Road Map to Homeownership | How to Buy a Home


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This first time home buyer flowchart helps to demystify the home buying process.  From establishing affordability, to credit scores, down payment information, and the proper documents you need.  You might notice this is from another lender, but the information is the same for all lenders and for soon to be home buyers.If you have any questions at all give me a call.
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Mortgage Basics: The mortgage underwriting process.

Mortgage underwriting is the process of evaluating a borrower's financial capacity to repay a loan. If you are a borrower, then the lender verifies your income, employment status, assets, credit standing etc and then determines whether or not you are creditworthy and are capable of paying off the mortgage loan. The work of an underwriter also involves an appraisal of the property value. Generally, lenders appoint underwriters to verify the information provided in your loan application and other related documents. They may also contact your employer to verify your role in the work area and your income at that position. Based on the evaluation, the underwriter decides whether the mortgage application should be approved or rejected. The mortgage loan underwriter also predicts the rate and term of the loan that are suitable for providing a certain loan amount. Usually lenders look into three areas before approving a loan amount. These include... Financial strength: Lenders take into ...
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7 Reasons why you should use a Real Estate Agent to sell your home

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So it’s time to sell your home and you’re wondering what is the best way to sell your home fast and for top value. After all, most home Sellers indeed want the highest price for their home and to get it sold in the fastest way possible. As a homeowner, do you have that ability? What have you had to do to become a homeowner? I’m sure you have worked very hard having saved money to purchase your home, perhaps even foregoing other things in order to pursue homeownership.  With this in mind, you wouldn’t want to treat the selling of your home casually trying to undertake the job of selling a home when you are not a licensed Real Estate Professional. Believe me in that I’m certainly not saying that ALL Real Estate Agents should be treated as Professionals because, just like any Professional you’ll want to check their accomplishments in selling homes.  A Professional possesses specific qualifications; someone who is up to speed with their work. Just like you consider...
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