Understanding Credit - Bill Salvatore, Realty Executives East Valley - 602-999-0952

Video: Improving Your Credit Score, How and Why

Can you improve your own credit score? The video below offers some advice if you choose to work with a credit counselor and some warnings, but you can actually repair your credit yourself in a few straightforward steps. Check your credit report on annualcreditreport.com. This is the only site authorized by federal law to provide… Read More

Calculator, pile of papers, taxes, deductions

12 Year-End Tax Tips Especially for 2017

12 Year-End Tax Tips Especially for 2017 Year end brings the craziness of holiday celebrations, the joy of family visits, the excitement of the coming new year, and looming quietly in the background… another approaching tax season. Are you a recent home buyer? Make sure you are well informed about the deductions and benefits available… Read More

Hand with pen writing on a mortgage application - Video: Reverse Mortgages

Video: Choosing the Right Lender Makes All the Difference

Video: Choosing the Right Lender Makes All the Difference I’m not sure how many people realize how critical it is to choose the right mortgage lender when you’re buying a home. Unfortunately, by the time you find out you’ve made the wrong choice it’s usually too late. As a Realtor, I learned very quickly which… Read More

top portion of settlement statement document - Settlement Statement, Closing Costs, Documents, Title Company, Mortgage - Bill Salvatore, Arizona Elite Properties 602-999-0952 - Arizona Real Estate

Mortgage Closing Costs 101

Mortgage Closing Costs 101. It goes without saying that buying a home is a major financial investment. It is advisable that you understand how much more goes into budgeting for a new home other than monthly mortgage payments. Closing costs are one of those budget entries.  Click to view “Who Pays for What?”. Closing costs… Read More

key attached to a house-shaped key chain - Renting vs buying, Buying a home after renting, rent to own, First Time Home Buyers - Bill Salvatore, Arizona Elite Properties 602-999-0952 - Arizona Real Estate

The Surprisingly Simple Evolution from Renting to Home Buying

The Surprisingly Simple Evolution from Renting to Home Buying. As a long-time tenant you might not expect that you could be comfortable with the home buying process. But in my experience folks who have rented for years are often the most conscientious and well-informed home buyers. After working with several long-time renters-turned-buyers recently, I’ve come… Read More

Desk top with credit report, money, calculator and pie-graph

And the Winner is… The Number 1 Influence on 2017’s Real Estate Market

And the Winner is… The Number 1 Influence on 2017’s Real Estate Market The facts of financing are undeniably influential but the nuances are really what shape the Real Estate Market. Mortgage interest rates rise and fall regularly, and though we’ve had several interest rate drops in recent weeks, all the news is about rising… Read More

Green arrows surrounding a home on a green background - green building, energy efficient, green home, eco friendly - Bill Salvatore, Arizona Elite Properties - 602-999-0952 - Arizona Real Estate

PACE For Energy Efficiency- the Good, the Bad and the Ugly

PACE For Energy Efficiency- the Good, the Bad and the Ugly. How is green construction and energy efficiency in the building industry like smog in LA? It hovers over and permeates every new construction project and is impossible to ignore. Most buyers of New Construction homes not only expect clean and green energy efficient features… Read More

Mortgage Financing and Subprime Mortgages - Bill Salvatore, Realty Executives East Valley - 602-999-0952

Your Life is an Open Book. So you’re thinking about getting a mortgage…

From: A heads-up for Home Buyers on www.yourValleyProperty.com Even before the actual application process begins, there are things that you can do, and personal, financial details that you’ll want to discuss with your lender. These will include assessing your credit score, work history, verifying cash available and reviewing tax returns. When you do finally formally… Read More

Selling Your Home

Getting a Mortgage? Know The Rules!

Earlier this year, the CFPB issued one of its regular bulletins, announcing a range of financial rules for financial institutions Just by knowing the rules, you can learn how to take care of yourself. Below are some of the highlights. Regulation Z Reins in Mortgage Originators This regulation “prohibits a loan originator from receiving compensation… Read More

Mortgage Financing and Subprime Mortgages - Bill Salvatore, Realty Executives East Valley - 602-999-0952

Not Your Daddy’s Home Selling Tips, #7 – Be The Bank

from ‘Not Your Daddy’s Home Selling Tips‘ on yourValleyProperty.com Be the Bank. Under very specific circumstances it may be in your best interest to consider acting as the mortgagee. This is commonly known as a carry-back. My best advice if you’re considering this would be to talk with a financial consultant and an attorney before… Read More