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CJ HarringtonKeller Williams Realtywww.email@example.com Date: 10-05-07 Waiting on an interest rate can cost home buyers more than they think... "The sooner, the better" may be the best strategy for buying houses. That's because lower interest rates can actually mean higher costs for those who delay the purchase of a home too long. When there are fluctuations in mortgage rates, Americans have a habit of waiting just a little while longer, hoping to save thousands of dollars as the rates dip lower. But, even if the rates do fall further, that waiting strategy can actually cost you more. For (0 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.org Date: 10-05-07 Points are an investment on which the return consists of lower mortgage payments in the future and a lower loan balance if the loan is paid off before term, which almost all are. The investment makes sense for borrowers who have the money and find the return high enough to be attractive. The standard view is that the borrower's time horizon must be quite long to make points worthwhile -- I have made this statement myself many times. However, when I recently calculated rates of return for different types of mortgages, I (2 comments)
CJ HarringtonKeller Williams Realtywww.email@example.com Date: 10-05-07 In recent weeks, online articles have overflowed with messages of distress from borrowers faced with an imminent rate adjustment on their adjustable-rate mortgages (ARMs). Most of them want to refinance, but many of those who had earlier taken 100 percent loans are stuck. With the current softness in the housing market, they now owe more than their homes are worth. Lenders are strongly resistant to refinancing loans with balances exceeding property values. Furthermore, a great majority of the borrowers don't have a clue as to exactly what is going to happen to (1 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.org Date: 10-05-07 Buying a home is the biggest financial investment most of us will ever make. As with any large project or goal, it requires dealing with a variety of complex issues. The best approach is to divide the process into manageable tasks. The following deals with the first steps of gathering your records, determining what you can afford, and understanding mortgage options. The first step you should take is to put your own finances back in order. Before you go looking for a home, you should determine how much home you can afford. (1 comments)
CJ HarringtonKeller Williams Realtywww.email@example.com Date: 10-05-07 So, what exactly does subprime mean anyway? Well, subprime references the borrower's credit rating, so the easiest way to avoid getting a subprime loan is to have a prime credit rating. Don't know your credit rating? I suggest you take a journey online and do some research then. There are many available credit scoring sources online. For example, Bankrate.com offers a FICO score estimator to get a free estimate or pay for your credit score from one or more of the three main credit bureaus -- Equifax, Experian or TransUnion. So, make (0 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.org Date: 09-28-07 Every home owner should be aware if they are not already, that buying property is a numbers business. This means that the smart homeowner/investor should not only put in the time to know where their current home expenses occur, but should also be aware of the possible risks and expenses they may take on in the future. With this in mind, below is a list of possible situations I feel you should be aware of, and know how to protect yourself and your home against. Number one, a fire destroys only (1 comments)
CJ HarringtonKeller Williams Realtywww.email@example.com Date: 09-28-07 The first and foremost reason is to protect possibly the most important investment you'll ever make - the investment in your home. With a title insurance policy, you as the owner, have an indemnity contract that will reimburse you for loss in the event someone asserts a claim against your property that is covered by the policy. So, now you might be interested to know, how can there be a title defect if the title has been searched. Well, title insurance is issued after a careful examination of copies of the (0 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.orgDate: 09-28-07
Real estate has traditionally been a family's most valuable asset. It is a form of wealth that is protected by many laws. These laws have been enacted to protect one's ownership of real estate and the improvements located on the land. The owner, the owner's family, and the owner's heirs have extremely big rights or claims in and to the property that you are buying. Those who may have an interest in or lien upon the property could be governmental bodies, contractors, lenders, judgment creditors, the Internal Revenue Service, or various other (0 comments)
CJ HarringtonKeller Williams Realtywww.email@example.comDate: 09-21-07 Many retirees are planning to access home equity, hoping it may make the difference between a comfortable retirement and just getting by. This article considers some of the strategies for tapping home equity, such as moving to a more affordable residence or obtaining a reverse mortgage. So, what should you do before you start? Firstly, talk with your spouse or partner about using your home to help finance retirement. Next, consider whether your plans are realistic. For example, ask yourself whether you could really downsize to a smaller home. Also, begin looking into the (0 comments)
Sellers; REMODELING: Strongsville Real Estate - 10/15/07 10:07 AM
By: CJ Harrington Keller Williams Realty Date: 09-21-07 Quite often, it is necessary or desirable to remodel your home. This article provides an overview of some of the economic and stylistic issues that you should consider when undertaking this endeavor. So, when you are ready to get started, consider whether the renovations you have in mind will justify the cost. This simple fact has become a serious problem in today's market as many sellers cannot recoup the cost of many of their household investment just simply because they we not worth it in the first place. Another good suggestion is to (0 comments)
Sellers; YOUR FIRST HOME: Strongsville Real Estate - 10/15/07 10:03 AM
By: CJ Harrington Keller Williams Realty Date: 09-21-07 Finding the right first home starts with a price range and a short list of desirable neighborhoods. But there are many other factors you'll need to consider before investing in what may be your biggest asset. So, before you start, review your budget, choose an expert, and educate yourself by looking into some how to guides. Home ownership is the cornerstone of the American Dream. But before you start looking, there are a number of things you need to consider. First, you should determine what your needs are and whether owning your own (0 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.org Date: 09-21-07 These days, I hear many complaints from home sellers: "It's been on the market for nine months with without even a nibble." "I cut the price three times, and it still hasn't sold." "Three other houses on my block are up for sale, so I took mine down." In a buyer's market, sellers not only compete with each other, they are also in competition with themselves. Typically, the first thing sellers think about doing to make their houses more marketable is reducing the price. Very often, that doesn't work, because even though (0 comments)
09-15-07 The sad reality in today's market is that lenders are tightening their funds, and subsequently, they expect buyers to do the same. This means, lenders now make certain mortgage applicants are gainfully employed, are sure borrowers can actually afford to pay the mortgage during its full term, make sure applicants have near perfect credit and more carefully document that buyers have the cash to cover additional costs that come with home ownership as well. Yet, if people were really responsible for their own financial behavior that would have taken the power (1 comments)
09-15-07 Whether you want to buy a house for personal use or as an investment, the first step is knowing how to cope with today's market. So, what are we dealing with in today's market? Currently, we are facing what I like to call slump in the housing market. Sellers are in disbelief as to what their home is currently valued at, and buyers are taking full advantage of the excess supply and offering low to dismal bids in order to find the seller who is willing to jump. Which is reality, (0 comments)
CJ HarringtonKeller Williams Realtywww.email@example.com Date: 09-15-07 Today, the average homeowner is frustrated by the size of their home. The reasons extend from inability to finance up all the way to difficulty in maintenance. Yet, instead of feeling cramped, a growing number of Americans are finding they have more home than they want or need. The reasons are numerous. Baby boomers, 77 million strong, are looking to downsize in retirement. Young homebuyers are finding it increasingly difficult to afford or maintain larger homes. Urban land is at a premium. Plus, smaller homes in desirable neighborhoods are scarce or (0 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.org Date: 09-15-07 A lease to own home is an option to purchase the property within a specified time period at an agreed upon price. Generally, the borrowed (renter/possible buyer) pays an option fee to the seller of 1 to 5 percent of the price. Also, the borrowed will pay rent and an additional rent premium that is credited to the purchase price. So, if the option is not exercised, the buyer loses both the option fee and the rent premiums. Just like many financial transactions, the lease-purchase option can be structured in (1 comments)
Posted by: CJ HarringtonKeller Williams Realtywww.email@example.com Date: 09-09-07
In recent news, the delinquency rate for mortgage borrowers spiked higher in the second quarter and the number of homes entering the foreclosure process hit a record high. Delinquencies hit 5.12 percent of all outstanding mortgages, up from 4.39 percent a year ago, the Mortgage Bankers Association (MBA) said in a quarterly survey. Furthermore, serious delinquencies, those 90 days or more, jumped to 1.11 percent of all loans, from 0.98 percent in the first quarter. The loans actually entering foreclosure proceedings stood at 0.65 percent, a rise from 0.58 percent (2 comments)
CJ HarringtonKeller Williams Realtywww.firstname.lastname@example.org Date: 2008 Buying a home involves several stages. Below briefly I explain the more common steps during a residential transaction. Okay, when beginning you home search, and after you decide you need a professional real estate agent, you will begin by scheduling an initial meeting. This meeting will enable you to see the qualification of your agent and your agent to determine your needs and wants as well as you financial eligibility for this transaction. Next, your loan qualification will take precedence. Here, you will discuss finances and obtain prequalification. Then you will (1 comments)
It's always a good market in real estate -- when you know what you're doing. Structuring transactions, arranging financing and finding the right buyers are some of the keys to success. There are few entities that know as much about the trends in today's market as your local real estate agent or broker. In today's market, real estate has become a very complicated business. Selling or buying a home can be one of the most important financial transactions in your life. That's why it pays to work with a professional (0 comments)
CJ HarringtonKeller Williams Realtywww.cjharrington.com email@example.com
Negotiation is the one skill that can make or break a deal. You may believe you already know all there is to know about this topic, but any good agent knows that there is always room for self evaluation. They should know that in today's market the learning curve is raised and the competition is fierce, so when focused on always becoming a better agent or even a better competitor in today's marketplace it is important to know as much as you can about one of the (2 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.