Mortgage Advice

What is a Seller’s Disclosure? Here’s Why It’s Important

Whether you’re about to purchase a new condo or sell your current home, there is a lot to learn and paperwork to sign. One of these critical documents is called a seller’s disclosure. A seller’s disclosure, also known as a property disclosure, is a document that sellers are legally required

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Mortgage Advice

Down Payment Assistance

I have been in the mortgage industry for 24 years and working for financial institutions since my Junior year in high school. Banking, auto loans, credit cards, obtaining a mortgage has always been second nature to me. Never questioned anything. I have always had the “RIGHT ANSWERS” at my finger

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Mortgages: Getting Started

I Want to Buy a House What Should I Do?

“The American Dream” – Home Ownership, everyone is chasing it, but few approach it correctly. The majority of American’s believe purchasing a home is the single biggest transaction they will make in their lifetime. They are wrong! The home loan you “purchase” to buy the home is the single largest

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Mortgages: Getting Started

What is Your Credit Score?

What is a credit score?  Yes, it is a mysterious three-digit number that can keep you form buying a car, getting approved for a mortgage or determine your Auto Insurance rate. Banks, lenders, insurance companies and even employers use credit scores to if you are reliable and will make your

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Mortgages: Getting Started

Buying Down Your Mortgage Interest Rates

Some existing and prospective homeowners out there are fixated on obtaining the lowest possible rate even if it means paying out of their own pocket. Most borrowers opt for a higher mortgage rate to help pay for closing costs when buying a home, while some savvy homeowners will pay a one-time

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