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Adjustable Rate Mortgages


Adjustable Rate Mortgages (ARMs) are loan programs where the monthly payments and interest rate will adjust during the life of the loan. The initial interest rate on an adjustable rate mortgage is generally 2 to 3 percent below a comparable fixed rate allowing you to qualify pretty easily.

Published In: Loan Programs


Reverse Mortgages Basics


A reverse mortgage is a special type of home loan that allows a homeowner to tap into their home's value without making any repayments during your life or as long as you occupy the house. The homeowner may convert this equity into cash, which is tax free, that can be used for unexpected medical expenses, supplemental social security, make home improvements or meet other financial needs.

Published In: FHA Loans


Disclosure Statements: What are they?


Among the many documents you will encounter in the buying process the Disclosure Statement is one of the most critical. As a home buyer you want to know of any known defects in the condo you are about to purchase. This is why a disclosure statement is provided.

Published In: Home Buyer's Guide > Buying a Condo, Town Home or Co-op


Buying A Condo


What's involved in buying a condo? What are home owner's dues? Assessment dues? What relationship do I have with the Home Owner's Association?

Published In: Home Buyer's Guide > Buying a Condo, Town Home or Co-op


Condo Buyer’s Checklist


Use this check list and list of questions to help you make the most informed decision when buying your condo.

Published In: Home Buyer's Guide > Buying a Condo, Town Home or Co-op


Evaluating the Property


When shopping for a condo, town home or co-op it is important to evaluate the property. These include the location, curb appeal, noise level, density, safety and layout.

Published In: Home Buyer's Guide > Buying a Condo, Town Home or Co-op


Buying a Town home, Condominium, or Co-Op


A brief introduction to buying a town home, condominium, or Co-Op. What exactly are the differences between these dwellings?

Published In: Home Buyer's Guide > Buying a Condo, Town Home or Co-op


22 Ways to Expand Your Purchasing Power


22 simple ways you can expand your purchasing power when buying a new home. Borrowing money from your parents to liquidating securities, these steps can help you expand your purchasing power.

Published In: Home Buyer's Guide > Getting Started


Cash: The Down Payment


Learn about the advantages of using borrowed money to buy your home and increase your rate of return. This article will help you decide if its better for you to put a larger or smaller down payment on your new home.

Published In: Home Buyer's Guide > Getting Started


Closing Costs


Closing costs are the additional costs that are incurred when finalizing the purchase of your home. Learn the basics and what costs the buyer pays and the seller pays.

Published In: Home Buyer's Guide > Getting Started


Ten Common Home Buyer Mistakes


It’s natural to feel a little uneasy about buying a home. It is one of the largest financial investments most people can make. The thought of you making a mistake can deter you from buying a home. But rest assured that these ten tips will guide you in making a more informed decision.

Published In: Home Buyer's Guide > Getting Started


Agent, Realtor, Broker; What’s the Difference?


It is common for people to use the terms, agent, Realtor and broker to represent the same person, when in fact there is a difference between all of them. Not all real estate agents are Realtors and some do not have a broker license. Read this article to learn the differences between them.

Published In: Home Buyer's Guide > Working with Agents


Finding the Right Real Estate Agent for You


So you are ready and decided to have a real estate agent assist you in your search. What kind of real estate agent is right for you? This article will help you make that decision.

Published In: Home Buyer's Guide > Working with Agents


Buying A Home Without An Agent


If you are considering on buying a home without an agent then be sure to read this article for a basic understanding on what you need to know. At the very least you should hire an attorney or real estate broker to draft and review purchase contract.

Published In: Home Buyer's Guide > Working with Agents


Interviewing Real Estate Agents: Some Questions You Should Ask


Its a good idea to learn about the real estate agent before working with them. Set up an interview and ask them a series of questions. Read this article for a list of questions you should ask.

Published In: Home Buyer's Guide > Working with Agents


Real Estate Brokerage Commission, What is it?


Most real estate agents work on a commission which means they get paid only when a home sells and closes. If the home doesn’t sale then they work for free. Click to learn about how the commission works and how it affects you.

Published In: Home Buyer's Guide > Working with Agents


Working with a Real Estate Attorney


Do you need to hire a real estate attorney to help you through the home buying process? Learn more about real estate attorneys and how they can help you.

Published In: Home Buyer's Guide > Working with Agents