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For Home Buyers and Realtors
Our site is filled with tips and tricks to help you understand and navigate the mortgage and home buying process with ease!
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The tools and information that should have been taught in school.
Assumable VA Mortgage – Pros and Cons
Discover the pros and cons of VA assumable mortgages, learn how they work and expert tips to navigate the process with confidence.
Debt to Income Ratio Calculator
Understanding Debt-to-Income Ratio (DTI) and Its Impact on Your Mortgage Qualification. In this article, we’ll break down what DTI is, how to calculate it, and why it’s such an important metric in the mortgage approval process.
Veterans Guide to Hawaii VA Home Loans for 2024
The VA home loan is one of the best available benefits to Military Veterans. If you are home shopping and eligible for a VA loan, this may be the best option for you and your family.
Navigating High Mortgage Rates: A Guide for New and Move-Up Homebuyers
Navigating the current high mortgage rates is daunting for new and move-up homebuyers. Understanding how to effectively manage these rates is crucial in achieving homeownership.
How to Stop Annoying Telemarketing Calls After Applying for a Mortgage
Have you ever been bombarded with dozens of unwanted calls after applying for a home mortgage? Here’s how to prevent that from happening in the future…
2024 Conventional Mortgage Loan Limits Increased
On November 28, 2023 the Federal Housing Finance Agency (FHFA) announced an increase in these limits for calendar year 2024 to base amount of $766,500 with a “high balance” option for higher cost Counties up to $1,149,824.
Navigating the New IRS Tax Brackets: Understanding the Impact on Homeowners
As the tax season approaches, it’s crucial for homeowners to stay informed about the latest changes in the IRS tax brackets. The year has brought significant updates, reshaping how we approach tax planning, especially for those owning homes.
Mastering the Market: Your Strategic Guide to First-Time Home Buying
This guide is designed to provide you with all the essential information you need to navigate the home-buying journey with ease.
Should I Buy a Home Now or Wait Until Interest Rates Drop?
Interest rates have been on an upward trend over the last year or so and have more than doubled from their 2021 lows. As a homebuyer, seeing mortgage rates rise can be disheartening and make you question if now is still the right time to purchase real estate. However, there are several factors to consider as you ponder which decision is right for you and your family.
5 Tips for First Time Real Estate Investors
Real estate investing can be a great way to build wealth and diversify your portfolio. If you already own a primary residence, you have a unique advantage over others who are just starting out: you have experience buying and maintaining a property. However, investing in real estate is a different game altogether, and there are many factors to consider before taking the plunge.
The VA Home Loan for Active Service Members – How It Works, Advantages and Eligibility
Explore the features and advantages of a VA home loan with this comprehensive guide. Learn about VA eligibility, credit requirements, multiple VA loans, joint VA loans, and more. Get informed and make the best decision for your home financing needs.
Rent or Buy? What is the Best Option for Building Long Term Wealth?
When it comes to wealth building, renting or buying a home offers two distinct paths. Depending on your situation, either path can actually be good to build wealth over time. We’ll discuss the pros and cons of each option.
Articles for Real Estate Agents
Assumable VA Mortgage – Pros and Cons
Discover the pros and cons of VA assumable mortgages, learn how they work and expert tips to navigate the process with confidence.
Understanding The Unique Hawaii Closing Timelines
In the State of Hawaii, there is some confusion surrounding the “closing date” for real estate purchase transactions. The actual closing date occurs when the transaction officially records with the State of Hawaii Bureau of Conveyances, 2 business days after all mortgage proceeds (if applicable) and home buyer closing funds are deposited and cleared with the escrow company handling the transaction.
The Important Difference Between Pre-Qualification and Pre-Approval.
Many professionals in the real estate industry use the terms, “pre-qualification” and “pre-approval” interchangeably but there is an important difference between the two.
Mortgage Financing Basics – Part I
This article lays the foundation for the remaining Mortgage Financing Basics articles by explaining the basics of the debt-to-income ratio and calculating the maximum housing payment for your buyers.
Mortgage Financing Basics – Part II
In part II, we’ll demonstrate how lenders pre-qualify your home buyers and how you can determine your buyer’s maximum purchase price depending on their down payment and loan type.
Mortgage Financing Basics – Part III
In part III, we estimate maximum buyer purchase price with Private Mortgage Insurance (PMI) included and determine how it affects your buyer’s max qualification.
Mortgage Finance, made simple.
Becoming a home owner and investing in real estate is so important that understanding how to do so should really be taught in school.
Until the education system catches up with the 21st century, discover all you need to know to make your home ownership dreams a reality, right here!