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Recent Articles

May
01
2014
Is It a Condo or a Townhouse?
If you’re a first time homebuyer, chances are that you could be unclear regarding how a condo and a townhouse differ.  You could be surprised to learn that the difference between a condo and a townhouse refers to the home’s legal ownership.  Let’s delve...
Apr
24
2014
Choosing a 15 or 30 Year Mortgage
The most common time period for people to have a mortgage is 30 years.  However, how do you know if a 15-year mortgage is better suited for you?  Let’s delve into some of the positive aspects of a 15-year mortgage: you’ll build up home equity quickly and...
Apr
24
2014
How Much Does Premium Mortgage Insurance (PMI) Cost?
If you’re buying a home in 2014 and have less than a 20% down payment, you might be wondering how much you’ll have to pay for PMI.  The cost of private mortgage insurance is very much based on the loan type you are using: Conventional Loans In general,...
Apr
18
2014
Best Times to Buy, Sell and List a Home
If you're in the home market or are selling your home, you might be interested to know the best times to buy, sell and list a home. These principles are tentative, but generally hold true on a regular year.   Of course, we encourage prospective buyers to make the purchase...
Apr
18
2014
Top Benefits of a Home Inpection
If you've found the perfect home, you just want to move in as soon as possible. Before you do that, though, you need to do one other thing: get a home inspection. We cannot stress it ennough - performing a home inspection is entirely necessary, despite how "in shape" you...
Apr
18
2014
5 Common Mortgage Misnomers and Misconceptions
Sometimes, it's hard to know exactly what a lender is referring to because so many mortgage terms sound similar. However, these terms usually mean drastically different things within the mortgage industry, and many are not related to each other in a technical sense.  Here,...
Apr
10
2014
Conventional Loan FAQ
A conventional loan is any type of mortgage loan that isn’t guaranteed by the federal government. When you have a conventional loan, it’s either conforming or non-conforming. A conforming conventional loan follows the guidelines as set forth by Fannie...
Apr
10
2014
Pre-Qualification Versus Pre-Approval
There are two forms of proof you can obtain from your lender that show real estate agents and sellers that you’re financially prepared to buy a home. Learn the differences between each so you can make a solid decision as to what’s going to add to your buying power...
Apr
10
2014
Repairing Credit After Bankruptcy
If you’ve gone through a bankruptcy, you know that it represents a complete turning point in your life. You’ll likely be extremely conscious of how much money you spend in your daily life and how it affects all the other aspects of your life. If you want to repair...
Apr
07
2014
Documents Needed for Mortgage Loan Approval
Underwriters are following more stringent terms than ever, and so lenders will require many documents from you in order to evaluate your mortgage qualification. But lenders also want your business, so while collecting the following may be tedious, help your mortgage company...
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