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Where Does Mortgage Money Come from Anyway?
When taking out a mortgage loan, you may assume that all of the money you are borrowing came directly from the bank where the loan was completed. While it is true that mortgage loans were once issued in this way, times are changing and lenders no longer keep funding earmarked for mortgage loans sitting around [...]
Importance of mortgage refinance in today’s real estate market
Since mortgage interest rates have constantly kept themselves at approximately 5% for fixed rate mortgages, the idea of home refinance is attracting numeroushomeowners. Refinancing to a lower rate would reduce your monthly mortgage payments. The present day economy and troubled real estate market pose a number of risks to the homeowners. When the real estate [...]
Why Buy?
The Investment Aspect As a rule of thumb, homes appreciate by 4-5% per year. Real estate is hyper-local, so this number will vary by neighborhood, but nationally, 4-5% is the average. That may seem conservative with the wild swings we have observed in the stock market over the last couple years, but the return on [...]
Buying a Home? Don’t Forget the Inspection!
You’ve finally found the home that is just right and made an offer and it was accepted. Now you just wait for escrow to close, right? Wrong. Now is the time to have the home inspected to make sure you are aware of any possible issues in the home before it’s too late and the [...]
How Buying a Home is Like Finding the Perfect Shoe
The adage “one shoe fits all” does not work when buying home. It doesn’t work when shoe shopping, either, for that matter! Homes, like shoes, are very personal, and often emotionally-based purchases. Try as they might to create a home that will meet every need and every taste, home builders are aware that it just [...]
Consider Safety When Showing Your Home For Sale
When a potential buyer considers a home for sale, they are looking for more than a home that “feels” good, they also want to make sure their needs and wants now and in the future can be met. One of these needs is often a concern for safety. Whether it is safety in regards to [...]
Getting the Best Appraisal When For Your Home For Sale
A key aspect of the home buying and selling process is obtaining a home appraisal. A home appraisal is secured to estimate market value and can be quite complex. Recently there has been a change in the home appraisal process, resulting in more regulation, so work with your lender to confirm you have an experienced [...]
Home For Sale? Time to Spring Clean
Spring is in the air, making it a great time to focus on sprucing up your home. Whether you have just purchased a home or are planning to sell, a little bit of effort spent and a few quick cleaning tips will help your home to sparkle! Along with the need for general de-cluttering and [...]
Jolenta Averill, Realtor
