apex real estate: Reverse Mortgages Gain Popularity - 12/18/07 07:32 PM
Baby Boomers Retire
Reverse Mortgages Gain Popularity
Born between 1946-1964, the generation known as the Baby Boomers will begin to retire in large numbers, substantially shrinking the labor force in the US. As a result, Social Security, Medicare, and other government programs will be significantly affected over the next … (3 comments)
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apex real estate: Home Buyers Face Decisions that Affect Their Long-Term Financial Picture - 12/07/07 08:30 AM
Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one that best fits your … (0 comments)
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apex real estate: Dealing with Debt After Retirement - 12/06/07 11:52 AM
Dealing with Debt After Retirement
Reverse mortgages designed to help "house rich, cash poor" seniors meet their day-to-day expenses have gained popularity. Equity is taken out of the home, so debt increases and equity diminishes over time, (unless the property value increases and offsets this use of equity).
Many lenders offer … (0 comments)
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apex real estate: Getting Your Business Online - 12/05/07 09:21 AM
Getting Your Business Online
It's Cheaper - and Easier - Than You Think!
When dealing with technology, it seems like the less you know, the more you pay . But that doesn't mean you have to be a computer geek to avoid getting taken for a ride. Armed with a … (5 comments)
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apex real estate: Getting Ready to Move? Here's a Checklist! - 12/04/07 10:26 AM
Getting Ready to Move? Here's a Checklist!
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apex real estate: Understanding the Home Appraisal Process - 11/29/07 10:40 AM
Understanding the Home Appraisal Process
Consumers are often baffled by the home appraisal process. They may feel their home is worth a certain dollar amount, and therefore, the appraised value doesn't make sense to them. It is important to know that appraisal guidelines are dictated by the lenders. In many states, … (0 comments)
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apex real estate: The Art of Home Purchase Negotiation - 11/29/07 10:36 AM
The Art of Home Purchase Negotiation
There is much give and take involved in negotiating a property purchase. That's why it's important to have a checklist of what you want to get out of the deal as a buyer. Bear in mind, the home must be appraised and the lender will … (0 comments)
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apex real estate: Put Balance Back into Your Life; Time Blocking - 11/29/07 10:16 AM
Time Blocking
Put Balance Back into Your Life
Have you ever had your day end and wonder where it went? Have you ever been frustrated by how reactive you have been to "emergency" situations that significantly reduced your productivity?
Many of us have experienced this to an excessive degree in … (7 comments)
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apex real estate: Did you see what happened on Monday? - 11/29/07 10:02 AM
Lowest Rates in 25 Months
We couldn't have asked for a better Thanksgiving treat than the one we got on Monday: the lowest 30-year fixed-rate in over two years. That's right. For those of you who have been patiently waiting, here's your chance to save anywhere from $5,000 to $7,500 … (0 comments)
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apex real estate: Five Tips For First-Time Buyers - 11/12/07 02:05 PM
Five Tips For First-Time Buyers
1. Check your credit before you apply for a loan. You can get a free credit report by contacting one of the big three credit reporting agencies-Equifax, Experian or Trans Union. Do what you can to improve your credit score if it isn't in the excellent … (0 comments)
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apex real estate: Spectacluar Novermber weather in Raleigh - 11/09/07 09:35 AM
As a recent refugee from the so-called "Rust-Belt" I am LOVING the North Carolina fall. Cold at night, 50' and yes even 70's in the day and plenty-o-sunshine!
Check out these spectacular photo's taken yesterday fromt the Cardinal Club on the 29th Floof of the Wachovia Bank Building in downtown Raleigh yesterday.
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apex real estate: Avoid Changes to Your Financial Profile - 11/06/07 07:31 AM
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apex real estate: Tips for Getting a Great Home Loan - 11/05/07 06:55 AM
Did you know a 1% change on a $100,000 loan can change your monthly payment by $72? Imagine how much difference a dramatic change in rates can make in what your monthly payments would be. If you'd like a clear picture of where you stand with today's rates and how much … (0 comments)
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apex real estate: Understanding the Home Appraisal Process - 10/17/07 09:17 PM
<![endif]--><![if !vml]><![endif]>Consumers are often
baffled by the home appraisal process. They may feel their home is worth a
certain dollar amount, and therefore, the appraised value doesn't make sense
to them. It is important to know that appraisal guidelines are dictated by
the lenders. In many states, the lenders must … (0 comments)
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apex real estate: What Lenders Look for in Home Loan Applications - 10/03/07 05:59 PM
What Lenders Look for in Home Loan Applications
Once your loan application is filled out and sent to the lender for review, the first thing they will look for is your ability to payback the loan you are requesting. My team and I have a streamlined loan process to help you … (1 comments)
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apex real estate: What is a 1031 Exchange? - 09/29/07 09:37 AM
What is a 1031 Exchange? A question I am often asked. The IRS Says this about a 1031 Exchange;
“Generally, if you exchange business or investment property solely for business or investment property of a like-kind, no gain or loss is recognized under Internal Revenue Code Section 1031. If, as … (3 comments)
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apex real estate: High Credit Score = Low Mortgage Rate - 09/20/07 04:54 PM
High Credit Score = Low Mortgage Rate
Credit scoring was developed in the 1960s as a means to determine whether or not consumers were likely to repay their loans. The score ranges from 350 to 850 with a higher score being extremely favorable. Essentially, a high credit score translates into lower … (0 comments)
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apex real estate: Interest Rates; When is the Best Time to Lock? - 09/18/07 07:03 AM
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apex real estate: How Much Money Should You Borrow? - 09/09/07 09:17 PM
How Much Money Should You Borrow?
While it might be tempting to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you'll actually need to borrow in order to purchase a new home. From the down payment to taxes … (0 comments)
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