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Which down payment strategy is right for you?

You have most likely heard the rule: save for a 20% down payment before you buy a home. The logic behind saving 20% is solid, as it shows that you have the financial discipline and stability to save for a long term goal. It also helps you get favorable rates from lenders. There can actually […]

Difference Between Short Sale and Foreclosure

As unfortunate as it can be when homeowners fall behind on mortgage payments and must face the possibility of losing their homes, short sales and foreclosures provide them options for moving on financially. The terms are often used interchangeably, but they’re actually quite different, with varying timelines and financial impact on the homeowner. A short […]

Why hire a listing agent?

It is a natural feeling to focus on maximizing the greatest profit when it comes to listing your home for sale. Some people run into the conflict of not wanting to pay a commission to a listing agent, and that selling a home yourself may seem like an easy tactic. I can promise you that […]

What is a CMA?

A CMA is a comparative market analysis. This is an analysis of active, and recently sold home similar to yours with a region. It is important to know that a CMA is NOT an appraisal. The value assigned to a home in a CMA is subjective and based upon what a realtor believes he/she can […]

PITI?

Have you been looking at homes on the market and have come across the acronym PITI? What does this mean? P stands for principal, I stands for interest, T stands for taxes, and I stands for insurance. Understanding this acronym is vital to the importance on the house you are able to comfortably afford. (P) […]

How do I buy a home?

To anyone who is considering buying a home, the first simple step you must take is to get prequalified by either a referral from your realtor you choose or a lender of choice. Pre qualification by a lender will give a ballpark of the amount of mortgage you can afford each month. Your income, debt, […]

Selling Your First Home? Avoid These Common Mistakes.

If you are selling your first home you will want to keep in mind a few things to make it an easier, less stressful, and more profitable experience. Always, always, always hire a knowledgeable real estate professional to help in this process. I cannot stress this enough. When selling your home you never want to […]

When Do I Get My Keys?

When Do I Get My Keys?

After signing wait until your realtor gets the email from title company saying we are “on record “! This happens after funding. And no exceptions. Keys are not to be released until that happens! We can not release keys before because the home technically still belongs to the seller and there is to much liability. […]