Married couples who buy a home together often go into the housing search with a common set of expectations: that they’ll own the home together. But the reality is that owning a home together may not be the best choice for all couples. There are questions of inheritance and tax implications that you should consider when you’re deciding how to own a home as a married couple. Questions of … [Read more...]
How to find your dream home?
The Internet is a valuable home-buying tool. It’s a great source of information, and one of the most powerful tools that new home buyers can utilize. You can use the Internet for preliminary shopping on the Web, before you ever talk to a real estate agent. Get an idea of what’s available in your area One of the biggest benefits of using the Web for preliminary home shopping is to get an idea of … [Read more...]
6 Financial Tips for Buying a Home and Being a Consumer in 2011
If you are considering getting out of the renter market and into the housing market as a homeowner here a few tips that can help. All but two of the following 6 tips will help you no matter whether you decide to buy a home or not so I'll get the first two out of the way as they have to do with buying a home and then get to the good stuff about your consumer credit health. Consider Low Down … [Read more...]
Spanish Mortgages
Si está hacienda planes de obtener un préstamo en español (spanish mortgage), póngase en contacto conmigo hoy. Yo le ayudaré con mucho gusto. Uno de los prestamos más populares para la compra de casa en Arizona es la hipoteca FHA, la cual tiene criterios de calificación muy favorables. • Las hipotecas FHA en Arizona no requieren un puntaje de crédito FICO — puede ser un historial “no … [Read more...]
Getting Pre Qualified Is Not The Same As Getting Pre Approved
Getting pre-qualified is not the same as getting pre-approved when applying for a mortgage loan. Getting pre-approved means that you have spoken with a loan officer and provided the loan officer all of the documentation that he requested to get a loan approval. Generally speaking, the loan officer will verify your documentation and run your information through the Automated Underwriting Engine … [Read more...]
Case Shiller: Property Prices May Fall Another 45%
Predictions. Maybe they will come true, maybe they wont - but here is one from a fairly credible source that says property values still have a ways - a long ways - to fall. According to the guys at Lender Implode, the 10 major cities in the Standard & Poor’s/Case-Shiller home price index have risen 5% from their April low, but the index is still predicting a massive 45% fall from today’s … [Read more...]
A Little Effort Can Go A Long Way
Ok, so everyone is a little more focused on saving money in a down economy. Pretty much everywhere I look, people are wondering what they can get for "less" or just generally looking for the best deal. And when you are buying a house, sometimes I feel like people look in all the wrong places to try to cut $10 off their monthly mortgage payment. I can't tell you how many people agonize over … [Read more...]
Phoenix Home Search: Realty Executives Team III
It seems as though every real estate website in the Phoenix real estate market offers ways to search the Real Estate Phoenix MLS. In a sense, each of these real estate websites leave the job of searching for homes up to you – they offer you the job of doing your own search. Some Realtor websites even have maps with hundreds of pin points and even a wide area radius search for a home on the Phoenix … [Read more...]
FHA 203k Streamline: Contractor Requirements
When using the Arizona FHA 203k streamline to finance your home, you will usually need to get a contractor to perform the work. The general process of finding a contractor and working with the lender and contractor looks like this: Lender reviews the contractors license, bonding, insurance and credentials Contractor estimates and provides the lender estimates that clearly state the nature … [Read more...]
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