What Is A Credit Score? When lenders evaluate a loan application, a process called underwriting, they evaluate your ability and willingness to repay the loan by reviewing the income and stability of past earnings. This practice helps the lender to determine if the borrower can afford the loan payments. The review of past credit history is… Read More
Before you even think about investing in Real Estate, you need to know that you shouldn’t start shopping for a home without first setting aside a little cash. from ‘A Heads-up For Home Buyers’ 11 Things you might not have though about. This is an Investment, Treat it That Way. Consider carefully, your up-front costs…. Read More
It’s wise to be thinking about your closing costs long before you get involved in a Real Estate transaction. It’s part of your agent’s job to review the HUD1 (a complete accounting of all closing costs) and determine if everything is explained and charges are correct before you sign and close. Of course there are… Read More
Home selling is all about the numbers, but this is hardly a game. Believe it or not I’m not going to harass you about price, not today anyways. The actual numbers in the price of your home matter. In the past, setting a price to end in a 9 was considered a strategic maneuver. Why?… Read More
Typically, every few years American homeowners have the value of their property assessed by local government. The property tax you pay is based on the local tax rate, which you have no control over (except at the voting booth!), and the assessed market value of your home, which you can appeal and thus potentially lower… Read More
How Can I Help You? Don’t let anyone tell you that selling your home is confusing, complex or exhausting. If that’s the case then your agent isn’t doing their job. This isn’t my first rodeo, it’s what I do every day. For me it’s all par-for-the course. Below is a list of some of the… Read More
And I always answer, absolutely! Pre-qualification or Pre-approval is the clout behind your offer. Your Realtor will have much more power in negotiating for you when your contract is accompanied by proof of your capability to purchase. In addition, pre-qualification saves time, yours and mine. With pre-approval your lender will delve into credit, employment and… Read More
Before you even begin, remove the words “overwhelming”, “complicated”, “exhausting”, “disappointing”, from your vocabulary. I do not believe in scare tactics and none of these things should be allowed to effect your home search. Having said that, owning a little nervousness is not only natural but probably a very healthy approach to a significant investment.There… Read More
Is this true? Your credit score factors in to your car insurance rates, more than your driving record or driving habits? Seriously? Watch this news report. ~Bill a report by By Lindsey Reiser CBS5AZ CBS 5 – KPHO
Buying Real Estate may not always make sense, but in 2015 the reasons for buying a home rather than renting, are multiplying fast, even faster than rental rates. Lots of people rent a place to live because they think they can’t buy. Maybe a financial event (for example bankruptcy, foreclosure, short sale) has dinged their… Read More
