With the difficulty that many buyers are running into these days finding suitable housing before it sells to someone else, here is an alternative: New Construction! The pace of building new homes is about half of what they were in our 2005 heyday, but s...
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Edit Delete Blog Space 9-12-18, How Many Ways can a Basement Leak? Let me count the ways. Having listed, sold, shown and attended inspections on many, many homes over 28 years of selling them, I have experienced 18 ways for water to find its way into ...
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Go into a recently finished lower level/ basement and look up. Will you see painted drywall or ceiling tiles on a grid, known as a drop or suspended ceiling? Chances are good it will be drywall. How about one from 20 years ago? Chances are it is a dro...
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Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next...
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How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha...
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In the olden days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds lying around and considered you a good credit risk, they would lend you the money from their own funds. It doe...
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What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau's computer evaluates a complete credit profile and assigns a score, which is used to estimat...
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Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside...
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There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees...
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Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads are popping u...
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