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Should you Refinance your Adjustable-Rate Mortgage?
Category: Real Estate/Mortgages
... a good credit rating, a steady income, and a certain amount of equity in your home. Bear in mind that taking out a new mortgage will mean another round of closing costs, and you may also have to pay ...Wednesday, 26 December 2007 -
How Much Can You Afford to Borrow?
Category: Real Estate/Mortgages
... into account closing costs, which are normally three to five percent of the property's value. Calculating Your IncomeTo calculate your income, include any verifiable regular income. Verifiable ...Wednesday, 26 December 2007 -
Make your condo purchase a smart one
Category: Real Estate/Buyer
... fees and special assessments for maintenance costs; (3) policies and rules you don’t like -- such as no pets or no rentals; (4) poor-quality maintenance or management which affect enjoyment and resale ...Wednesday, 26 December 2007 -
Pros and Cons of Buying Fixer-Upper Home
Category: Real Estate/Buyer
... offset the costs you won't recoup with cosmetic enhancements that will return more than you invest. Cosmetic fixers provide the greatest opportunity in terms of return on your investment. If possible, ...Wednesday, 26 December 2007 -
From the Roof to the Floor, It's Always Wise to Determine Lifespan
Category: Real Estate/Buyer
... build up is the leading cause of dryer failures. It often causes drying times to increase dramatically, which wastes energy and costs more money. Water Heaters Storage tank water heaters usually ...Wednesday, 26 December 2007 -
Top Renovation Mistakes
Category: Real Estate/Home Improvement
... in others to reduce your costs. Going Against the Norm Particularly if you're renovating with the intent to sell the property afterwards (or even several years into the future), it's important ...Wednesday, 26 December 2007 -
Is it Time to Sell?
Category: Real Estate/Seller
... remodeling should you decide to sell in the future. Additions such as pools and home offices, for example, rarely recover their costs. When to Remodel If you have the patience for a big renovation ...Wednesday, 26 December 2007 -
When to Fire Your Mortgage Lender
Category: Real Estate/Mortgages
... increases the likelihood that you won't be able to meet your monthly payments, costs you more in interest, and simply lines the pockets of those you're borrowing from. Similarly, be wary of lenders ...Wednesday, 26 December 2007 -
Choosing Your Ideal Neighborhood
Category: Real Estate/Buyer
... as a top priority when considering where to live. Try going to HomePages.com -- where you can view homes for sale and the nearest amenities on an interactive map. Costs in Addition to the MortgageIn ...Wednesday, 26 December 2007 -
TV star reveals home-flipping secrets
Category: Real Estate/Home Improvement
... to create a profitable home-flipping business. Especially useful is the emphasis on budgeting for virtually every expense and projecting net profits after resale costs, even including the capital ...Wednesday, 26 December 2007 -
Tips for First-time Buyers
Category: Real Estate/Buyer
... get a loan. If you must have that new car, wait until closing is completed before you buy so that your purchase doesn't affect your mortgage eligibility. Investigate "Hidden" Costs Closing costs ...Wednesday, 26 December 2007 -
The Most Common Home Defects and Solutions
Category: Real Estate/Home Improvement
... wiring, or lack of GFCI (Ground Fault Circuit Interrupters). These are all common yet potentially very hazardous and need to be fixed when purchasing a home. The average costs of repairing a faulty ...Wednesday, 26 December 2007 -
Cut Your Closing Costs
Category: Real Estate/Buyer
Closing is the point at which a contract between a buyer and a seller is executed, and the title to the property changes hands. This process has a variety of associated costs, most of which are paid ...Wednesday, 26 December 2007 -
All About Escrow Accounts
Category: Real Estate/Mortgages
... as well as earnest money (a small deposit made by the purchaser as a show of good faith, to demonstrate that the offer on the property is serious) and closing costs. To prevent closing delays, the ...Wednesday, 26 December 2007 -
Mortgage Glossary
Category: FAQs/General
... to as the "note rate"), and is the rate used to calculate your monthly payments. The amount of interest you pay, as determined by your Actual Rate, is only one of the costs associated with your loan; ...Wednesday, 26 December 2007 -
Everything You Need to Know About Mortgage Interest Rates
Category: Real Estate/Mortgages
... Costs Lenders are not required to disclose all costs in the Good Faith Estimate. Hidden costs include document delivery fees, notary fees, and processing fees, and these are often higher than they ...Wednesday, 26 December 2007 -
Is an Interest-only Loan for You?
Category: Real Estate/Mortgages
... equity. If you're forced to sell up and move much sooner than you expected, you may end up losing a significant amount of money in agent fees and closing costs - and you've got no equity in the house ...Wednesday, 26 December 2007 -
How to Find the Best Loan for You
Category: Real Estate/Mortgages
... of loans, they may have higher loan-to-value ratios. An FHA loan is best for someone who doesn't have perfect credit and individuals who need low down payments and low closing costs. VA-Guaranteed ...Wednesday, 26 December 2007 -
How to Finance a Remodel
Category: Real Estate/Mortgages
... do yourself. On contracted work, start with a firm bid and add 10% for "surprises." On work you’ll do yourself, draw up a detailed list of materials and costs (including equipment rental) and add ...Wednesday, 26 December 2007 -
Smart Ways to Stay Cool
Category: Real Estate/Home Improvement
... summer has been no exception. Here are quick tips to keep air conditioning costs low while staying cool: Install a programmable thermostat. You can set the thermostat temperature according to time and ...Wednesday, 26 December 2007 -
How to Avoid Paying the Capital Gains Tax
Category: Real Estate/Mortgages
... is low enough). Now for a little math. Capital gains are calculated by the net selling price (sale price minus real estate commissions and closing costs) minus the adjusted basis (original cost plus ...Wednesday, 26 December 2007 -
The New 40-Year Mortgage
Category: Real Estate/Mortgages
... longer to build equity, it means your costs are higher - for example, if you have private mortgage insurance, you'll be paying it for a lot longer than with a 30-year loan, because you must pay the ...Wednesday, 26 December 2007 -
Best Way to Buy Home That Needs Repairs
Category: Real Estate/Buyer
... to repair the problems. Or they could ask for a monetary credit at closing to offset some or all of the repair costs. There are pros and cons to the various options, depending on the situation. Before ...Saturday, 22 December 2007 -
What's Your Sales Strategy?
Category: Real Estate/Seller
... process, what do you want to stand firm on, and where are you willing to compromise? Consider such things as: The length of the closing period. Who pays closing costs? Who pays for repairs that ...Saturday, 22 December 2007 -
Increase Your Home’s Value through Energy Efficient Upgrades
Category: Real Estate/Home Improvement
... its value due to the resulting lower monthly utility costs. Insulation Good insulation is perhaps the most effective way of improving the energy efficiency of your home. However, some insulators ...Saturday, 22 December 2007 -
How to Avoid 8 Costly Moving Mistakes
Category: Real Estate/Buyer
... on the outside of the box, you won't have to dig through several boxes marked "kitchen" just to find a pan. 8. Not keeping your receiptsIf you're moving closer to a job, your moving costs may be tax-deductible. ...Friday, 21 December 2007