ARCHIVED BLOG POSTS
2021
Pensacola Florida: Your Savings and Down Payment Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. ...
02/21/2021
Pensacola Florida: Items You Need When Applying For a Loan Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often ...
02/21/2021
Pensacola Florida: FICO® Scores and Your Mortgage Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relatio...
02/19/2021
FICO® Score - a Brief Explanation with Charles Stallions When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you’ve made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. “What’s a FICO...
02/19/2021
Charles Stallions Real Estate Cheap Must-Haves to Make Laundry a Breeze Not many homeowners look forward to household chores, but there are few chores that feel quite as endless as laundry. If you dread this seemingly infinite task, there are a few tools that could make your laundry days a little...
02/18/2021
Documenting Your Assets - Verifying Your Down Payment When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are comi...
02/17/2021
Pace Realtor explains Closing Costs When Buying or Refinancing a Home This is a detailed summary of costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender. There are two broad...
02/17/2021
Pace Realtor Adjustable Rate Mortgages - The Basics An adjustable rate mortgage (ARM) has an interest rate that fluctuates periodically. This is in contrast to a fixed rate mortgage, which always has the same interest rate. Every ARM has basic components: An index A margin Adjustment Period An ...
02/17/2021
Pensacola Realtor Explains Adjustable Rate Mortgages - The PROS & CONS Now that you know what an ARM is and how it works, you may be wondering what the advantages and disadvantages are. So let’s explore that issue. Offering adjustable rates allows lenders to transfer part of the interest rate r...
02/15/2021
Pensacola Realtor Explains Why You Do You Need Title Insurance? Title Insurance. It’s a term we hear and see frequently - we see reference to it in the Sunday real estate section, in advertisements and in conversations with real estate brokers. If you’ve purchased a home before, you’re probab...
02/15/2021
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Charles Stallions Real Estate Services charges a flat fee of $2995 PLUS 3% if you want to be in the MLS. What do you get? Our 27 Step Selling System including Your home distributed to over 400 Websites, Premier Agent marketing on Zillow & Trulia, including print advertising in the #1 magazine, Open Houses, Tour Of Homes -Auction style
AND that is just in the first week.
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