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……………………………..0 Point             1 Point Conventional 30 Year Fixed                 3.5%               3.375% 15 Year Fixed                 2.75%              2.5% 5/1 ARM                         2.75%              2.25% Government FHA 30 Year Fixed       3.25%             Call for rate VA 30 Year Fixed           3.25%            Call for rate Jumbo 30 Year Fixed                 3.75%             3.625% 15 Tear Fixed                  2.875%          2.75% Call me for more information or to speak with one of my personal Mortgage Loan […]

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Home Seller Tip:  Think of your home as a builder’s model home. Remove from sight the obvious visible signs that you actually live there, such as newspapers, mail, bills, toiletries, medicine bottles, slippers, pet food bowls, etc. Home Buyer Tip: Don’t forget to switch utilities. That sounds simple, but you’d be surprised how many people […]

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Prepare for Down Payment and Closing Costs A generation ago, it used to be the norm to put 20 percent down, but with the market in its current state of flux, many first-time homebuyers are finding ways to pay just 3 to 5 percent of the total cost upfront. Federal Housing Act (FHA) loans increasingly […]

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Home Seller Tip:  Replace any and all burned out light bulbs in fixtures around the home. If there are several lights in one fixture, make sure all the bulbs match. Home Buyer Tip:  Begin the application process by getting prequalified and preapproved from a mortgage lender. Do this first. Your agent will need your mortgage […]

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A few final notes… Utilities – Prior to settlment, you will need to have all utilities transferred to you.  If the utilities are already on, it will be YOUR responsibility to call the appropriate offices and give them the necessary information to set up an account in your name.  Do not wait until the last […]

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Fix Your Credit The first step toward buying a home takes place months before walking into your lender’s office. It’s crucial to check your credit score at least three to six months ahead of your mortgage application.  You can request a free copy of the report from each of the three credit bureaus (Experian, TransUnion […]

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Home Seller Tip:  Be sure to clean ceiling fans, light fixtures and heating/air conditioner vents. Also clean or change heater and air conditioner filters regularly. These are all signs of a well maintained home. Home Buyer Tip:  Make a list of the things you want in a home. List must-have features, would-like features, and features […]

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Almost through the process… Certified Funds Needed – A day or so before closing, final figures should be available through the title company to let you know the amount of money you need to bring to closing.  REMEMBER, IT MUST BE CERTIFIED FUNDS obtained from your bank or credit union.  I suggest you have the […]

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Moving through the process… Insurances – You will need to speak to an insurance agent to determine needed coverage for your new home as soon as possible.  Be sure your insurance agent knows the Lender’s requirements.  Advise your insurance agent that I would be happy to help obtain the answers to any questions about the […]

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When considering selling your home you need to consider the first impression of prospective home buyers – remember, your home is your product and you are trying to market that product as effectively as possible.  How the product looks will ultimately determine how well it will sell. If your home has been on the market […]

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