Helpful Information

  • Is it a Good Idea to Sell Your Home Yourself?

    Are you thinking about selling your home? Have you been thinking of selling it by yourself instead of hiring a real estate agent?

  • Home Selling Contract

    When you've received an offer on your home that’s for sale, it’s time to look at the contract.

  • Understanding the Mortgage Process

    Have you ever wondered exactly what a mortgage is and how it works?

  • Home Buying Versus Renting

    Should you rent or should you buy? It is not easy to decide to go from renting to buying a home, but it is a decision that most face at some point.

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  • A Buyer’s Guide to the Sales Contract

    Once you’ve found the home you want to settle down in, the next step is to make it yours. This is done with a series of steps, one of which is signing the sales contract.

  • Buying With Little or No Down Payment

    We know many homebuyers have a difficult time saving up for a down payment. While this is true of first time homebuyers, it is true of repeat homebuyers as well. Age, level of income, and level of debt are all factors that have an impact on the ability to save up for a down payment.

    There are many lenders that recognize that eligible borrowers would be denied for a home mortgage if the traditional 20 percent down payment rule were enforced. Perhaps this is why lenders have begun offering programs to homebuyers that have little or no down payment.

  • Financial Preparation for Purchasing a Home

    Before they approve you for a home mortgage, lenders want to be sure that you will be able to repay it. They will take a detailed look at your financial situation to determine this. We suggest several things you can do to improve your chances of getting approved for a home mortgage. Not only will these actions help with your approval they will also prepare you for managing your payments once you obtain the home mortgage.

  • Making an Earnest Money Deposit

    When an offer is made on a house, it usually accompanied with a check. This check is what is known as an earnest money deposit.

  • Purchasing Homeowner’s Insurance

    If you use a lender to finance your home, you will be required to have homeowner’s insurance. You must provide the lender with proof of this insurance policy before the date of closing.

  • Six Things You Shouldn’t Do Before Purchasing A Home

    Just because you’re buying a home doesn’t mean that life has to stop, or does it?