Aiming for Approval on your Mortgage Loan Application

Generally there are countless factors when a lender decides on the ultimate approval of the funding of any mortgage loan. Loan Application Approved Showing Credit AgreementIn this article are five details that may surprise you that could actually matter and make a huge difference in order for the mortgage loan agreement to be stamped approved! Do not Shut Any Accounts During the Mortgage Process-- Due to the fact that lenders are evaluating your present-day financial condition, the closing or canceling of [...]

Home Equity Loans For Homeowners in Need of Cash

Home equity loans are referred to as a term loan or second mortgages because they are subordinate to your primary mortgage. If you can’t afford to make your home mortgage payments and subsequently default, the first mortgage gets paid off first from any proceeds of a sale. Because of this, there is even more risk for lenders who give you a home equity loan. Consumers should always understand that with the home equity loan the property owner is basically [...]

The Home Affordable Refinance Program Banks Don’t Want You To Know About

There really has never been a more suitable moment then the present to refinance your existing home mortgage loan ... That's because of an unheard-of government program that's enabling many American homeowners reduce their monthly payments to save an average of $4,130 per year with today's record low rates. This Program is referred to as the' Home Affordable Refinance Plan® or aka: HARP. Homeowners will want to act fast - there is a catch, at present this government refinance package comes with an [...]

Credit Check When Purchasing a Home

A prospective home buyer looking to borrow on a mortgage loan today can compare lenders quotes for their best rate and term offer on a mortgage loan, but these mortgage lenders require evidence from the borrower of a demonstrated ability to pay back the home loan. Living a financially conservative lifestyle and planning ahead for your family is a part of becoming a responsible mortgage buyer with excellent credit.  Focus on building an established trend of borrowing from various lines [...]

Organizing Tips for Small Spaces

Is it a little crowded in your tiny home? Follow these organizing tips to maximize square-footage and storage and make your small spaces look and feel bigger. Build upwards. Organization for the spaces we use most becomes of paramount importance for functionality, especially when we are forced to downsize. Wall units offer slimline storage along walls and can stretch from floor to ceiling. These don’t have to be unattractive or expensive. If you are a DIY person, building a custom unit [...]

Top Kitchen Features Homebuyers

Most homeowners have a vision of what their next home will look like, even before they begin searching. The kitchen is often called the "heart of the home." It is where we gather to share meals and toast in celebration with family and friends. Here are the top kitchen features homebuyers want, according to a 2013 survey conducted by the National Association of Realtors .Respondents that had purchased a home within the past two years were asked what kitchen features ranked highest. [...]

5 Home-Selling Secrets

One of the best secrets of home-selling is to spruce up the yard, walkways and porch to enhance curb appeal with potential buyers. Adding a fresh coat of paint, planting flowers and shrubs will make your home "smile." When preparing for resale, follow these 5 home-selling secrets to maximize interest from potential buyers. Home-Selling Secret #1: Price it right! First, find out what your home is worth, then shave 15 to 20 percent off the price. Spring for a professional appraisal and [...]

Planning a home remodel

As exciting as the idea of planning a home remodel might seem, the process can be unpredictable and overwhelming when construction begins. To manage expectations before, during and after, be decisive and deliberate in the choices you make. If you change your mind in the middle of construction, it will add extra costs to the bottom line and extra time to the final completion and inspection dates. Plan ahead and do plenty of research. Tour homes and showrooms for ideas you [...]

Easy Ways to Improve Curb Appeal

Curb appeal is the look and feel you get from the outward appearance of a home and the first impression your home gives to potential homebuyers. When your home has good curb appeal and you’ve set the stage for an inviting place to call home, everyone - including potential homebuyers want to see what’s inside. That’s why good curb appeal is one of the most important factors in selling your home. With a few simple improvements you can dramatically [...]

The Ultimate Moving Count-Down List

Moving is one of the most stressful times in a person’s life. For a smoother Move Day planning is key. Our “Ultimate Moving Count-Down List” will help you get organized, and make your moving process easier. 8 – 6 WEEKS Before Move Day Start getting rid of the items you don’t want to move with. Consider having a garage sale and/or donating items to a charitable organization. Decide who’s doing the packing – you or a moving company? Start getting estimates from Moving [...]