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Home Purchase Basics: Down Payments and Closing Costs
When you make a down payment on a home it has a significant effect on most aspects of home purchase. Your real estate deposit is more important than you likely believe. Here are some factors that...
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Mortgage Down Payment: Importance of a Deposit on a Home
If you are only able to make a small mortgage down payment on the home you wish to buy, then that will affect the type of loan available to you. In fact, a small deposit on a home will also limit the...
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Cash or Mortgage: Is a Mortgage Better than Buying Outright
Cash or mortgage: which is best? Is a mortgage better than buying your home outright? On the face of it there is no question. Surely paying cash for your home, meaning buying it outright, beats taking...
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Balloon Mortgages – What is a Balloon Loan?
Balloon mortgages involve the payment of a lump sum to clear the outstanding mortgage loan after a specific period of time. A common form of balloon loan in the auto industry is to borrow a certain sum...
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Mortgage Escrow: Mortgage Impound and Escrow Accounts
Mortgage escrow / impound accounts are a means of paying future large payments in advance, with smaller monthly payments. Mortgage impound or escrow accounts may be a requirement placed upon you by...
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Amortization Periods: Short or Long Term Mortgage?
Amortization periods have a profound effect on your mortgage repayment figures. Here we discuss the difference between a short and long term mortgage. Once the down payment has been deducted from the...
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FHA Streamline Refinance Basics
FHA Streamline Refinances are a very convenient way for those with an FHA mortgage to refinance a home. In fact, it is a very rapid and straightforward method of refinancing real estate – but only if...
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Happy Memorial Day Weekend!
From Our Family to Yours: Happy Memorial Day Memorial Day is a federal holiday observed annually in the United States on the last Monday of May. Formerly known as Decoration Day, it originated after...
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Home Staging Tips: Make Your Entrance More Appealing
These home staging tips are intended to help you to make a good impression on potential buyers when they first enter your home. Home staging is a very important aspect of selling your property. In...
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Who Should Apply for FHA loans and VA Mortgages?
Who should apply for FHA loans rather than take regular home loans, and are veterans better with FHA or VA mortgages? Let’s first look at why people apply for FHA mortgages, and then discuss the FHA...
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Qualifying For a Mortgage: Mortgage Qualification Factors
Most find qualifying for a mortgage easy, though there are mortgage qualification factors that can trip some people up. It is best to understand what these factors are, so that you can take steps to...
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Real Estate Purchase: Dissecting the Process of Buying a Home
Real estate purchase can be daunting to a first-time buyer, and even those fairly experienced in house purchase can find the process of buying a home a bit scary. Let’s examine the main steps involved...
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Renting a Home and Avoiding Bad Landlords
Renting a home can enable young couples to save for a deposit to buy their own property, but avoiding bad landlords can be difficult. Even if you read the small print, such as the landlord who refused...
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Financing Building a House: How to Finance Building a Home
Financing building a house is slightly different to getting a regular mortgage. There are several ways how to finance building a home, depending on whether or not you also have an existing property to...
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Benefits of Investing in Solar Panels
Why install solar panels? Is it really as worthwhile as people claim, and is there a genuine return on investment involved? Naturally, your geographic area is important. This is not only related to the...
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Find a Mortgage or Find a Property: Which First?
Should you find a mortgage or find a property first? This question is more important for first time buyers, because they have not been through the process before and are likely unsure of the procedures...
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Home Staging: How Much to Spend on Staging a Home for Sale
Home staging need not be expensive. It is not possible to say how much you should spend on staging a home for sale, because that depends on your property and its condition. However, here are some...
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Improving Your Credit Score: How to Improve your FICO Score
Improving your credit score is important if you are seeking a mortgage. If your FICO score is below 700, you could do with improving it to make sure you are offered the best interest rates. You can get...
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Improving Your Credit Score: How to Improve your FICO Score
Improving your credit score is important if you are seeking a mortgage. If your FICO score is below 700, you could do with improving it to make sure you are offered the best interest rates. You can get...
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Mortgage Refinance and Modification: What’s the Difference?
What is the difference between mortgage refinance and modification? Fundamentally, mortgage refinancing involves changing the terms of your mortgage to something more suitable for you. In effect, you...
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