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Recasting Your Mortgage

Recasting Your Mortgage

In this market, it is challenging to make a move if you must utilize the equity from the sale of your existing home for the down payment on a new home. Most Sellers will not accept an offer that is contingent on the successful closing of your existing property. But there is simple solution. Assuming you can qualify for both mortgage payments, and you have a 3 – 5% down payment for a conventional loan, you ...

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Credit Repair Companies

Credit Repair Companies

If you have had credit challenges in the past, beware of unscrupulous companies that promise they can solve all your problems. Far too many take advantage of you. They typically will charge you an upfront setup fee and then a monthly charge for as long as you remain a client. Most of them just take the “shotgun” approach and dispute every negative item on your report, every month. The credit reporting agency is then required to ...

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SO, YOU NEED A MORTGAGE

SO, YOU NEED A MORTGAGE

IS YOUR BANK THE BEST PLACE TO GO?

You’ve decided to make a move and buy a new home, what’s next? It may seem like a logical step to call your bank. They have your banking accounts and since the Bank has your financial information, the process will be easier. Unfortunately, this is rarely the case. In fact, it is typically a much more streamlined process to obtain a loan through a Mortgage Lender. Banks will have to collect all the ...

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Having Trouble Getting Your Offer Accepted?

Having Trouble Getting Your Offer Accepted?

It’s no secret, it is a competitive market out there if you are a buyer. Whether you are purchasing a home and have the cash on hand for the down payment or you need to sell your existing home first to use the equity from that property for the down payment on the new home, there are challenges. The key to success is preparation. We have gone out of our way to create tools for you ...

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Three Critical Ways to Protect Your Family

Three Critical Ways to Protect Your Family

Do you have a Will? Certainly not a subject I ever relished discussing…and it appears a lot of people feel the same since somewhere between 55 and 65% of Americans do not have one. If you are in that percentage, I urge you to look into it for yourself. My wife and I were fortunate to have friends who stressed the importance of having one, so after we were married we had a living trust prepared. ...

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Have pets?? Top Tips for Selling Your Home

Have pets?? Top Tips for Selling Your Home

Do you have pets as part of your family? When you put your home up for sale you need to be prepared that not everyone feels the same about having pets. Your home is staged so that the potential buyers can “see” themselves living in your home and often that doesn’t include pets. Scheduling a deep cleaning for your home to remove any pet odor is a necessity prior to listing. Here are some things to ...

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Choosing a Neighborhood: 6 Things to Consider

Choosing a Neighborhood:  6 Things to Consider

For many homebuyers, choosing a neighborhood is more important than choosing a house when shopping for a place to live. You can repair, remodel, or renovate a house but there are many things about a neighborhood you can’t change. What should a buyer look for in a neighborhood? This list may change based on your interests, but there are many neighborhood factors that can add value to your home. Remember, it is all about “Location, location, ...

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What if I Wait?: Buying a Home Next Year…

What if I Wait?:  Buying a Home Next Year…

According to the recent Home Price Index Report by CoreLogic, home prices have increased nationally by 6.7% year-over-year. During that same period, interest rates have stayed at near historic lows. This has allowed many buyers to enter the marketplace.

If you are selling your home, your concern is likely to be the short-term price (which is where the values are heading over the next few months). If you are positioned to be a ...

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Why to Sell This Spring: 5 Reasons

Why to Sell This Spring:  5 Reasons

Traditional wisdom indicates that certain times of the year are better than others for selling your home. Historically, Spring is one of those times. Below are 5 reasons for why selling during Spring makes sense.

1. Strong Demand
According to the March 2018 Buyer Traffic Report (National Association of Realtors), buyer demand has remained strong throughout most of the country since May of 2016. This indicates that buyers are ready, willing, and able to purchase and are ...

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Spring is a Great Time to Buy a Home!!

Spring is a Great Time to Buy a Home!!

Here are four reasons why Spring is a great time to buy a home.

Rising Prices

According to CoreLogic’s latest Home Price Index report, home prices have appreciated by 6.6% over the last 12 months and prices will continue to rise over the next year (approximately 4.3%). If you are waiting for the bottom of the market with regards to home values, waiting no longer makes sense; The bottom has come and gone.

Increasing Interest Rates

Freddie Mac’s Primary Mortgage ...

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