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Inspect Your New Home…with a List!

It’s easier to keep track of the problems a home may have if you use a checklist during the walk through. Not only does this help you make notes of major issues, but also helps you purchase repair supplies. Stay on track during every conversation by using a checklist in each room of the house.

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Home Loans/ Mortgages

Comments Off on Ways to Get the Down Payment for a House

Ways to Get the Down Payment for a House

If you were going to list obstacles to getting a home, you’d have to put “getting the down payment” together as the first one. This is usually the biggest and first difficulty potential homebuyers have. Whether it’s a case of not saving up for long enough, or just having to live from paycheck to [...]
Comments Off on What Paperwork Do I Need For A Home Loan?

What Paperwork Do I Need For A Home Loan?

This is a question you might ask yourself when people say, “Make sure your financials are in order.” What does that mean and what do you have to get in order? When you’re getting ready to buy a house, you must understand that the bank is going to request a lot of information from [...]
Comments Off on Does Bad Credit Haunt Your Homeowner Dreams?

Does Bad Credit Haunt Your Homeowner Dreams?

Things happen—life doesn’t always go the way you planned. You may have worked really hard for several years to obtain a solid credit score only to have unplanned circumstances knock it back down. Just because you’ve had a string of bad luck though shouldn’t mean you can never buy a home. There are [...]
Comments Off on Ellie Mae Offers 2012 Mortgage Insight

Ellie Mae Offers 2012 Mortgage Insight

For quite some time now, economists, and self-proclaimed real estate and housing experts have drilled into our heads just how hard it is to earn the stamp of approval on a mortgage these days. Among the various reasons they typically give for this phenomenon, the one that makes the most sense, and is [...]
Comments Off on How Can I Make the Most of a Mortgage Calculator?

How Can I Make the Most of a Mortgage Calculator?

When you are trying to figure out what your real estate mortgage payments are going to be, you may wonder what the main factors are. Rather than guess or have to wait until you get actual documents from a loan officer, you can get some basic numbers right away. These are accessible through the [...]
Comments Off on Using a Mortgage Loan Calculator

Using a Mortgage Loan Calculator

Figuring out how much you’re going to spend on a real estate loan can save you a lot of time reviewing applications. Rather than try to figure out your budget afterward, you’ll already have the figures you need. In terms of choosing a house to buy, you’ll immediately know what you can afford. Choosing a [...]
Comments Off on Should You Shop Around for a Loan?

Should You Shop Around for a Loan?

When you’re ready to buy a house, the financial aspect is usually the largest obstacle. You may have a down payment saved up, but paying cash outright is not the normal procedure. Instead, home buyers apply for a loan, wait for their application to be approved and then find a house they love. When [...]
Comments Off on Avoiding Mortgage Fraud

Avoiding Mortgage Fraud

Even small white lies on your real estate loan application can be considered mortgage fraud. Mortgage fraud can be a big deal, with big consequences. If a mortgage lender discovers that any part of your loan application has been falsified, they can demand full repayment of the loan. But that’s not all, you [...]
Comments Off on How to bully your bank into rewriting your mortgage loan

How to bully your bank into rewriting your mortgage loan

Economists of all stripes, liberal and conservative, agree that the explosion of the housing bubble has had far-reaching consequences for every sector of the U.S. economy. The Great Recession really began as a housing crisis. Sub-prime lending with the backing of government sponsored organizations like Fannie Mae and Freddie Mac created a mountain [...]
Comments Off on The two best ways to take advantage of the real estate market

The two best ways to take advantage of the real estate market

When the real estate bubble burst in 2007, speculators and homeowners alike were left adrift in a sea of overvalued properties and bad debt. Credit ratings took a hit, mortgages went into delinquency and foreclosures spread like wildfire. There’s no question that a down housing market hurts homeowners that were over leveraged during [...]