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Federally Insured Mortgage Loans and Divorce SituationsJody BrunsA FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower inc...
For the last couple/three years, we have all given our clients the line about how affordable it is to buy a new home with low interest rates. Do we really understand what the “Affordability Window” is and are we prepared to explain to our clients that the window may be shrinking so it’s time to b...
It's great getting new clients - whether selling a new home or closing a new loan. Sometimes we don't realize how our hand in a transaction plays into other facets of our client's circumstances.  Take Marital Property vs. Separate Property for instance. Generally, there are three basic questions ...
I received quite a few inquiries to further elaborate on my Price-to-Rent Ratio post, so here goes: Even though we can do a quick calculation of the Price-to-Rent Ratio: what does that number really mean? Boiled down – just remember that if the number is lower than 20% it is in the best interest ...
Breaking Down the Price-to-Rent Ratio in Your MarketThe price-to-rent ratio is a measure of the relative affordability of renting and buying in a given housing market. It is calculated as the ratio of home prices to annual rental rates. So, for example, in a real estate market where, on average a...

Jody Bruns, CDLP

Niche Marketing Expert in Real Estate & Mortgage
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