Rookie Real Estate Mistakes
May 01, 2019  |  

If you want to jump into the housing market with a little more credibility – read up on the mistakes you should avoid.  The more you know….right? Basing your home price on the max amount you qualify for. You really need to like your mortgage payment as much as you love the house.  Otherwise, you […]

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Appraisals
April 23, 2019  |  

An appraisal is key component in the home buying process, especially if you are using a mortgage.   Those paying cash for a home have the option to waive an appraisal, but many still get one.  So what is an appraisal and what purpose does it serve for loan approval?  An appraisal is designed to determine […]

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The Escrow Process
April 23, 2019  |  

Around here, we try to do as much of the mortgage process as we can before you find the perfect home.   My goal is to qualify buyers completely, narrow down loan programs and finalize down payment strategy…all before they make an offer on a home.  So once you’ve done all of your mortgage homework and […]

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Wire Fraud – How to Protect Yourself from a Major Scam
April 19, 2019  |  

As technology advances, it’s become more and more integrated in the mortgage process.  At this point you can obtain financing entirely online and via email communication – which is great for convenience, but unfortunately it’s opened the door for wire fraud in a very scary way. In the real estate industry, wire fraud has jumped […]

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Is FHA the lowest down payment option?
April 09, 2019  |  

Qualifying for 3% down on a Conventional Loan… Many people still assume that FHA is the lowest down payment option when it comes to buying a home.  However in 2014, both Fannie Mae and Freddie Mac released conventional loan programs allowing for a 97% loan-to-value…meaning 3% down on primary residence purchases.  FHA requires a minimum […]

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Congratulations, you closed on your new home purchase!
March 19, 2019  |  

What’s next on your path to financial success?!  You can’t stop here.  After settling in and allowing a few months for the moving expenses to subside and your budget to settle into this new flow – there are a few more building blocks for you to add to your financial foundation. Emergency Savings Ideally, you […]

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The Pre-PreApproval Process
March 19, 2019  |  

Usually my first point of contact with buyers is when they are ready to jump into the housing market and therefore need a pre-approval sorted out.  They need to find out how much they can afford in terms of a house price, how much they need to have saved up for their down payment and […]

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Automation vs. Human Interaction – Which one is really more convenient?
March 18, 2019  |  

That’s actually a trick question, it should be “Which one is more convenient for the client?”  Let’s consider the mortgage experience (what did you think we were going to talk about?).  Would you prefer to do everything online or through an app on your phone, without ever being bothered to talk with anyone? Or, would […]

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When it comes to financing – the sooner you know, the better.
March 05, 2019  |  

It’s always interesting to me when I hear the things people are nervous about, heading into a pre-approval meeting.  By now, especially if you’ve followed any of my previous content, you know that the best thing to do when you start considering buying is to meet with your lender.  I’ve found over the past few […]

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When the mood strikes – to buy a home – who do you call first?
February 26, 2019  |  

If you were headed out to buy a car today, you would likely have a budget in mind.  Impulse shopping aside – usually when we are looking to make a purchase, we know our limits.  Even clothing shopping – we have our go to stores, sections and sales.  There are certain stores we save for […]

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