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- Buying Your Home Articles
Helpful Articles To Guide You When Buying Your Home
- 5 Powerful Buying Strategies
5 Powerful Buying Strategies 1. Don't Get "Pre-Qualified! Do you want to get the best house you can for the least amount of money? Then make sure you are in the strongest negotiating...
- How Mortgage Loans Work
How Mortgage Loans Work Excluding property taxes and insurance, a traditional fixed-rate mortgage payment consist of two parts: (1) interest on the loan and (2) payment towards the principal, or...
- Adjustable Rate Mortgages
Adjustable-Rate Mortgages Adjustable-rate mortgages (ARMs) differ from fixed-rate mortgages in that the interest rate and monthly payment can change over the life of the loan. ARMs generally have...
- Things You Should Know about Moving
Things You Should Know about Moving In Search of a New Residence Subscribe to the area's local newspaper in advance of your move. It usually contains a large real estate section, which can be helpful...
- Six Ways To Beat The Stress Of Buying A Home
Six Ways To Beat The Stress Of Buying A Home Moving, along with death and divorce, is one of the three most stressful experiences in life. There are two very different kinds of needs people.
- 5 Steps To Consider Before Buying
5 Essential Steps To Consider Before Buying A New Home
- Buying versus renting a home
Buying versus renting a home
- Some Different Reasons to Own Your Own Home
Some Different Reasons to Own Your Own Home You've probably seen lots of financial arguments about why you should own your own home rather than rent. These include budgeting (no rent...
- Getting Your Finances in Order
Getting Your Finances in Order A critical step in starting your search for a new home is having a clear idea of your financial situation. By getting a handle on your income, expenses and debts,...
- A Few Points Abour Interest Rates
A FEW POINTS ABOUT INTEREST RATES Less Is More If you're new to investing or real estate and don't know the first thing about interest rates, here's a good tip: the higher the interest rate, the...
- 10 Important Tips To Successful Real Estate Investing
10 Important Tips to Successful Real Estate Investing When it comes to investing, everybody has certain goals and aspirations. However, we have found that there are certain guidelines every...
- Paying Points
Paying Points When it comes to comparing interest rates for a mortgage loan, homebuyers often have the option of choosing a loan with a lower interest rate by paying points. Simply put, a point is...
- How Much Can You Afford
How Much Can You Afford?
Understanding how much you can afford is one of the most important rules of home buying. Depending on your individual situation, your budget can affect everything from the...
- Jill Mills Internet Marketing Plan
Selling Your Home Articles
Helpful Articles To Guide You When Selling Your Home
- When Selling A Home
When selling your home there are no guarantees that a buyer will simply walk through the front door. In many cases you may have to bring your home to the buyer. Effective marketing will help ensure that your property receives maximum exposure to attract a ready, willing and able buyer. The appearance of your home, a buyer's first impressions, and other considerations can...
- 9 Deadly Mistakes Home Sellers Make
9 Deadly Mistakes Home Sellers Make Mistake #1. Using a real estate agent instead of a Realtor When you're looking for help buying or selling property, it's important to remember that...
- Seven Selling Mistakes You Dont Want To Make
SEVEN SELLING MISTAKES YOU DON'T WANT TO MAKE! Mistake #1. Pricing Your Property Too High Every seller wants to get the most money for his or her house. Ironically, the best way to do this is NOT to...
- How To Get Top Dollar In Any Market
How To Get Top Dollar In Any Market The best chance for selling your property is within the first seven weeks it is on the marker. Studies show that the longer a property stays on the market, the...
- How Mortgage Loans Work When Selling Your Home
It is important to understand how mortgage loans work when you are selling your home. Many people are surprised to learn that the amount you pay towards interest and principal varies dramatically over time. This is because mortgage loans work in such a way that the early payments are primarily in interest, and...
- Understanding Adjustable Rate Mortgages When Selling Your Home
Understanding adjustable-rate mortgages is important and can literally save you thousands of dollars in the long run. Adjustable-rate mortgages (ARMs) differ from fixed-rate mortgages in that the interest rate and monthly payment can change over the life of the loan. ARMs generally have lower...
- Moving - Things You Should Know
Go online and search the internet to the area's local realtor in advance of your move. You will find alot of information which can be helpful in giving you some idea of the type of housing available in the new city, as well as other useful information. You can now actually view the inside of many homes using a feature called "virtual tours'
- Reasons To Own Your Own Home
There are many reasons you should own your own home and you've probably seen lots of financial arguments about why you should own your own home rather than rent. Many of these reasons include budgeting (no rent increases) and the tax savings you'll most likely have. Now I'm going to give you some reasons to own your own home that you probably haven't heard.
- Getting A Clean View Of Your Finanical Situation
It's important and critical that you have a clear view of your financial situation before starting your search for a new home. You'll have a much better idea of what you can afford by getting a handle on your income, expenses and debts and how much you'll need to borrow.
- Refinancing - Selling Your Home
If you've built enough equity, you can refinance in order to take cash out of the property or refinancing your home can be an excellent way to bring down your monthly mortgage payment, raise cash, or consolidate debts with high interest rates. However, do so with caution. You need to...
- Interest Rates - What You Should Know
If you're new to investing or real estate and don't know the first thing about interest rates, here's a good tip: the higher the interest rate, the more expensive it's going to be. High interest rates mean you will have to pay back more on the money you borrow. Another good rule of thumb is...
- Successful Real Estate Investing
When you are involved in real estate investing everybody has certain goals and aspirations. However, we have found that there are certain guidelines every aspiring real estate investor needs to know.
- Points - What It Means
A point is equal to 1 percent of the loan amount. Points are usually paid out-of-pocket by the buyer at closing. Homebuyers often have the option of choosing a loan with a lower interest rate by paying points. For example, with a $100,000 loan, one point equals $1,000.
- Selling Your Home And Leaveraging Your Money
Simply put, leverage allows you to use a small down payment and financing to purchase a larger investment. One of the greatest financial aspects of buying a home is the ability to leverage your money. For example, if you bought a $125,000 home with 10 percent down, you leveraged the $12,500 down payment to purchase an asset worth 10 times that amount
- Can You Afford It?
Understanding how much you can afford is one of the most important rules of not only home buying, but in selling your home also. Depending on your individual situation, your budget can affect everything from the neighborhoods where you look, to the size of the house, and even what type of financing you choose
FAQ Index
Questions and Answers About Appraisals, Escrow, Closing Costs, Home Inspections, Interest Rates, Property Taxes, Making an Offer, Tax Considerations and Home Insurance
- Appraisal and Market Value - FAQ
What is the difference between market value and appraised value?
How do you find out the value of a troubled property?
What are the standard ways of finding out what a house is valued at?
What's a house worth?
What standards do appraisers use to estimate value?
- Condominiums and Townhomes - FAQ
How do you choose between condos and single-family homes?
Are condominiums risky to buy?
Do condos have to be made accessible to the disabled?
Are condos a good investment?
Where do I get information on condo association laws?
- Escrow and Closing Costs - FAQ
How can I save on closing costs?
Where do I get information about closing costs?
What are closing costs?
Who pays the closing costs?
Why do I need a title report?
- Finding the Right Home - FAQ
How do you choose between buying and renting?
What are the pros and cons of adding on or buying new?
What are the pros and cons of adding on or buying new?
What do all of those real estate acronyms in the ads mean?
Do we dig deep and buy a dream home or settle for a starter home?
- Fixer-Uppers - FAQ
Where are fixer-uppers found? Are there programs for fixer-uppers? What kind of return is there on remodeling jobs? Are there gov't programs for rehab? What are some resources for info on home improvements? Are there any special tax breaks for historic rehab? What are some guidelines to follow when trying to find a contractor?
- Foreclosures - FAQ
Are foreclosures an option? What are problems with buying foreclosures? What types of foreclosure are there? What happens at a trustee sale? How do you find government-repossessed homes? Can I get a HUD home for as little as $100 down?
- Home Inspections and Warranties - FAQ
How do I find a home inspector? What's a home inspection? Do I need a home inspection? How do I find a home inspector?
- Insurance - FAQ
What kind of home insurance should I get?
A standard homeowners policy protects against fire, lightning, wind, storms, hail, explosions, riots, aircraft wrecks, vehicle crashes, smoke, vandalism, theft, breaking glass, falling objects, weight of snow or sleet, collapsing buildings, freezing of plumbing fixtures, electrical damage...
- Interest Rates - FAQ
Tell me more about ARMs? Adjustable-rate mortgages "are tied to an index which is a measure of the lender's cost of borrowing money. As the index rises, so will the interest rate on the adjustable loan
- Lease Options - FAQ
What is a lease option? When a renter signs a lease with an option to purchase the property for a specific price within a certain time frame, that is called a lease option. In most lease-option situations, a portion of the rent is applied to a future down payment.
- Making an Offer - FAQ
Is a low offer a good idea? While your low offer in a normal market might be rejected immediately, in a buyer's market a motivated seller will either accept or make a counteroffer. Full-price offers or above are more likely to be accepted by the seller. But there are other considerations involved...
- New Homes and Vacation Homes - FAQ
Can you negotiate the price on new homes? It can be difficult to negotiate the sales price with a developer because they may claim their prices are based on fixed construction costs. But it doesn't hurt to try. Experts say builders more likely to...
- Negotiating and Closing a Good Deal - FAQ
What contingencies should be put in an offer? Most offers include two standard contingencies: a financing contingency, which makes the sale dependent on the buyers' ability to obtain a loan commitment from a lender, and an inspection contingency, which allows buyers to have professionals inspect the property to their satisfaction...
- Property Taxes - FAQ
How do property taxes work? Property taxes are what most homeowners in the United States pay for the privilege of owning a piece of real estate, on average 1.5 percent of the property's current market value. These annual local assessments by county or local authorities help pay for public services and are calculated using a variety of formulas.
- Tax Considerations - FAQ
What is the Mortgage Credit Certificate program? The Mortgage Credit Certificate program allows first-time home buyers to take advantage of a special federal income tax credit. This program allows buyers credit in qualifying for the tax advantage they'll receive after they purchase the home.
- Tenants-In-Common and Co-ops - FAQ
Can a co-owner force someone off a shared deed? In some states, a co-owner often can force the sale of a shared property by filing a so-called partition action. In such a situation, if the severance is granted, the property would be sold and the owners would split the proceeds proportionate to their interest in the property.
- What You Can Afford - FAQ
How do you find out the value of a troubled property? Buyers considering a foreclosure property should obtain as much information as possible from the lender about the range of bids being sought.
- Whom to Contact - How to Buy - FAQ
What standards do appraisers use to estimate value? Appraisers use several factors when estimating value including historical records, property performance, condition of the home and indices that forecast future value.
- Whom to Contact - FAQ
Where can I get a list of home builders? For a list of home builders, contact the National Association of Home Builders at...
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