How to apply for a Mortgage

Selecting a mortgage lender. Pre-qualifying and getting pre-approved for a loan. Collecting information for the loan process. Cleaning up credit report problems. You found your dream home and you can’t wait to move, but then the butterflies start fluttering in your stomach: The dreaded mortgage loan process looms large. Don’t let bad news about the […]

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Types of Financing

Affordable programs for first-time buyers Different types of seller financing Subprime loans and negative amortization You can consider alternative types of home financing. Some of these carry higher interest rates, because the person or institution loaning you the money feels that there is a higher risk involved. Higher risk equals higher interest rates and terms […]

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ARM Mortgage

Opting for an Adjustable Rate Mortgage   Article: Adjustable-rate mortgages (ARMs) in today’s market. Knowing if an ARM is right for you. ARM pitfalls and other things to consider.   By now, you’ve heard plenty about the housing credit crises spurred by a high number of defaults on adjustable-rate mortgages (ARMs), notoriously known as subprime […]

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Mortgage Payment Calculator

Mortgage Payment Calculator

Free online mortgage payment calculator: Use this calculator to determine the total montly mortgage including: Principal & interest Mortgage insurance Property taxes Home insurance Utilities (Water, Gas, Internet, Electric) HOA (Association Payments). This tool allows the user to quickly determine the financial impact of changes in the variables of a mortgage financing contract. The major […]

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FHA Loans

FHA Loans

  How work the FHA loans programs? FHA Loan: Lenders will have to prepare because there is no “zero money” option for an FHA real estate loan. The downpayment is mandatory and corresponds to a minimum of 3.5%. It is essential to understand that the 3.5% is a totally separate expense. It is very important […]

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Property Taxes

Property Taxes

If you bought or will buy a house you should know that the properties must pay their taxes every year. What’s the property tax?  Property taxes is the oldest major revenue source for state and local governments. Beginning of the twentieth century, this one represented more than eighty percent of state and local tax revenue. Share has […]

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Steps to Buy a Property

Steps to Buy a Property

How to buy a property in 5 steps? 1- Contact a local Realtor2- Pre-qualification with a lender3- Communicate to your realtor the characteristics of what you are looking for4- Send an offer to the property owner5- The negotiations begin until the closing day   Compare the market with a Real Estate Agent Contact to Yani […]

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