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Why you should wait to buy that car until after your home purchase?
by Sandy Davila
Why you should wait to buy that car until after your home purchase Getting preapproved for a mortgage is a major step in buying a home. In fact, it’s a virtual necessity to secure a home in this market environment if you’re not paying cash. The great news is, when done properly, it’s like having cash in your hands so you can negotiate effectively with a seller to buy a home. It’s easily one of the most important things you can do in order to buy the home of your...
Read MoreWhat is your debt to income ratio...why should you care?
by Sandy Davila
What is your debt to income ratio...why should you care? Any time you have more income and less debt, you’re in good shape in life. That said, there is an ideal ratio between your debt and income in order to qualify for a good mortgage. When your debt to income ratio is on the high side, you run the risk of not getting a good loan (or not getting a loan at all) if your income were to take a hit right before or during the loan funding process. Conversely, having no debt can work...
Read MoreHow to get qualified to purchase a home for no money down
by Ashley Reccord
How to get qualified to purchase a home for no money down Even with all the insanity that happened during the mortgage meltdown and all the changes that resulted in how money would now be lent to buyers, there are still some amazingly affordable loan programs out there. Included, believe it or not, no-money-down options for buying a home. Here are some of the best programs that are out there today and how you need to get qualified to purchase a home using them to buy a home for no money...
Read MoreHow to get the home with the furniture included
by Ashley Reccord
How to get the home with the furniture included So you like the dining room table in the house you want to buy, but your agent tells you it’s not included with the sale. What do you do? In short, you ask for it. Well, you negotiate it as part of your offer to purchase the home from the seller. To effectively get the home you want with the furniture included, you should identify in advance any furniture that you are interested in buying and let the seller (or your agent) know...
Read MoreWhy Get Pre-approved? Structuring Your Offer to Get the Best Deal
by Sandy Davila
Why Get Pre-approved? Structuring Your Offer to Get the Best Deal Buying a home is a dream come true, but the process of getting an offer prepared and accepted can be a nightmare if you don’t know what you’re doing. There are over 88 variables that need to be managed properly when buying a home and mishandling just one of them could cost you tens of thousands of dollars in unnecessary expenses. Making a home purchase is expensive enough that you don’t need to part ways...
Read MoreHow much should you offer on the home you fell in love with?
by Ashley Reccord
You’ve spent the last few months looking for a home and now the only thing that stands between you and having the right to negotiate full ownership of the home you fell in love with is preparing an offer that will be acceptable to the seller. The purchase and sales agreement is the first formal communication that leads to the final deal and eventually a closing when it’s time for you to take ownership of the property. The total agreement between...
Read MoreHow to Find Bank Foreclosures and Distressed Sales
by Ashley Reccord
How to Find Bank Foreclosures and Distressed Sales Everyone wants a hot deal. For those who have the ability/desire to work with a home that is, in most cases, less than perfect, foreclosures and distressed sales represent some of the hottest deals out there If you want to locate distressed properties, the first thing you have to understand is that no one will usually advertise their home as a “distressed property” unless they are absolutely desperate to unload their home. Homeowners,...
Read MoreWhat will be your payment on your new home?
by Sandy Davila
What will be your payment on your new home? Buying a new home can be overwhelming. Between understanding the financial aspects of your loan and all the paperwork required to buy your home, things can get a little crazy. One of the biggest parts of getting a new home is figuring out the terms and conditions of your mortgage. Two of the biggest areas that impact your loan are your credit and your down payment. In this post, we’ll cover both and also explain how to determine the...
Read MoreWhy you should wait to buy that car until after your home purchase?
by Rose Nied
Why you should wait to buy that car until after your home purchase Getting preapproved for a mortgage is a major step in buying a home. In fact, it’s a virtual necessity to secure a home in this market environment if you’re not paying cash. The great news is, when done properly, it’s like having cash in your hands so you can negotiate effectively with a seller to buy a home. It’s easily one of the most important things you can do in order to buy the home of your...
Read MoreIf your home inspection report comes back bad, now what?
by Ashley Reccord
If your home inspection report comes back bad, now what? One of the biggest deal killers for any real estate transaction is the home inspection. It strikes fear into the hearts of sellers and buyers...even though virtually everything about a home can be repaired or replaced. The good news is that if you have a great real estate agent and a competent home inspector, you can usually handle a failed inspection report properly without having to panic in the process. The key thing to remember...
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