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mortgage: Know What You Want In a Home - 06/13/08 08:42 PM
Know What You Want In a Home
This evening my friends and I are hanging out in my family room. As I'm sprawled across a chair, enjoying the camraderie, I remember the importance I placed on a family room while I was home shopping. I wanted a home that was comfortable, welcoming. For … (4 comments)
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mortgage: Mid Hudson Valley - It's Time to Buy! - 06/11/08 05:49 PM
Mid Hudson Valley - It's Time to Buy
Despite what you may hear in the media, now is a good time to buy a home. Mortgage rates remain in the historically low range. Sellers are more willing to negotiate. Inventory is stabilizing, as is the number of days a … (6 comments)
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mortgage: 100% Financing AND No Mortgage Insurance: A Home Buying Strategy - 04/29/08 01:13 PM
100% Financing AND No Mortgage Insurance: A Home Buying Strategy
No down payment, 100% financing, no money down - these phrases are not often heard in today's mortgage environment. Most mortgage professional are now touting FHA ,or 3% down. There are two mortgage products that allow 100% financing and also eliminate the need for mortgage insurance. One of my clients … (0 comments)
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mortgage: Pay More Than the Minimum Payment - A Credit Strategy - 04/19/08 04:58 PM
Minimum Payments Are the Floor, Not the Ceiling
Let's say you're going on a well-deserved cruise, and you want to look your best. So you run to your favorite store, buy a piece of luggage, a couple of great outfits, evening attire and shoes - what wardrobe is complete without them … (3 comments)
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mortgage: Pay Your Bills On Time - A Credit Strategy - 04/11/08 06:57 PM
Pay Your Bills On Time, Every Month
This sounds so elementary, but you'd be surprised how many people miss this point. I know of someone who paid his credit card bills quarterly. Since they were paid in full, he believed this was acceptable. Be sure to pay at least the minimum … (2 comments)
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mortgage: How Important Is your Credit History? - 01/18/07 11:48 AM
Your credit history can greatly impact your life. It can influence your ability to obtain a mortgage loan and terms of that loan, along with many other aspects of your financial history. Many employers now include credit history as a qualifying tool during the hiring process.
Your credit history is the gateway … (2 comments)
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Sharon Brown
Middletown, NY
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