Okay, we kinda got a bit of a double whammy here. What sort of whammy? Rates are at 20 year highs and home prices have risen dramatically over the past several months. Higher rates and highe… Read More
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Sasha Jacob - Giving Assistance To The Renewable Energy Sector Blog
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Global warming is slowly worsening the situation of our environment. Our surroundings is taking the blow by the misuse we are doing. As the situation aggravate and before everything becomes too late, we can take part in helping slow down this distraction. We can even stop it from happening. Through the years, renewable energy is considered as one of the best ally of the environment. Being the top source of clean and inexhaustible energy, it is expected to aid the cause for a better environment.
One might wonder where mortgage rates actually come from and who makes these daily adjustments? There is indeed a method. Lenders don’t set rates pretty much out of thin air. You also… Read More
Time is dwindling down, and now you've left yourself without a sufficient opening to shop for the holidays. What's a procrastinator to do?! Don't fret. We've got tips for gifting from places… Read More
Getting ready to buy a brand-new house? Moving into a home that no one has ever lived in before is incredibly exciting. So is picking out all your finishes so everything really suits you. Bu… Read More
For many first-time buyers, buying a home can be a scary experience. They know they'll be maintaining or improving a home with little to no maintenance experience, so the solution is to buy… Read More
You're not boring, and your home shouldn't be either. But, you can obey all the design rules and end up with a place that looks like it came right out of a magazine but still lacks a little… Read More
Mortgage lenders, like pretty much any type of industry, have their own internal lingo. It’s certainly one that is difficult to understand, as certain facets of mortgage lending have n… Read More
New fence. Covered patio. Expanded bathroom. Painted kitchen cabinets. They all cost about $3,000 (give or take a couple bucks). So when you want to renovate everything, how do you chose? Wh… Read More
Congratulations on your new home! This is an opportunity to think holistically about the interior design and decoration of your home. Have you ever been in a house where nothing seems to go… Read More
So you're finally adding a dog to your household. Congratulations! You're about to bring so much joy to your world. But also hair and dirt and slobber. You can easily integrate a new dog int… Read More
For a lot of people a 55 and older community can mean spending your retirement living with people your own age, being active, and exploring new hobbies right in your own neighborhood. It sou… Read More
Freddie Mac publishes a weekly mortgage rate survey. For rate followers and maybe those who are thinking of refinancing or wanting to buy a home with a lower rate, this is good news. Accordi… Read More
It’s a known fact: today’s buyers have no interest in seeing other people’s stuff! They would much rather picture their own lifestyle in a home, and increasingly expect lis… Read More
Sometimes things don’t go as planned but it can be heartbreaking when you have your sights set on a home but you’re told ‘no.’ What do you do? First, this really shou… Read More
All of a sudden, you hear that a massive new house, renovation, or addition is scheduled to begin construction next door to your home. Only it wasn’t “sudden.” You just wer… Read More
When someone submits a loan application and provides the necessary documentation, it can get a little quiet from the borrower’s perspective. So much so sometimes that they get a little… Read More
When you’re getting ready to buy and finance a home or perhaps refinance an existing mortgage, one of the things you end up doing is shopping around for mortgage rates. Ind… Read More
He complains if your garbage cans are still out five minutes after trash pickup. If there’s a car parked—legally, mind you—outside his house. If a dog even sniffs his lawn… Read More
There was a time when buying a home as a single person was nearly unheard of. But that is changing. Actually, it already has. According to the National Association of Realtors, single… Read More
For many people across the country, Thanksgiving represents a time of togetherness when the entire brood can gather around the table and sink into some family love - and a vat of mashed pota… Read More
Having an inviting home is a great way to keep your home open and inviting for guests. If you are looking to turn your home into a party pad, there are certain things that you will need to d… Read More
You may or may not have heard of the term ‘private lending.’ It is in fact a necessary player in real estate finance but often it’s misunderstood. It’s also sometimes… Read More
A home appraisal is an important part of buying and selling a home. You have to go through the appraisal process to buy a home with a loan, refinance your current mortgage, or to sell a home… Read More
Hey there, fellow homeowners! We're here to shed some light on a not-so-traditional, but incredibly festive way to make your home sparkle year-round. Yes, we're talking about permanent Chris… Read More
When you’re getting ready to start searching for a home to buy, one of the first things you need to do is get your financing lined up. This does a few things. First, it lets you know h… Read More
The Federal Reserve Open Market Committee, or the FOMC, meets yet again. So what will happen? It’s anybody’s guess but in all likelihood the ‘Fed’ will sit on their h… Read More
There’s really no shortage when it comes to mortgage qualifying guidelines. At least it can seem that way, especially so if you’re wading for the first time in the proverbial hom… Read More
When you call around or do some online research about fixed mortgage rates, you’ll typically find lenders touting either a 30 or a 15 year rate. But there are some differences regardin… Read More
Whether moving across town or across the country, packing up and moving can be stressful, costly and full of surprises. From shady movers and inaccurate price quotes, to overpacking or not a… Read More
There’s a term in real estate that’s relevant to buyers and sellers alike, which is fair market value. Fair market value lets you know how much a home would theoretically sell fo… Read More
I recently penned a piece here on this particular site telling a story about a long time friend who was preapproved for a mortgage before rates started to jump but she waited too long and th… Read More
If you’re a landlord with rental properties, it can be tough to fill vacancies, and that can mean you lose a lot of money the longer it’s sitting empty. It’s time-consuming… Read More
Interest rates can change daily. Further still, in more volatile times, rates can change during the course of a business day. That means a rate you were quoted this morning may not still be… Read More
The overall goal of home staging is to make your home shine. After paring down to just the essentials, the next staging step is to give your home a light makeover to make it look - and feel… Read More
A first mortgage is what you might traditionally think of when buying a house, but there’s another relevant concept—a silent second mortgage. A silent second mortgage can have so… Read More
When you first begin the mortgage loan process, you’ll be working with your chosen loan officer. Quite a bit, actually. And I do mention ‘chosen’ on purpose because you do… Read More
At the end of 2022, the Pantone Color of the Year was announced for 2023, and it was Viva Magenta. It’s a color with hints of crimson red and a deep raspberry. The Pantone Color Instit… Read More
I got an email from a good friend whom I’ve not seen in several years but we stay in touch with the occasional email or text. We live in different cities, different states, actually, s… Read More
You have just inherited the family home, with your sibling. He wants to sell but you want to keep the property. After all, it has been in the family for a long period of time, and the two of… Read More
The real estate market is constantly evolving and changing, as are home buyers' needs and preferences. The need today is sellable inventory and affordable housing. Both of which are in short… Read More
If you’ll remember the movie It’s A Wonderful Life, you’ll certainly recall the scene where there was a semi-bank run by those who thought Bailey Building and Loan was goin… Read More
If you’re a first-time homebuyer or you’d like to be, things aren’t necessarily easy out there. Many expected that with the increasing interest rates over the past year, th… Read More
Real estate agents have been on a wild ride over the past year. Since COVID, many new agents have come into the industry and initially weren’t having trouble finding clients. Most of t… Read More
It doesn’t happen very often, but it does happen. Someone submits a loan application to a lender and, for whatever reason, decides to transfer the entire loan file to someone else. May… Read More
Now is a time when Reverse Mortgages really have the potential to shine by helping homeowners maintain control of their finances. With general living expenses up a few hundred dollars per mo… Read More
Homeowners are loving the ability to have larger spaces in their home that allow for conversation among multiple rooms. To help you decorate your open concept home, we're going to share with… Read More
"We want to price it at the top of the market to get the most money from our home..." You've never heard that before right? Unreasonable sellers? High expectations? Zero grasp of the market?… Read More
Should you stay or should you go? It's the premise of the popular HGTV program "Love it or List it" and also a dilemma for countless homeowners today. Many of us can relate to the issue rais… Read More
For those of you who currently have a home and a mortgage or perhaps had one in the past, it’s very likely you got what the industry sometimes refers to as a ‘goodbye’ lett… Read More
Moving to a new home can be an exciting journey. Whether you're changing cities or moving to a new neighborhood, a move is not only a change of scene, it's the start of a new chapter in your… Read More
We all spend a large amount of our time verbally communicating with others. Most of us are trying to get our message across whether that message is to family, friends, colleagues, subordinat… Read More
One of the more important things lenders are required to do is to determine affordability. This is done with just a little math magic by taking your minimum monthly payments that appear on y… Read More
Looking for a home can be a tedious process, and if you've been to multiple showings and in and out of open houses - and, especially, if you've been outbid on one or more homes you were coun… Read More
Moving into a new house? Your task list doesn't end once you pack up your old place - and we're not just talking about all the fun unpacking you have ahead of you. There's a few more things… Read More
Question: I am having trouble contacting the individual directors on the board of directors. The HOA president says there are "privacy issues" to giving out phone numbers or email addresses… Read More
Most loan programs today require some sort of a down payment. Even as low as 3% of the sales price while there are a couple of programs that don’t require a down payment of any sort. T… Read More
One of the most sought-after and Instagram-worth interior décor styles right now is hygge. So what is Hygge? It’s a Danish concept focused on quiet comfort with neutral and warm… Read More
I really hated social media. Not hated, loathed. I think some people post too much. I think some people post the wrong content. I think some people post content that doesn’t rela… Read More
We’ve talked here before about the types of questions you can expect to be asked when you begin to complete a loan application. Along with this, we explain why the lender asks the thin… Read More
Grant Cardone, one of the most well-known real estate investors, recently gave an interview where he called out two real estate markets in the U.S. that he says he wouldn't go anywhere near… Read More
There are some who say the best way to accumulate long term wealth is through real estate. That might very well be true but it’s not exactly like going out and buying a bunch of rental… Read More
It has become commonplace for high-producing real estate agents or teams to have one or more assistants. Sometimes these assistants are licensed real estate agents themselves, sometimes not… Read More
If you don’t already, 2021 should be the year that as a real estate agent, you focus on building your email list. Every agent should collect an email list and maintain it. It’s o… Read More
Home prices continue to rise, which is keeping many a renter out of the market. But, fixer-uppers present a potential opportunity. For starters, the lower prices create the affordability tha… Read More
A new mortgage can close in as little as 10 days. But most will take a little longer. How long? That depends upon a few things but let’s go through how quickly a loan can get fun… Read More
Question: We have members who would like to volunteer to do minor repair work on such things as changing lightbulbs, cleaning the clubhouse, trail repair and pool monitoring. The board is co… Read More
Co-ops can be notoriously picky when it comes to approving new buyers, but now it seems that people themselves aren’t the only ones who are expected to make the grade. Dogs are also un… Read More
When it comes to buying your first home, are there two words that are more unpleasant and unwelcome than “down payment?” How about “closing costs?” That’s becau… Read More
If you’ve ever dreamed about becoming a real estate agent, the current market could be influencing you to follow this path more than ever before. While it can be a lucrative and fulfil… Read More
Once your home goes on the market, real estate agents may call to show your home anytime, day or evening. Keeping your home "showtime" ready can be challenging, especially if you have childr… Read More
We’ve talked a lot about the difference between new construction homes and existing homes, outlining the pros and cons of each and examining the big picture difference in price (as wel… Read More
Question: An owner recently died and several board members believe the HOA should waive the monthly assessment for the widow. Is this permissible? {loadmoduleid 306} Answer: The board has au… Read More
To a lot of people, it most certainly does. Why, though? There are several reasons but perhaps the most prominent one is being able to collect monthly rent from the tenant on the other half… Read More
Every beginning is hard. While real estate investing is one of the best ways to make money in both the short and the long term, newcomers find it difficult to choose the right strategy to ge… Read More
How can you really tell if an apartment is all it’s cracked up to be? How do you know when you’ve stumbled across a hidden gem - or when the shades are being pulled over yo… Read More
ARM is the three letter acronym that stands for Adjustable Rate Mortgage. There are of course two primary mortgage types, a fixed rate mortgage where the rate never changes throughout the li… Read More
Question: Volunteers are an important part of HOA living. But how does a board deal with owners who are totally negative, derail attempts to reach agreement, disrupt meetings and yet want to… Read More
Three things are certain in life: death, taxes ... and undue stress caused by moving. Whether or not you use the services of a REALTOR® to help you wade through the uncertain waters of t… Read More
As a real estate agent, you know how competitive and challenging the resale housing market is today and is projected to be. You want to provide the best service to your clients, find t… Read More
If you're thinking of selling your home, this is probably a question you've been asking yourself - and your real estate agent. There is no hard and fast answer; the route you go will depend… Read More
Whether it's an oceanside bungalow or a luxury cabin in the mountains, many people dream of buying a vacation home. Financial advisors call a purchase like this "lifestyle investing." Like a… Read More
As part of the typical mortgage loan application process, you can bet that you’ll be asked to provide a few things for your lender. For example, the lender wants to verify how much mon… Read More
Question: We have a number of vacant homes in our homeowner association. Does the HOA have a responsibility to secure and protect them? Answer: This is more of an issue in HOAs that have att… Read More
Whether you're looking to sell your home or simply improve its overall appearance, consider upgrading the landscape. These six tips will help you utilize landscaping to increase your home's… Read More
If your house has been on the market for quite a while (3 to 6 months), you may have already dropped your price and now you're waiting for the buyers to rush in and make wonderful offers on… Read More
You’ve probably heard of Fannie Mae quite a bit over the years without fully understanding it. Fannie Mae plays a big role in real estate and buying homes, so it’s worth getting… Read More
Moving can be exciting, and it can also be scary. It can be smooth sailing or so wrought with silly (or serious) issues that your cat peeing in the box of towels because you haven't unpacked… Read More
The 1960’s was the time of hippies, the Beatles, and the Vietnam War era, but otherwise known as the Swinging Sixties. Due to this, there was a steady rise in music, drugs, and clothin… Read More
If you dread the negotiating process when buying a home, never fear. Your real estate agent is an experienced negotiator who helps keep the bargaining from becoming emotional and veering off… Read More
In a residential real estate transaction, it is not unusual for the seller to want to remain in the property for a few days to a couple of weeks after the closing occurs. This is in no small… Read More
What does ‘ready for docs’ mean? It’s actually a phrase that identifies a specific stage in the mortgage loan approval process, and one that consumers and loan officers ali… Read More
Question: Concerning the possible conflict of interest that develops with managers who are hired by HOA developers: In our HOA, the manager is the developer. We now have a number of construc… Read More
If you live somewhere impacted by hurricanes, we're now in the middle of the summer, meaning it's time to get your home and family prepared for the potential of a storm if you haven't alread… Read More
On the fence about downsizing? We help you decide whether that fencing should encircle a mansion or a mini trailer. We all consider downsizing for different reasons. Maybe we’re sick a… Read More
With the stubbornly high prices of homes and the limited inventory, people are getting more creative about their living spaces. With that can come the use of accessory dwelling units or ADUs… Read More
Mortgage lenders are tasked to evaluate your ability to finance a home based upon your income, current credit obligations and assets. Your income lets lenders give you an idea of how much yo… Read More
Question: Our budget process takes place in the fall so we will have an approved budget at least 30 days prior to the start of our fiscal year which begins in January. As it turns out, we ho… Read More
If you're buying a home, getting the title is an important part of the process. The title confirms that you have ownership rights for the property you receive from the seller. Title insuranc… Read More
TikTok is known as the birthplace of most trends that have become popular, and one of the newest relates to home décor. It’s called dopamine décor or decorating, meant to… Read More
The thought of having your home flood is scary for most people, and unfortunately, it’s an all-too-common situation. A home might flood for many underlying reasons, including broken pi… Read More
