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Why use a realtor

Use a Realtor

For most people, buying a home is the largest financial investment they will ever make. It is the one time you can say you went shopping and spent a quarter of a million dollars (or more). So shouldn’t you work with a REALTOR® to get the best advice possible for that investment? REALTORS® Facilitate the Process A REALTOR®…

When to PreQualify

mortgage pre-qualification

For many home buyers, pre-qualification is the first step to buying a house. But you shouldn’t put your feet up after the first step and expect everything to just fall into place: There’s plenty more to be done. Here’s a straightforward guide for going from pre-qualified buyer to homeowner the smart way. Step 1: Pre-Qualification The pre-qualification process is quick and free.…

Types of Loans

  Adjustable Rate Mortgage Adjustable Rate Mortgages (ARMs) have an interest rate that is adjustable at certain intervals based on a specific index during the life of loan. Balloon Payment Loan A fixed rate loan that is amortized over a specified number of years but becomes due and payable at the end of an earlier…

Home Warranties

Benefits of Home Warranty Coverage to the Seller   Home may sell faster and at a higher price Optional coverage during the listing period of the home sale Protection from legal disputes that occur after the sale Increase the marketability of your home Benefits of Home Warranty Coverage to the Buyer Warranty coverage for major…

Loan Process

Pre-Qualification/Interview The borrower meets with a lender who, through the course of the interview, gathers pertinent information and identifies and additional documentation that will be needed by the lender to obtain loan approval. Verification The lender will obtain all documents required, including but not limited to, credit report, appraisal on property, verification of employments, mortgage…

What is an Escrow Payment?

An Escrow Payment is the portion of your monthly mortgage payment that goes to your escrow account.  Your escrow account that your lender uses to pay your monthly homeowner’s hazard/fire insurance and your home property taxes.  If you do not have an escrow account set up with your mortgage you will be responsible for making…