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Do You Need to Be “Perfect” to Get a Mortgage?

June 16, 2015 FirstOption_Perfect_Mortgage

When you picture the “perfect” home buyer, what comes to mind? Most likely, it’s a person with an excellent credit score of 740 (if not higher), with enough money in the bank to put 20 percent down, plus extra to cover the closing costs and any surprise expenses that come along, and with enough income […]

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Do Home Buyers Need a Real Estate Option Contract?

May 28, 2015 home buying process

Real estate option contract forms are legal agreements between the seller and the buyer of real estate. A real estate option requires the buyer to pay an option fee for the right to purchase a property. However, it is not a guarantee that you will buy the property; it merely provides you the option to do […]

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Real Estate Mistakes Retirees Should Avoid

May 21, 2015 L

Owning a home as you go into retirement can provide a strong sense of security and financial stability. However, there are some common real estate mistakes retirees make that you will want to be careful to avoid. These include the following: Not downsizing. The sooner you downsize into a smaller property, the sooner you can […]

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Millennials, the Second Largest Generation, are Ready to Become Homeowners

May 13, 2015 M

Right when millennials came of age, built their careers, and had a solid income stream – the market was in a slump and lenders were wary of lending. Now, however, millennial home buyers are finding a more welcoming reception from the housing market. If you’re one of these many buyers, ask yourself the following questions to […]

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What Is the Difference Between Bimonthly and Biweekly Mortgage Plans?

May 11, 2015 M

When it’s time for you to buy a home and secure your mortgage, there is a seemingly endless array of decisions to be made. One of the most important decisions you’ll make is whether you want to made a monthly, bimonthly or biweekly mortgage payment. A monthly payment is the most traditional version and involves a single […]

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How to Effectively Sell Your Home From Out of State

May 06, 2015 S

From a career change to health issues, there are a variety of reasons that may cause you move far away unexpectedly move far away. When instances like these occur, you may find yourself in the unfortunate predicament of having to sell your home when living out of state. Although a challenge, it’s not impossible. Here […]

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Missed Mortgage Payments: Do They Affect Your Credit Score?

April 30, 2015

Does missing a mortgage payment affect your credit score? It absolutely does. But reaching out to your lender to inform them of your financial situation could save you a lot of headache. When you sign your mortgage papers, you are making a promise to your bank that you will pay back the promised amount, at a […]

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