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While buying your first house is an exciting time and a big milestone, it’s important to keep in mind that there are some actions to avoid during the buying process. Here are some common but avoidable mistakes that first-time homebuyers sometimes make. Skipping the Prequalified Process When you decide to take the big step towards … Continue reading 4 Common First-Time Homebuyer Mistakes


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Traditionally, we think of the homeowner path as upsizing. When we are young, we buy a small starter home to fit our needs and income. Later, our needs change as our family unit grows, and we move into a larger home to fit our needs. There are times in our lives, however, when smaller spaces … Continue reading Knowing When to Downsize


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For many people, buying a home is typically the largest and most significant single purchase they will make in their lifetime. When preparing to buy a home, it is important to understand what is affordable and how to prepare for this purchase in the form of a down payment. Know How Much You Need A … Continue reading Saving for a Down Payment


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If you’ve applied for a mortgage loan before – or even if you haven’t – you need to be familiar with something you may have never heard of: your debt-to-income ratio. How do I know you’ve probably never heard of it? According to Fannie Mae’s Economic & Strategic Research Group, over half of consumers aren’t … Continue reading What’s a Debt-to-Income Ratio and Why’s it so Important?


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When you’re shopping for a home and preparing for a meeting with a mortgage lender, there are five important items to be aware of. Knowing them will make your borrowing experience smooth and painless. 1) Be Prepared. It’s not just a Boy Scout motto, it’s a great suggestion. When you meet with a prospective mortgage … Continue reading The Mortgage Lending Process: Five Things to Remember


So, You’re Shopping for a Home… Shop for a REALTOR® First!

Buying a home can be exciting. But it can also be an odd mixture of fear, anxiety, second-guessing and anticipation because it means a new chapter in your life. Choosing the right real estate agent may be the smartest thing you can do before you begin your search. Everybody knows somebody in the real estate … Continue reading So, You’re Shopping for a Home… Shop for a REALTOR® First!


50 Common Mortgage and Real Estate Terms You Should Know

Real estate professionals, mortgage lenders and lawyers often speak a different language, it seems, when they’re working with clients. The following glossary of some of the most widely used terms will help you understand what they say, what they mean and how it may impact your home search or mortgage loan application. Abstract of Title … Continue reading 50 Common Mortgage and Real Estate Terms You Should Know


Mermaids, Monsters, $0 Money Down Mortgages and Other Mythical Creatures

Shopping for the most affordable mortgage? If you are, perhaps you’ve come across newspaper or magazine ads promising “Zero money down” mortgages. Though intriguing, tempting and worthy of investigation, they may also be downright misleading — intentionally. Read the fine print. If the advertisements hide fees or don’t fully disclose the terms of the offer, … Continue reading Mermaids, Monsters, $0 Money Down Mortgages and Other Mythical Creatures


Real Estate Appraisals…Some Points To Consider

As some home sellers have discovered the hard way, listing their home at an unrealistic price pretty much guarantees a longer stay on the market. In an effort to obtain top dollar for the sale of their home, many properties “for sale by owner” are very often priced too high. As a result, there seems … Continue reading Real Estate Appraisals…Some Points To Consider


The Lucrative Business of Identity Theft

The most recent statistics provided by the Bureau of Justice confirm that identity theft in the United States accounted for losses of nearly $25 million in 2012. Nearly 13 million victims suffered either a direct or indirect loss as a result of identity theft. All other burglary, motor vehicle theft, and petty theft combined only … Continue reading The Lucrative Business of Identity Theft


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