tips for home buyers: NCHousing Lowers Rates Again! 5.75% for 90 Day Lock! - 08/04/08 09:47 AM
NC housing did it again! they have just lowered the rate for FHA/Conventional/USDA Financing, they are offering 5.75 for a 90 days lock and 6.00% for 150 days!
Call me for details;
Ricardo CobosMortgage Banker(919) 559-3384
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tips for home buyers: First-Time Home Buyer Tax Credit/FAQ's and Answers - 08/02/08 07:28 AM
First-Time Home Buyer Tax Credit
Frequently Asked Questions and
Answers
About the First-Time Home Buyer Tax
Credit
The
Housing and Economic Recovery Act of 2008 authorizes a $7,500 tax credit for
qualified first-time home buyers purchasing homes on or after April 9, 2008 and
before July 1, 2009. The following questions … (5 comments)
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tips for home buyers: $7,000 for Down Payment if you are a First Time Home Buyer in Raleigh! - 07/12/08 04:07 PM
A first time home buyer (FTHB) may qualify for up to $7,000 in money for the down payment of their first home so long as they otherwise qualify for a mortgage to obtain that home!
The definition of a FTHB is anyone who in the past three years hasn't owned a … (0 comments)
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tips for home buyers: Make your voice heard today! Save the Down Payment Assistance Programs - 07/07/08 08:46 PM
HUD has proposed yet another rule trying to eliminate charitable down payment assistance programs like AmeriDream, Nehemiah and other Down Payment Assistance Program which are Seller Funded!
This action will prevent nearly One Million qualified homebbuyers across America the opportunity to own a home. Take action today and tell HUD the … (12 comments)
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tips for home buyers: NCHFA Announces 5.99% For First Time Homebuyers! - 07/07/08 02:35 PM
NCHFA Announces 5.99% for First Time HomeBuyers For a 30-year, fixed-rate conventional mortgage with a 90-day lock in! NO POINTS!For the longest time, the North Carolina Housing Finance Agency (NCHFA) was offering rates that were comparable to or in some cases greater than the then current market rates! In some cases they … (2 comments)
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tips for home buyers: Fed Does nothing today - IT'S TIME TO ACT! - 06/26/08 08:16 PM
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tips for home buyers: Tax Tips; Mortgage Write offs to Remember - 02/27/08 11:38 AM
Write-offs to Remember Deductions in the Loan Process
Write-offs are the government's way of rewarding taxpayers when they've done something the government likes. And to judge by the write-offs, the government likes it when people borrow money to buy a house. There are write-offs aplenty, many of which people often … (4 comments)
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tips for home buyers: Why are rates in the Internet Always Lower? - 02/09/08 01:27 PM
Saturday, February 9, 2008
Why are the rates in the Real Estate Section of the newspaper .25 - .50 percent lower?
That is the question I was recently asked by a customer. To him I responded; "that's why we call it the liars section". If you advertise in that section … (4 comments)
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tips for home buyers: Five Reasons to Refiance your Mortgage; Is it time to break your A.R.M.? - 01/11/08 06:13 AM
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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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tips for home buyers: 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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