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Happy Memorial Day Weekend!
From Our Family to Yours: Happy Memorial Day Memorial Day is a federal holiday observed annually in the United States on the last Monday of May. Formerly known as Decoration Day, it originated after...
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Home Staging Tips: Make Your Entrance More Appealing
These home staging tips are intended to help you to make a good impression on potential buyers when they first enter your home. Home staging is a very important aspect of selling your property. In...
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Who Should Apply for FHA loans and VA Mortgages?
Who should apply for FHA loans rather than take regular home loans, and are veterans better with FHA or VA mortgages? Let’s first look at why people apply for FHA mortgages, and then discuss the FHA...
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Qualifying For a Mortgage: Mortgage Qualification Factors
Most find qualifying for a mortgage easy, though there are mortgage qualification factors that can trip some people up. It is best to understand what these factors are, so that you can take steps to...
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Real Estate Purchase: Dissecting the Process of Buying a Home
Real estate purchase can be daunting to a first-time buyer, and even those fairly experienced in house purchase can find the process of buying a home a bit scary. Let’s examine the main steps involved...
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Renting a Home and Avoiding Bad Landlords
Renting a home can enable young couples to save for a deposit to buy their own property, but avoiding bad landlords can be difficult. Even if you read the small print, such as the landlord who refused...
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Financing Building a House: How to Finance Building a Home
Financing building a house is slightly different to getting a regular mortgage. There are several ways how to finance building a home, depending on whether or not you also have an existing property to...
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Benefits of Investing in Solar Panels
Why install solar panels? Is it really as worthwhile as people claim, and is there a genuine return on investment involved? Naturally, your geographic area is important. This is not only related to the...
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Find a Mortgage or Find a Property: Which First?
Should you find a mortgage or find a property first? This question is more important for first time buyers, because they have not been through the process before and are likely unsure of the procedures...
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Home Staging: How Much to Spend on Staging a Home for Sale
Home staging need not be expensive. It is not possible to say how much you should spend on staging a home for sale, because that depends on your property and its condition. However, here are some...
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Improving Your Credit Score: How to Improve your FICO Score
Improving your credit score is important if you are seeking a mortgage. If your FICO score is below 700, you could do with improving it to make sure you are offered the best interest rates. You can get...
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Improving Your Credit Score: How to Improve your FICO Score
Improving your credit score is important if you are seeking a mortgage. If your FICO score is below 700, you could do with improving it to make sure you are offered the best interest rates. You can get...
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Mortgage Refinance and Modification: What’s the Difference?
What is the difference between mortgage refinance and modification? Fundamentally, mortgage refinancing involves changing the terms of your mortgage to something more suitable for you. In effect, you...
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Libor ARMs: What are They and Why Select One?
A Libor based mortgage is an adjustable rate mortgage (ARM) in which the interest rate is tied to an index known as the Libor index. The term ‘LIBOR’ refers to the London Interbank Offered Rate, which...
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Joint Mortgages for Couples with Conflicting Credit Scores
Joint mortgages for couples, whether married or not, can be problematic if they have conflicting credit scores. What is the situation if you have a high FICO score, but your partner’s score is low?...
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Paying Cash for a Home: Is it Worth Doing?
Paying cash for a home would seem to be the ideal way to purchase real estate. No mortgage, so no monthly repayments to worry about. So why is that that those who can afford to do so often decide to...
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Escrow Accounts and Why You Need Them
Escrow accounts are a means of paying small regular sums of money to cover large sums required at regular intervals such as annual homeowners’ insurance payments. Escrow is a good way to make sure you...
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Saving on Homeowners Insurance Costs
Saving on homeowners insurance costs is not particularly easy, but you can save if you take some time to do it. Shopping around is the most obvious way, but when comparing prices make sure you offer...
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Applying for a Mortgage When Self-Employed
When applying for a mortgage when self-employed, a major factor is to declare as much income as you can. It is not uncommon for the self-employed to claim as many expenses as they can against their...
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Negative Equity, How it Happens and How to Avoid It
Fundamentally, negative equity is the situation where the value of your home is less than the amount you still owe on your mortgage. This can be a severe burden on you if you want to move and you find...
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