If you hire a real estate lawyer before you sign a purchase contract, your home-buying experience is guaranteed to go as smoothly as possible because any potential legal problems are solved before closing. And as long as your real estate lawyer issues your title insurance, you won’t pay more by involving him or her early [...]

Everybody who owns a home should get insurance on their property, and everyone who has a mortgage on their home must get an insurance policy. The lender will force you to carry a policy that covers fire and hazard insurance in order to protect their investment. In Florida, you are required to take out [...]

More than 1.6 million American families filed for bankruptcy between 2002 and 2003; a rise of nearly 150,000 nationwide. If you have recently declared bankruptcy, you are probably having difficulties getting credit approval, especially for a home loan. And if you find a lender to work with you, you are unlikely to get [...]

By Robert Rosefsky, Personal Finance 8th edition, John Wiley & Sons, NY, 2002. An adjustable rate loan, most simply stated, means that your interest rate can be adjusted up or down over the months and years. By adjusting the interest rate your monthly payments might also change. In order to make an intelligent [...]

FREQUENTLY ASKED QUESTIONS 1 What types of documentation do I need for the application? Based on the loan program you choose, the exact documents required will vary. In general, you should bring the following: Federal income tax statements and verification of any additional income [...]

Mortgage rates are rising and it’s becoming more difficult for a prospective buyer to save up for the necessary down payment. Fortunately, there are ways around this hurdle. Although homebuyers were once required to put down 20% of the purchase price, those times are long gone. Generally, lenders now require 3 to 5 percent [...]

The Loan Process Get your documents & finances in order. Get pre-approved to determine how much you can borrow. Work with our loan officers to find the best mortgage for you. Close your loan and settle 1) Get your [...]

Uncle Sam has a gift for the men and women who serve our country. It is the VA loan. The VA loan, short for Department of Veterans Affairs home loans, is available to veterans, active service members, reservists, and members of the Public Health Service. These loans are so popular, that in the past fiscal [...]

Proof to putting away the old way of thinking about your mortgage. In this article, I will compare two brothers with different thinking when it comes to borrowing money for a home. Brothers A and B each earn about $70,000 per year. They each have $40,000 in personal savings and have each purchased [...]

Fannie Mae America’s largest supplier of conventional home mortgage funds. Since its beginning in 1968, Fannie Mae has helped more than 30 million families achieve the dream of homeownership. Freddie Mac A shareholder-owned corporation chartered by Congress in 1970 to create a continuous flow of funds to mortgage lenders. Since its inception, Freddie Mac [...]

Loan Products Fixed Rate Mortgage Adjustable Rate Mortgage (ARM) Refinance Home Equity Line Of Credit (HELOC) Jumbo Mortgages FHA Construction Fixed Rate Mortgage With a fixed rate mortgage, you [...]

Florida is NOT among the 32 states with disclosure laws requiring home sellers to reveal potentially negative property issues. However, Florida case law does support seller disclosure requirements through case law dating back to 1986. Since then, a written seller’s disclosure has become a critical part of a home sale transaction in Florida. It [...]

Could there be money right under your mattress? I say, definitely, YES! Let me first say, that once a financial planner, always a financial planner. I have discovered an area of personal finance that is so underutilized, so misunderstood and that receives very little attention [...]

Welcome to our Learning Center where you can find a variety of topics to broaden your knowledge of mortgages. You can find everything from mortgage basics to advanced topics that will help you save money during the life of your loan. Mastering the ability to understand even the simplest Mortgage terminology can be quite [...]

PRE-QUALIFICATION Prequalification makes the buying process go faster. This very important step can help expedite the entire home-buying process by allowing you to know exactly what you can afford, and what financial aspects, if any, you can work on improving. It can also make your bid on a house more [...]

That’s right!!  No Kidding!!  No Bait & Switch. I started this offer as follows: "Close on a First mortgage loan in a purchase or a refinance transaction with me as your loan officer/mortgage consultant in 2009 and I will personally prepare your 2009 U.S. Individual Income Tax Return for Free!!! (offer includes Forms [...]

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Looking for RATES?   Sorry, folks, I don’t publish rates… If I published rates here, it’s all I would ever do.  And this isn’t done to hide anything from you.  I can give you rates but only after I am able to gather information from you.  If you want rates, you can go to www.BANKRATE.com [...]

Meet our team of experienced, hardworking professionals. Discover what others have, no one works harder to get you your dream house. Our experienced staff is here to work with you to develop your loan application quickly, accurately, and honestly to make the strongest case for you. Then we shop our network of wholesale lenders to [...]

INFORMATION The process of getting a mortgage is not only mentally taxing but can be very emotional as well. You want to cover all your bases but you’re committing to a property and a loan that you have to live with for some time. We are here to make your journey easier. You are [...]

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