p><strong>October 12, 2021</strong></p>
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				<span class="et_pb_image_wrap has-box-shadow-overlay"><div class="box-shadow-overlay"></div><img src="https://alcova.com/wp-content/uploads/2021/10/cost-of-waiting.png" alt="Bill Barns" /></span>
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					<p><a href="/waiting-to-buy-a-home-could-cost-you-big/">Waiting to Buy a Home Could Cost You BIG $$</a></p>
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					<p>Waiting for just the right time to buy a home can be tricky. Should you save more money? Should you wait for house prices to fall? Should you wait for interest rates to go even lower? On the blog today, we discuss the financial benefits of buying now rather than waiting.  <a href="/waiting-to-buy-a-home-could-cost-you-big/">Read More</a></p>
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					<p><strong>October 5, 2021</strong></p>
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				<span class="et_pb_image_wrap has-box-shadow-overlay"><div class="box-shadow-overlay"></div><img src="https://alcova.com/wp-content/uploads/2019/10/5-benefits-to-buying-a-home-this-fall.jpg" alt="Bill Barns" /></span>
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					<p><a href="/5-benefits-to-buying-a-home-in-the-fall/">5 Benefits to Buying a Home in the Fall</a></p>
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					<p>Although the spring and summer months are known to be the most popular time to buy a house, fall is emerging as the new ideal season to buy a home. Here are five reasons why fall can be a great time to buy!  <a href="/5-benefits-to-buying-a-home-in-the-fall/">Read More</a></p>
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					<p><strong>September 28, 2021</strong></p>
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				<span class="et_pb_image_wrap has-box-shadow-overlay"><div class="box-shadow-overlay"></div><img src="https://alcova.com/wp-content/uploads/2021/09/new-fannie-mae-credit-score-rule-scaled.jpg" alt="Bill Barns" /></span>
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					<p><a href="/how-fannie-maes-new-credit-score-affects-you/">How Fannie Mae’s New Credit Score Affects You</a></p>
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					<p>Fannie Mae recently announced a major shift with a new credit score rule that will make it easier for co-borrowers from dual-income households to be eligible to buy or refinance their home. Here is a breakdown of the new change and how it can impact your dream of owning a home!  <a href="/how-fannie-maes-new-credit-score-affects-you/">Read More</a></p>
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					<p><strong>September 21, 2021</strong></p>
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				<span class="et_pb_image_wrap has-box-shadow-overlay"><div class="box-shadow-overlay"></div><img src="https://alcova.com/wp-content/uploads/2021/09/prepare-home-for-fall.jpg" alt="Bill Barns" /></span>
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					<p><a href="/5-ways-to-prepare-your-home-for-fall/">5 Ways to Prepare Your Home for Fall</a></p>
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					<p>Shorter days, cooler nights, and warm colors all signal the arrival of fall! Now’s the perfect time to finish up any last-minute maintenance projects and get your home and yard ready for the autumn season.  <a href="/5-ways-to-prepare-your-home-for-fall/">Read More</a></p>
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					<p><strong>September 14, 2021</strong></p>
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					<p><a href="/shop-home-loans/">Shop Loans</a></p>
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			</div> <!-- .et_pb_text --><div class="et_pb_module et_pb_text et_pb_text_27 et_hover_enabled et_pb_bg_layout_light  et_pb_text_align_left">
				
				
				<div class="et_pb_text_inner">
					<p><a href="/calculators/">Calculators</a></p>
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			</div> <!-- .et_pb_text --><div class="et_pb_module et_pb_text et_pb_text_28 et_hover_enabled et_pb_bg_layout_light  et_pb_text_align_left">
				
				
				<div class="et_pb_text_inner">
					<p><a href="/home-buyer-tools/">Home Buyer Tools</a></p>
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			</div> <!-- .et_pb_column --><div class="et_pb_column et_pb_column_1_4 et_pb_column_31    et_pb_css_mix_blend_mode_passthrough">
				
				
				<div class="et_pb_module et_pb_text et_pb_text_29 et_pb_bg_layout_light  et_pb_text_align_left">
				
				
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					<h3>GET TO KNOW US</h3>
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					<p><a href="/our-story/">Our Story</a></p>
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					<p><a href="/alcova-cares/">ALCOVA Cares</a></p>
				</div>
			</div> <!-- .et_pb_text --><div class="et_pb_module et_pb_text et_pb_text_32 et_hover_enabled et_pb_bg_layout_light  et_pb_text_align_left">
				
				
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					<p><a href="/employment/">Employment</a></p>
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					<p><a href="/payments/">Make a Payment</a></p>
				</div>
			</div> <!-- .et_pb_text --><div class="et_pb_module et_pb_text et_pb_text_34 et_hover_enabled et_pb_bg_layout_light  et_pb_text_align_left">
				
				
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					<p><a href="/our-story/"></a><a href="/contact-us/">Contact Us</a></p>
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			</div> <!-- .et_pb_column -->
				
				
			</div> <!-- .et_pb_row --><div class="et_pb_row et_pb_row_18">
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				<div class="et_pb_module et_pb_image et_pb_image_7 et_always_center_on_mobile">
				
				
				<a href="https://www.facebook.com/alcovamortgage/"><span class="et_pb_image_wrap "><img src="https://alcova.com/wp-content/uploads/2020/10/Facebook.png" alt="Facebook" /></span></a>
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				<div class="et_pb_module et_pb_image et_pb_image_8 et_always_center_on_mobile">
				
				
				<a href="https://twitter.com/alcovamortgage/"><span class="et_pb_image_wrap "><img src="https://alcova.com/wp-content/uploads/2020/10/Twitter.png" alt="Twitter" /></span></a>
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				<a href="https://www.google.com/maps/place/ALCOVA+Mortgage+%7C+Corporate+Office/@37.2708309,-79.9410037,17z/data=!3m1!4b1!4m5!3m4!1s0x0:0xcd7a1f031d0c5d31!8m2!3d37.2708309!4d-79.938815"><span class="et_pb_image_wrap "><img src="https://alcova.com/wp-content/uploads/2020/10/GooglePlus.png" alt="GooglePlus" /></span></a>
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				<a href="https://youtube.com/GoAlcova/"><span class="et_pb_image_wrap "><img src="https://alcova.com/wp-content/uploads/2020/10/Youtube.png" alt="Youtube" /></span></a>
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				<a href="https://linkedin.com/company/alcova-mortgage/"><span class="et_pb_image_wrap "><img src="https://alcova.com/wp-content/uploads/2020/10/Linkedin.png" alt="Linkedin" /></span></a>
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					<div class="footer-hover-fix"><a href="/assumptions/">Assumptions</a>  <a href="/licenses/">Licenses </a> <a href="/privacy-policy/">Privacy Policy</a></div>
<p>&nbsp;</p>
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					<p> </p>
<p style="text-align: right;"><img class="alignright size-full wp-image-180" src="https://alcova.com/wp-content/uploads/2019/01/Equal-housing-lender.png" alt="Equal Housing Lender Logo" width="42" height="100" />ALCOVA Mortgage LLC | NMLS#40508 | (www.nmlsconsumeraccess.org)<br />Licensed in AL, CO, FL, GA, KY, MD, NC, OH, PA, SC, TN, TX, VA, WV | 308 Market St SE, Roanoke, VA 24011</p>
<p> </p>
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                class='et_pb_social_media_follow_network_name'
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			</ul> <!-- .et_pb_counters -->
			</div> <!-- .et_pb_column -->
				
				
			</div> <!-- .et_pb_row --><div class="et_pb_row et_pb_row_22">
				<div class="et_pb_column et_pb_column_1_2 et_pb_column_44    et_pb_css_mix_blend_mode_passthrough">
				
				
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					<div class="footer-hover-fix"><a href="/assumptions/">Assumptions</a>  <a href="/licenses/">Licenses </a> <a href="/privacy-policy/">Privacy Policy</a></div>
<p>&nbsp;</p>
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				<div class="et_pb_module et_pb_text et_pb_text_38 et_pb_bg_layout_light  et_pb_text_align_left">
				
				
				<div class="et_pb_text_inner">
					<p> </p>
<p style="text-align: right;"><img class="alignright size-full wp-image-180" src="https://alcova.com/wp-content/uploads/2019/01/Equal-housing-lender.png" alt="Equal Housing Lender Logo" width="42" height="100" />ALCOVA Mortgage LLC | NMLS#40508 | (www.nmlsconsumeraccess.org)<br />Licensed in AL, CO, FL, GA, KY, MD, NC, OH, PA, SC, TN, TX, VA, WV | 308 Market St SE, Roanoke, VA 24011</p>
<p> </p>
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				$(this).attr('aria-labelledby', 'et_pb_tab_control_' + e);
			});

			/**
			 * Set initial inactive tab panels to aria-hidden="false".
			 *
			 * @divi-module  Tab
			 */
			$('.et_pb_tab.et_pb_active_content').each(function () {
				$(this).attr('aria-hidden', 'false');
			});

			/**
			 * Set initial inactive tab panels to aria-hidden="true".
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			 * @divi-module  Tab
			 */
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				$(this).attr('aria-hidden', 'true');
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			/**
			 * Add unique ID to tab module.
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			 *
			 * @divi-module  Search
			 */
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				$(this).attr('data-da11y-id', 'et_pb_search_module_' + e);
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			/**
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			 *
			 * @divi-module  Contact Form
			 */
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				$(this).attr('aria-required', 'true');
			});

			/**
			 * Hide hidden error field on contact form.
			 *
			 * @divi-module  Contact Form
			 */
			$('.et_pb_contactform_validate_field').attr('type', 'hidden');

			/**
			 * Add alert role to error or success contact form message
			 *
			 * @divi-module  Contact Form
			 */
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			/**
			 * Add aria-label="x".
			 *
			 * @divi-module  Fullwidth header, comment-wrap
			 */
			$('.et_pb_fullwidth_header').each(function (e) {
				$(this).attr('aria-label', 'Wide Header' + e);
			});
			$('#comment-wrap').attr('aria-label', 'Comments');
		});
	})(jQuery);
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