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insurance: First Time Buyers - Should You Buy a Home in 2012? - 11/09/11 02:32 PM
Low interest rates and still falling home prices make it tempting to buy a house now, but before purchasing, wise buyers are looking at their big picture.Most of those who will buy homes in 2012 will buy because it makes sense for them to do so. Security (at their current employer and in their current field) has a strong impact on the decision to purchase or not, even more than low interest rates.Interest Rates and Mortgage Insurance
Low interest rates sound good, and are good, but what isn't talked about much is that the cost of mortgage insurance has almost doubled … (0 comments)

insurance: FHA MIP on the Rise - FHA Loans Becoming Less Attractive, Costing More - 02/16/11 04:05 PM
FHA Annual Mortgage Insurance Premium just went up another .25%
On a $300,000 loan, this means the monthly payment just went up $62.50 per month!
This goes into effect on loans insured by FHA on or after April 18, 2011.
I hope our new construction buyers with FHA loans have homes to close on before then!
There is surprisingly little coverage on this. Here is one of the few links I could find other than bloggers: Fox News
If you will be buying a home with FHA Financing this spring ANYWAY, you may want to consider beginning your home search a … (3 comments)

insurance: The New Good Faith Estimate (GFE) Form, Page 2 Section B - 11/12/09 01:34 AM

Section B of Page 2 of the Good Faith Estimate (GFE) has 9 parts. Let's go through them.
Item 3 will be a list of required services that the lender will select. These are services necessary in order to complete your transaction. These charges are subject to a 10% tolerance at settlement, meaning that they may be up to 10% higher (but ONLY 10% higher) at settlement.
It is my understanding that the TOTAL of all items listed in these categories is subject to a 10% difference at closing. In other words, an individual item may in fact cost more … (6 comments)

insurance: Homeowner's Insurance and Buying a Home - 05/20/08 08:28 PM
Who Most Clients UseMost clients use the same company they use for auto insurance and/or renters insurance (although some auto insurance companies don’t offer homeowner’s insurance). This is often "the path of least resistance", but that doesn't mean it is a bad choice.
Why Cheapest May Not Be the BestThose who choose to shop other companies may find that they can save a few dollars per month. Some clients who have chosen to use one of these “other” companies have reported that they don’t get a “bundle” discount and often after the first year the rate is raised to higher than … (0 comments)

 
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Benjamin Clark - Exclusive BUYER'S AGENT - Certified Negotiation Expert - SLC, UT

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