Your down payment affects more than just how much you borrow. It can change your monthly payment, mortgage insurance, loan options, cash needed at closing, and how much money you still have available...
Your pre-approval is based on several pieces of your financial picture, including your income, employment, debts, credit, and available assets. If any of those change, we may need to update your...
Your income and credit are only part of the approval. The property itself, type, condition, and how it's used, can affect your loan options, down payment, and whether a home qualifies for financing...
Whether you are preparing to get pre-approved or already have a pre-approval in place, we may ask for financial documents throughout your home search. These documents help us verify the...
As you’re looking at homes, you’re likely paying close attention to estimated monthly payments and comparing them to what you currently spend on housing. If you’re a first-time buyer, you...
When you receive your Initial Disclosures, you may notice some numbers that look unfamiliar or different than you expected. This is completely normal. Before you worry, here is what you need to know.
Depreciation recapture is the tax you owe on the depreciation you claimed while you owned a rental property. Those yearly deductions lowered your taxable income, but they also lowered your cost...
A Delaware Statutory Trust 1031 exchange lets you defer capital gains tax by moving your sale proceeds into a passive, fractional share of institutional real estate instead of buying and managing a...
Murfreesboro packs more into its footprint than most people expect. You will find one of the most significant Civil War battlefields in the country, a historic downtown square, 12 miles of paved...
Alan Greenspan may be the only man who is more interesting than the Dos Equis guy – “who could speak French in Russian…” Mr. Greenspan just passed away, after making an enormous mark on...
I. In the 1520s, Hernán Cortés conquered 10 million Aztecs with only 400 men, largely because he had superior technology (gunpowder, steel, armor, ships). In the 1200s and 1300s, the Mongols...
Safety is one of the first things buyers want to know about Brentwood, and the answer matters more than a vague reassurance. The short version: Brentwood is generally considered a safe,...
Lots of borrowers are unsure what “PITI” means when it comes to their home loan. PITI is a common term used within the mortgage industry to describe the four factors that impact a loan. PITI...
School quality is one of the biggest drivers of where families buy in Oakland, but the city's school system works differently than most people expect. Oakland Unified is an open enrollment district,...
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