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Rent To Own or How you can still buy a home with no money out of pocket! - 02/28/08 03:46 PM
***First Off, let me preface this by making something perfectly clear. No matter what program or product you are getting into to buy a home, I highly recommend making sure you have money (reserves) in the bank after your loan closes. Call it 'rainy day' money or whatever you want, you don't want to be financially strapped if something goes wrong. Ownership has its privileges and responsibilities.***
That being said, there are only two ways I know of to get into a home with no money out of your pocket these days. One is a VA loan, a loan for those who … (24 comments)
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Enough! I hate my job!! - 02/24/08 09:11 PM
Catchy title, eh? I don't want this to be a scathing documentary advising the masses to not work in the Mortgage Industry, yet I do want to state a spade as I see it. I learned long ago to never treat or think about another's job as if it was ‘easy' or ‘anybody' could do it. I never wanted to generalize, yet I do. (I'm working on that.)
Back to my point though, sometimes I hate doing what I'm doing. It has more drawbacks than reciting marriage vows with Elizabeth Taylor. I've faced it (not reciting marriage vows with Ms. Taylor), but … (44 comments)
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All ARMS Are Not Broken! - 02/20/08 09:47 AM
There have been mixed reviews about Adjustable Rate Mortgages throughout the Real Estate Industry, our beloved Media, & the General Public as a whole. Personally, I stand by the credence that they are a very good product & tool for some people. Just because Neighbor Bob, who is being transferred to Western Pennsylvania to head up the Academic Advisory Role at Penn State has an adjustable rate, doesn't mean that it's right for you and your particular financial situation. In celebration of keeping it simple, I won't go into a breakdown in which cases that an Adjustable Rate may make more sense than a Fixed Rate, or vice-versa. … (51 comments)
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Did Somebody Say Shopping? - 02/08/08 02:49 PM
It's funny. My mother & father are pretty good with finances, they have a ton of equity in their home and a pretty wide array of money in retirement, stocks, etc. Yet, when it comes to mortgages, they are like most people....they don't really understand them or how to shop for them. About a year ago, they were talking about refinancing and since my firm isn't licensed in the great state of North Carolina, I could only really advise them accordingly. When I mentioned looking not only into their bank, but to a Mortgage Company as well....my father scoffed. Now usually … (44 comments)
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A Long Road To Home... - 02/05/08 08:49 PM
Just two more tries and he would reach his destination...
He rose quickly with his eyes, focusing away from the screen to peer anxiously at the window, staring down the somewhat dim lights that huddled over the city he sat in.
There were moments of unrest, of uneasiness, of unparalleled cynicism directed to his very cause. Would he awake tomorrow morning with angst or extreme passion for what he did and can do? Never sure, he walked slowly from the computer to gaze at last year's statement, providing a black & white example of the worth of the work he put in. It … (37 comments)
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Do you take the Deal when it's not Ideal? - 02/01/08 07:07 PM
I got a call from an old friend of mine shortly after the New Year. He wanted to consolidate his 1st & 2nd Mortgages into one loan at a reduced term, a financially savvy decision for sure. So, onward we went with the process.
Now, this young gent lives in a rather eclectic neighborhood with properties that tend to differ in appearance, size, & condition. His property happens to be one of the nicer ones in the neighborhood, which tends to make its worth not as ideal as one would like. None the less, the appraisal was done and came in at … (70 comments)
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Jason Sardi... Your Agent for Life
Charlotte,
NC
More about me…
Auto & Home & Life Insurance throughout North Carolina
Address: Charlotte, NC, 28204
Cell Phone: (503) 412-9207
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