Investment property

4 Simple Strategies to Shave Years Off Your Mortgage

Posted by on Mar 18, 2015 in Credit, Investment property, Retirement, Tips | 0 comments

No one wants to spend longer making mortgage payments than they have to. The obvious way to pay off a mortgage faster is to get a shorter-term loan, like a 15-year instead of a 30-year. But on a $300,000 home purchase with 10 percent down, you’ll pay about $620 more per month on a 15-year loan than on a 30-year loan (including mortgage insurance), which might be too expensive for you. So how do you fix your budget with a loan you can afford, yet still pay it off early if you have extra money? Here’s a look at four common approaches.   Refinance and then reinvest savings It’s always prudent...

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Is It Too Hard To Get a Mortgage?

Posted by on Nov 4, 2014 in Investment property | 0 comments

Brief history of the mortgage industry The global financial crisis that began in August 2007 was set off by bad mortgage lending. Until the 1980s, consumer banking held to a simple “savings and loan” model in which community bank reps knew their clients’ finances intimately and could make common sense loan approval decisions; and lenders funded home loans from deposits with modest home price increase expectations. Then an innovation called loan securitization enabled community banks to sell pools of loans to Wall Street firms, who would create investment funds out of those mortgage...

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6 Common Obstacles Remodelers Face

Posted by on Oct 31, 2014 in Home Decor, Investment property, Real Estate, Staging Your Home for Sale | 0 comments

6 Common Obstacles Remodelers Face The do-it-yourself movement is on the rise, and while revamping your home’s interior without professional assistance is a financially savvy move, it’s also one full of potential roadblocks. 1. Settle on a theme When tackling home design my biggest problem is trying to keep it cohesive and flowing from room to room, go eclectic. While cohesive style is classic, assorted designs are trending. Mix and match without going overboard by combining large, traditional living spaces with small, bright and bold powder rooms or entryways. 2. Prepare ahead of time...

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How to Buy a Home in One Market While Selling in Another

Posted by on Oct 17, 2014 in Investment property, Real Estate, Tips | 0 comments

How to Buy a Home in One Market While Selling in Another Someone being transferred for work or making a major move for personal reasons may end up selling in one market and buying in another. The ideal scenario would be to sell in a sellers’ market and buy in a buyers’ market. The worst-case scenario is to do the opposite.Here are some tips for buyers and sellers in any market. Know before you go The days of a national estate market are gone. Today, markets vary by state, town, city and even block by block. But most people don’t realize this. So it’s important to start by researching the...

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How to Close up your Summer Home

Posted by on Sep 26, 2014 in Investment property, Real Estate, Tips | 0 comments

When leaving your vacation home for an extended length of time, it’s important to winterize the property to help ensure it’s in great shape upon your return. Unless you plan to sublet your home, there are a few essential things you can do to help protect your house through the cold months ahead before departing for the season. Evaluate To avoid facing any last minute obstacles, start evaluating the condition of the property a few weeks prior to leaving. Examine the exterior closely, checking the foundation, siding and trim for cracks and crevices. After inspecting the entire home for...

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Difference between a foreclosure and short sale

Posted by on Sep 22, 2014 in Investment property, Real Estate | 0 comments

When a borrower consistently fails to make mortgage payments over a period of time, the property is foreclosed upon and the lender assumes ownership of the home. While foreclosed properties typically are owned by banks, a short sale property is still owned by the borrower. In a short sale, the seller arranges with his lender to accept a price that’s less than the amount owed on the property. As part of this arrangement, the lender generally agrees to forgive the rest of the loan. Contradictory to its name, buying a short sale property usually takes a lot longer because it’s not just the...

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