California Real Estate

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The process for purchasing a home in California is different from the procedures that are used in other states. Unlike the East Coast, attorneys are not used to complete the sale of real estate. Instead, an escrow is used. Once you have located a home you want to buy, you will begin hearing people talk […]


How To Use Equity To Your Advantage

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Once you have purchased a home and are making monthly payments, you are in the process of building equity. The opportunity to use the equity you have built up in your home is one of the benefits of homeownership. The equity you have built up can be used for many purposes on your advantage. Many […]


Debt To Income Ratio It S Just As Important As Your Credit Score When Buying A New Home

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Your debt-to-income ratio (DTI) is a simple way of calculating how much of your monthly income goes toward debt payments. Lenders use the DTI to determine how much money they can safely loan you toward a home purchase or mortgage refinancing. Everyone knows that their credit score is an important factor in qualifying for a […]


Educated Consumers Can Save Money On Mortgages

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Not only is owning a home an integral part of the American dream, but our home is likely the biggest purchase we will ever make and the biggest asset – or liability – we will ever have. Until about a year ago, of course, no one would have imagined that a home could be a […]


Budget For Closing Costs Prepaid Loan Interest And Home Insurance Premiums

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Entering into escrow on a home can be both exciting and stressful. The excitement comes from knowing you are close to moving into the new home. The stress comes from issues that will arise. Budget for Closing Costs – Prepaid Loan Interest and Home Insurance Premiums As part of any closing, you need to go […]


Real Estate Industry Problem Mortgage Fraud

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Mortgage fraud may continue to plague the real estate industry. Maybe, I am seeing only the 20% Fraud for Property/Housing, as defined by The Federal Bureau of Investigations. Reasons why mortgage fraud may continue: 1) The escalating cost of housing and the “American Dream” of owning your own home. 2) Licensing for real estate agents […]


What Happens To My Mortgage When I Sell My Home

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You’ve decided to make the plunge and sell you home. More than a few people have innocently asked me, “What happens to my mortgage when I sell my home?” What Happens to My Mortgage When I sell My Home If you own a home, you undoubtedly are carrying a mortgage on it. A mortgage is […]


Buying Foreclosure Homes You Win By Offering The Homeowner Options

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In teaching workshops on how to buy foreclosure homes (often listed on a foreclosure auctions report), I often write on the markerboard in big bold letters, “Gain They’re Trust to Close More Deals”. The principle of gaining the trust of the homeowner threatened with foreclosure is a deal-maker. If they trust you, they are more […]


Home Buying What Can You Afford

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Okay, you’ve decided to buy a home and are trying to figure out what you can afford. Before you go home buying, you need to carefully consider what you can afford as far as a mortgage payment. Mortgage Payments The first step you should take in determining what you can afford is to talk to […]


Want To Buy Real Estate Get Financed With Real Estate Loans

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Buying a real estate property requires huge investments which may not be immediately available to most of the people. Real estate loans can arrange the best funding deal for you when the need is big and urgent. Real estate loans are the loans for covering up that shortfall of money for a short-term. You can […]


Follow Up The Key To Successful Closings

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If everyone always did everything they said they’d do, we’d all be a lot richer. Unfortunately, tasks are overlooked, and the ball is often dropped. If you want to have successful closings, you must have strong “follow-up” skills to catch problems early in the process. Follow-up on everyone and everything. I can’t begin to tell […]


Know These Before Buying A House In California

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Buying a home in California for the first time can be overwhelming for many first-time buyers. Very few homebuyers know where and how to begin the search to find a suitable one. You, as a first buyer, must know certain facts before buying a house in CA. 1. Budgeting-Budgeting for a CA home is the […]


Finding The Right Mortgage For Your Utah Home

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Mortgages are a funny thing. There are more lenders out there than one can shake a stick at, and beware; not all of them are scrupulous. According to statistics approximately 30% of the mortgage brokers operating in the U.S. are considered to be suspicious or do not meet the standards of proper business practices. Ask […]


Selling Your Home Don T Be A Victim

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Selling your home can be a complex process. If you make mistakes, you may be unable to sell you home or have seller’s remorse. There’s no need for this if you keep in mind the following. Overpricing Your Home It’s important to be realistic about the value of your home. Sellers should insist their realtors […]


Banks Profit Big Killing Real Estate Values

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Banks Profit Big Killing Real Estate Values Everyone is aware now of the slow housing market and the fact that many people are losing their homes. There is, however, another segment of the housing market that is seldom spoken of, but which is also being hard-hit by the current situation. And the banks – who […]


Real Estate Financing Ten Ways

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Do you remember when real estate financing meant you saved up enough to put 20% down on a house, and then you got a mortgage loan for the other 80%? Well, you can still do that, but there are many more options now. Here are ten of them. 1. Gifting programs. In some parts of […]


Maximize Your Commercial Real Estate Financing

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Locating financing for every commercial project is not always an easy feat. Many items can affect the acceptance of a loan, how much is loaned, and under what specific terms the loan is given. As a commercial real estate insider, it is important to always be completely prepared when approaching a lender, whether it is […]


How You Can Use A Mortgage Loan Modification Prevent Foreclosure

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Mortgage modifications are become more and more common, with the rising foreclosure rates in the United State, until recently mortgage, companies have been reluctant to provide help to people facing foreclosures by utilizing a mortgage modification program. Lenders are starting to use them more often not with the huge influx in homeowners that are in […]