Great Home Buying & Refinancing Tips

Jumbo Mortgages Are Cheaper, Easier to Get

Wealthy home buyers are paying lower average rates on high-dollar loans (known as jumbo mortgages) and in some cases, they don’t even have to worry about a large down payment or mortgage insurance, CNNMoney reports. For the last several months, interest rates on jumbo loans—mortgages that a ...
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Watch Out for Refinancing Scams

Struggling homeowners aren't the only victims anymore.Own a home? Watch out, you could be the victim of a refinance or housing scam and not even know it. Since the beginning of the Great Recession, con artists have been targeting struggling homeowners. Posing as government agencies, nonprofits and attorneys, these scammers prey on homeowners r ...
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How to Buy a Home - Infographic

Homebuyer assistance via The Mortgage Reports.
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Foreign Nationals and Non-Permanent Resident Aliens

 Do you, or someone you know, fall into one of these categories? If so, we have the perfect mortgage solution for you. A Foreign National is a borrower who lives/works abroad and has no visa or SS#. Financing a 2nd home in the US • Full doc only. Must provide income doc or equivalent from cou ...
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Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ...
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What Do Appraisers Look For When Determining A Property's Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection. However, th ...
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Where Does My Earnest Money Go?

Hey, I gave my real estate agent a $5000 Earnest Money Deposit check... Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest Money - an earnest payment (sometimes called earnest money or simply earnest, or alternatively a good- ...
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Renting vs Buying A Home

Buying a home versus renting is a big decision that takes careful consideration. While there are several biased sources that can make arguments for or against owning a home, we've found that most home buyers base their ultimate decision on emotion. Yes, there are some tax advantages of owning real estate, as well as the potential to earn equity ...
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What Does Title Insurance Protect Me From?

By including title insurance when purchasing property, your title insurer takes on accountability for legal expenses to defend your property title, should it ever be challenged. Many different occurrences can come into play to warrant the need for title insurance. The title company responsible wi ...
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Understanding the FHA Mortgage Insurance Premium (MIP)

* Disclaimer – all information in this article is accurate as of the date this article was written * The FHA Mortgage Insurance Premium is an important part of every FHA loan. There are actually two types of Mortgage Insurance Premiums associated with FHA loans: 1.  Up Front Mortgage Insurance ...
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First-Time Home Buyer Credit Checklist

Getting a new mortgage for a First-Time Home Buyer can be a little overwhelming with all of the important details, guidelines and potential speed bumps. Since there are so many rules and steps to follow, here is a simple list of Do's and Don'ts to keep in mind throughout the mortgage approval proce ...
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