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Buyers Agent Tips in a Low Inventory Market 5 mistakes to avoid when making an offer
Buyers Agent Mortgages Pre-Qual vs Pre-Approval Good Decision for a Second Opinion 7/2020 You’ve done your homework, contacted a mortgage company and believe you are pre-approved.  That part of the process is finished and you can concentrate of finding a home and moving…or can you? Pre-qualified and pre-approved are two different things but some people, including some in the business, use the […]
Buyers Agent FHA Streamline Loan FHA Streamline Refinance
Buying Mortgage Affordability Here is how it works. Housing Affordability Index
Buyers Agent Shopping for a Mortgage Shopping for a Mortgage A lower rate will not only result in a lower payment, it will amortize the loan quicker.  A $250,000 mortgage at 4.5% for 30 years will have a $1,266.71 principal and interest payment.  At 4%, the same loan will have $1,193.54 payment saving $73.18 a month and the unpaid balance would be $1,776 […]
Buying What Buyers Can Do While on Quarantine What Buyers Can Do While Staying at Home While you’re isolating at home, there are things you can do to help buy a home now or in the near future.  Instead of spending time surfing the Internet looking at homes, do the groundwork necessary to be able to purchase the home that you find. There is […]
Buyers Agent Am I Prepared to Buy? The 4 C’s of Qualifying Qualifying for a mortgage can be explained with 4 C’s.  Capital indicates the borrower has the necessary funds for the down payment and closing costs without exhausting their savings.  Capacity shows that the borrower has the ability from income to pay back the loan.  Credit history reveals the borrowers FICO score, which is […]
Buying What’s Included in the Sale? What goes with the house? 2/4/2020 Sometimes, there can be confusion on what goes with the house and what goes with the seller when they move.  Generally speaking, the house is the land and buildings and any fixed or attached property. Permanently installed and built-in items are considered real property.  Some things are obvious such as built-in […]