Posts in category 'Real Estate Blogs'
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14
3 steps to prepare your credit for homeownership
(BPT) - Homeownership is a dream for many Americans, and maybe it's one of yours as well. Making this dream a reality requires hard work, dedication and the proper preparation. You must figure out where you want to live, what type of home you desire, what you can afford and also how your credit rating may impact your home-purchasing goals.
Your credit rating can play an important role in the home buying process, and your creditworthiness could also affect the amount that you can borrow, the interest rates you will qualify for and your ability to obtain a mortgage loan in the first place.
'A consumer's credit is one of the biggest factors that goes into the mortgage-application process,' says Eric Hamilton, President of Vanderbilt Mortgage and Finance, Inc. 'Before applying for a loan, it is cr...
11
6 Back-to-School Transition Tips for Parents
When back-to-school time approaches, it is important for parents to ensure their children know what to expect.
"Parents need to begin transitioning children into the back-to-school routine early enough so they have time to adjust -- mentally and physically," says Richard Peterson, Kiddie Academy Educational Child Care vice president. "Waiting until right before school begins is not an effective strategy for a smooth start to the school year."
To help get your children acclimated to the start of a new school year, start by:
Getting children excited. Get your children ready for school by making back-to-school shopping a family affair. During a shopping trip for new school supplies, let children cross off items...
7
Mortgage Rates Trickle Down
As uncertainty about the economy pushes Treasury yields lower, average fixed mortgage rates have moved down for the third week in a row, according to the recent Freddie Mac Primary Mortgage Market Survey® (PMMS®).
Dipping just below four percent, the 30-year fixed-rate mortgage (FRM) averaged 3.91 percent with an average 0.6 point. The 15-year FRM averaged 3.13 percent, also with an average 0.6 point.
In addition, the 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.95 percent with an average 0.4 point. The 1-year Treasury-indexed ARM averaged 2.54 percent with an average 0.3 point.
Source: Freddie Mac
Published...
31
New Homeowner Tips – 5 Do's and Dont's
New Homeowner Do's:
There are a few home maintenance projects that should top the to-do list of every new homeowner. According to a recent ar...24
Homebuyers Today Reap Rewards Quickly
Though some homebuyers who bought 10 years ago have not broke even on their investment, buyers today can break even in two years or less, according to a recent Zillow® analysis. Nationally, homebuyers today can break even in an average of 1.9 years.
"It's very clear that when it comes to maximizing gains from an investment in real estate, timing really does matter a great deal," says Zillow Chief Economist Dr. Stan Humphries. "However, timing isn't everything, and trying to time the market perfectly is incredibly difficult, even for professionals.
"There are any number of factors to consider when purchasing a home, only one of which is the potential for financial gain," Humphries adds. "Potential buyers should always place their personal needs and their family's needs first, and make the decision to buy only when...