Lenders are a dime a dozen. Making a Lender selection can be a bit daunting. You want someone who will understand your needs as a buyer and present you with the best loan product. Being able to sit in front of someone and have face-to-face contact is a huge advantage. It’s hard to con someone […]
Often talked about but not acted on is the odor-free potentially hazardous, invisible Radon gas. This cancer-causing radioactive harmful gas is often discovered during home inspections and a surprised to both seller and buyer. Radon seeps into your home through floor cracks, construction joints, wall cracks, suspended floor gaps, openings around water pipes, cavities inside […]
When buying a home, we all have to factor into our escrow or monthly payments the extra amount that goes to the insurance company. Most of us probably won’t use the policy while we are living in our homes but we can’t take the chance that we could pay out of pocket for such a […]
Whether you are a new home buyer or an experienced one, you don’t often buy the first home you view. Time is spent looking for the perfect home. Well why not apply that mentality to shopping for your mortgage. Don’t accept the first offer just because it is from your current bank. You may know […]
Current statistics put about 12.5 percent of the population over the age of 65. With a good amount of these “empty nesters” they might not need all the space of a larger home. Making a case for downsizing to a smaller home. With downsizing, you are saving money and maybe clearing out life’s unnecessary clutter. […]
As consumers, we are always looking for the latest deal. We are often lured by the zero percent financing gimmicks thrown out there by car salesman and retail stores. At zero percent, it doesn’t cost you anything to use their money. But mortgage rates do not offer zero percent. With the average 30-year mortgage rate […]
Wanting a home of your own is the dream of almost every grown up. A place to feel secure and safe, a place to raise your family. But do the tax benefits help reduce your tax liability? Here are some guidelines to help you make that decision. If you are a taxpayer and have owned […]
So you just moved into a new neighborhood and everyone around is a stranger. Having good neighbors is a matter of doing good deeds and reciprocating when you can. Trusting people to pick up your mail or water your plants when you are out of town is trust that needs to be built upon. Most […]
Most homeowners pay an increased monthly mortgage payment because they are adding money into their escrow accounts. By doing this, you expect that your lender will pay them on time, in the year they are due. Once paid, you can then deduct them from your taxes. The IRS stipulates that deductions can only be taken […]
Fixed rate mortgages are low once again. Now is a good time to buy. But what if you already own a home. Could refinancing be right for you? Could an adjustable rate loan be right? Here are some factors that would influence your decision. How long are you going to stay in your home? Which […]
