~Educational Library~

For Sale By Owner
-For Sellers-

For Sale By Owner
- Mortgage-

For Sale By Owner
-For Buyers-

Must know For Sale By Owner info!
(PDF)

Staging your For Sale By Owner home! (PDF)

More Home Selling Tips for Owners

Free Services

Online Video Purchase Seminar

Neighborhood Evaluations

Free Property Value

Area School Reports

Crime Statistics

Resident Connection Services

VA Loans Online Videos

Thinking of Refinancing?

Energy Efficient Mortgages

Thinking of Selling a House?

Detailed Mortgage Information

What is the difference between Modular and Manufactured Homes?

CONSUMER INFORMATION

• Buying a Home With Resale Value - Location
  Location, Location, Location?
  Location - Local Community,

• Town or City
  Location - the Local Neighborhood
  Location - the Residential Neighborhood

• Buying a Home With Resale Value - the House
  A Home With a View?

• Lot Choice and Landscaping
  House Size

• Bedrooms & Bathrooms
  Closets, Garage & Laundry
  Kitchen

• Fireplaces
  Swimming Pool?

• Comparable Sales and Your Offer

• Price Determining Your Offer

• Price Comparable Sales in the Public Record

• Comparable Sales in the Multiple Listing Service

• Comparable Sales - Pending Transactions

• Factors Affecting Your Offer Price

• How Property Condition Affects Your Offer

• How Home Improvements Affect Your Offer

• How Market Conditions Affect Your Offer

• How Seller Motivation Affects Your Offer

• The Final Decision on Your Offer Price

• Offering to Purchase Real Estate- the Basics

• Introduction and Overview

• Contingencies in a Purchase Offer
  Earnest Money Deposit

• The Closing Date

• Transfer of Possession

• Writing an Offer - Safeguards Regarding the Property

• Disclosures From the Seller

• Condition of the Property Upon Transfer

• Inspections You May Require

• Final Walk-Through Inspection

• How Financing Details Affects Your Offer

• Down Payment

• Interest Rate Closing Costs and Financing Incentives

• Seller Financing

• Cash Offers

MORTGAGE
"Advance Info"

• How it Works!
• The truth about Closing Costs. Why so much and what to do about it.
• Your Credit Score...How is it determined....?
• Alternative Mortgages...What to do if you have been turned down!
• Rates...What makes up the Mortgage Rate?
• Slow Credit..?...Alternative Loans for Slow Credit borrowers.
• Mortgage Calculators.
• What is a "Hybrid loan?" IS a hybrid loan in your future?
• No Closing Cost Loans....Do they really exist?

WARNING: You Must Read These FREE Reports Before Purchasing Or Refinancing A Home!

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Other Mortgage Related Videos:

• Low monthly mortgage payments don't always mean best deal.

• Pay off your mortgage principle and you can be out of debt in 15 years.
  

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What is an Upfront Mortgage Broker? 

How do you get pre approved using your own Credit Report?

1000+ Down Payment Assistance Programs

 

Buying your home - Settlement costs and helpful information.

 

Knowing and Understanding Your Credit

Opening the Door to a Home of Your Own

 

Choosing the Mortgage that’s Right for You

 

Borrowing Basics: What You Don’t Know Can Hurt You 

Mortgage Guide for the week ending June 6, 2005

.............................

Are you a Rate Shopper?

As you are shopping for a loan, make sure you are working with an experienced, professional loan officer. The large financial investment you are making is far too important to place in the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way.  But how can you tell?

First, make sure the loan officer will guarantee IN WRITING their closing costs, interest rate and points charged.  Unfortunately, there are too many unscrupulous people in the mortgage business.  If they wont put it in writing, they don't know what they are doing or they are trying to bait and switch.

In addition here are FOUR SIMPLE QUESTIONS THE LOAN OFFICER ABSOLUTELY MUST BE ABLE TO ANSWER CORRECTLY.  IF THEY DO NOT KNOW THE ANSWERS RUN DON'T WALK RUN TO SOMEONE WHO DOES!


1)  What are mortgage interest rates based on?  (The only correct answer is Mortgage Backed Securities or Mortgage Bonds, NOT the 10-year Treasury Note. While the 10-year Treasury Note sometimes trends in the same direction as Mortgage Bonds, it is not unusual to see them move in completely opposite directions.  DO NOT work with someone who has their eyes on the wrong indicators.)

2)  What is the next Economic Report or event that could cause interest rate movement?  (A professional lender will have this at their fingertips.  For an up-to-date calendar of weekly economic reports and events that may cause rates to fluctuate sign up for my newsletter above)

Be Smart, Ask Questions, and GET ANSWERS!!

Powerful Free Books Available:

Download your free copy of our most popular Book on Consumer Credit Now!

Download your free copy of "33 Ways to Sell your home Fast!"

Download your free Home Buyers Handbook

Mortgage Basics

Title/Escrow

 
• Understanding Title Insurance
• The Functions of an Escrow
Closing and Title Costs
• Why Do You Need Title Insurance?
• Title Insurance - Where Does Your Dollar Go?
• Understanding Preliminary Reports
• Required Reporting to the I.R.S.
Statements of Information
• Title Insurance for Trusts
  

CONSUMER INFORMATION

• Car - or Did You Already Buy One?

• When Income Grows and You Want to Buy "Stuff"
  Debt-to-Income Ratios and Car Payments

• How Buying a Car Reduces Your Purchase Price

• Things Not To Do Before Buying a Home

• No Major Purchases of Any Kind

• Don't Move Money Around
  Should You Change Jobs?

• Reasons to Delay Buying a Home

• Why Buying a Home is a Good Idea

• The Best Investment Income Tax Savings

• Stable Monthly Housing Costs

• Forced Savings

• Freedom and Individuality

• The Business Cycle and Buying a Home

• Recession and Expansion

• Supply and Demand

• Should You Try to "Time the Market"?

• Why You Should Not Wait

• What's More important - Buying a House? Or a Home?

• Why Search for A Realtor?

• Finding an Agent by "Accident"

• Listing Agents vs. Selling (Buyer's) Agents

• Should You Call the Listing Agent?

• Agent's Advertising - Is the Purpose What You Think?

• Finding Your Own Realtor Some Basics About the Search

• How to Conduct the Search
  Interviewing A Good Realtor

• When the Agent Asks You for an Appointment

• Looking Ahead - Buyer's Remorse

• How FHA and VA Financing Affects Your Offer-Extra Costs for the Seller More Detailed (and expensive) Appraisals

• You and the Seller Must Agree on Some Services Settlement and Escrow

• Title Insurance Companies

• Termite and Pest Inspections

• Buyer's Remorse- Did You Make a Huge Mistake?