So you want to be a homeowner: Tips for buying your first home

For most first time home buyers, and many repeat buyers, the process and documentation of a home purchase can be overwhelming.  This need not be the case.  A clear understanding of the process, the documents that will likely be needed and all the responsibilities of those people involved will reli ...
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Bi-Weekly Payments: Sounds good, but it is really to your advantage?

There has been a common practice that has gained acceptance over the past few years that pre-paying your mortgage is a good thing; and IT IS!  Your goal for financial independence should be to own your home outright as an asset.  Keep in mind that if you want to use that asset as a source of cash ...
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Where can I get a fair deal: the difference between Lenders and Brokers?

The world of home lending has changed dramatically.  In the 1950’s if you wanted a home loan you went to a bank, sat down with a branch representative, showed them proof that you had 20% or more down payment and signed up for a 15 or 20 year fixed ...
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Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ...
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What Do Appraisers Look For When Determining A Property's Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection. However, th ...
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