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The Critical Role of the REALTOR®
Category: Real Estate/National
... Forward verified closing figures to buyer’s agent 175. Request a copy of closing documents for closing agent 176. Confirm buyer and buyer’s agent have received title insurance commitment ...Friday, 11 January 2008 -
The Mortgage Checklist
Category: Real Estate/Mortgages
... to include in the calculation. This may include checking and savings accounts, credit unions, mutual fund and IRA or 401(k) accounts, and security accounts (including stocks, bonds, and life insurance). ...Wednesday, 26 December 2007 -
How Much Can You Afford to Borrow?
Category: Real Estate/Mortgages
... taxes and insurance. How much you pay for taxes and insurance will depend on the value of your property. Property tax rates also vary from state to state, and are usually deductible from federal ...Wednesday, 26 December 2007 -
When to Fire Your Mortgage Lender
Category: Real Estate/Mortgages
... related to closing costs, including inspection costs, taxes, and title insurance. By law you should receive a good faith estimate within three days of your loan application. Similarly, you should ...Wednesday, 26 December 2007 -
The Truth About Private Mortgage Insurance
Category: Real Estate/Mortgages
Private mortgage insurance has become a common way of offsetting the risk for mortgage lenders when buyers have a small down payment. If your down payment on a property is less than 20% of its appraised ...Wednesday, 26 December 2007 -
Choosing Your Ideal Neighborhood
Category: Real Estate/Buyer
... addition to the costs of mortgage, insurance and home maintenance, consider local property taxes and homeowner association fees, if applicable. What's the Future of the Neighborhood?Try to imagine ...Wednesday, 26 December 2007 -
Tips for First-time Buyers
Category: Real Estate/Buyer
... are normally 3-5% of the property's value. In addition, owning a home has associated costs - insurance, property taxes, and maintenance all add up. Plan to spend 1% of your property's value on annual ...Wednesday, 26 December 2007 -
Cut Your Closing Costs
Category: Real Estate/Buyer
... Paying more points can secure a lower interest rate. Title search and insurance - a title search examines a property's historical records to ensure that the seller is the legal owner of the property. ...Wednesday, 26 December 2007 -
All About Escrow Accounts
Category: Real Estate/Mortgages
... payments on property taxes and insurance. Usually a mortgage lender will collect these funds and place them in the escrow account, and then pay insurance and tax bills when they are due. The mortgage ...Wednesday, 26 December 2007 -
Mortgage Glossary
Category: FAQs/General
... there may be others. The Annual Percentage Rate (APR) includes both your interest and any additional costs or prepaid finance charges you might pay such as prepaid interest, private mortgage insurance, ...Wednesday, 26 December 2007 -
How to Find the Best Loan for You
Category: Real Estate/Mortgages
... rates will often reflect this by being a little higher. PMIPrivate Mortgage Insurance is an insurance the borrower purchases in order to secure the loan with the lender. It will usually only protect ...Wednesday, 26 December 2007 -
What should I consider when buying a condo or loft?
Category: Real Estate/Buyer
... while others don't. The association dues usually cover liability insurance for the common areas. The HOA may also carry fire or other insurance for the individual units in the complex. But this will ...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 -
What do School Test Scores Mean for the Value of Your Home?
Category: Real Estate/Seller
... just as eager to snap up bargains in the more popular school districts. They see high-quality schools as "insurance" - even if the real estate market slows, a property in a district with good schools ...Tuesday, 25 December 2007 -
Mortgage Mistakes to Avoid
Category: Real Estate/Mortgages
... to go with that particular lender. Set a Budget to Include Taxes, Insurance and HOA Fees Another major mistake that borrowers often make is not budgeting before they take out their mortgage. In addition ...Sunday, 23 December 2007 -
5 Things to Ask Before Making an Offer on a Condo
Category: Real Estate/Buyer
... with the management company. Insurance CoverageThe insurance held by a condo association covers the actual structure and common elements - areas such as a swimming pool or tennis court - co-owned by ...Saturday, 22 December 2007 -
How to Avoid 8 Costly Moving Mistakes
Category: Real Estate/Buyer
... disaster. Check out the company's references (try to get two), licensing, insurance and length of time in business. 4. Not making a first night survival kitBetter to be safe than sorry. If your shipment ...Friday, 21 December 2007