Purchase

Appraisal Methods
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When you’re buying a home using a mortgage, refinancing your existing mortgage or selling your home to anyone other than an all-cash buyer, the home appraisal is a key component of the transaction. Whether you’re a buyer, owner or seller, you’ll want to understand how…

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Apps for Finding a Great Neighborhood
Apps for Finding a Great Neighborhood 1024 576 jaycurley

A large part of a successful move is finding a good neighborhood. Here’s a few ways to find what pretty much everyone agrees makes up a good ‘hood: Schools: You can view demographics and stats for any school district in the US by navigating to…

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Getting Pre-Approved Should Be Your First Step
Getting Pre-Approved Should Be Your First Step 1024 536 jaycurley

Many potential homebuyers underestimate their purchasing power and overestimate the down payment and credit scores needed to qualify for a mortgage today. Completing a quick and easy pre-approval is the first step in determining all mortgage options available to you. Benefits of being Verified by…

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5 Reasons to Buy a Home This Fall
5 Reasons to Buy a Home This Fall 1024 683 jaycurley

Real estate markets ebb and flow just like the seasons. The spring market starts hopping when the sun comes out, flowers bloom and winter is over. Conversely, fall signals the beginning of a slower market, which could be good for buyers. If you’re in the…

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3 Keys to Buying a Home
3 Keys to Buying a Home 1024 683 jaycurley

Mortgage guidelines for first-time homebuyers have changed over recent years. In order to ensure loan approval, you need to have everything in order before your application. Credit Credit is very important for the first-time homebuyer. An FHA loan allows a lower credit score, sometimes as…

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Pre-Qualification vs. Pre-approval
Pre-Qualification vs. Pre-approval 1024 684 jaycurley

Two often confused terms in the home buying process are a mortgage loan pre-qualification and a home loan pre-approval. Here’s what you really need to know about each one. Pre-Qualification A mortgage pre-qualification is simply an estimate of how much home you can afford and…

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Private Mortgage Insurance
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PMI, aka private mortgage insurance, is a type of mortgage insurance from private insurance companies used with conventional loans. Similar to other kinds of mortgage insurance policies, PMI protects the lender if you stop making payments on your home loan. PMI can be arranged by…

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Moving Checklist & Planner
Moving Checklist & Planner 1024 555 jaycurley

Let’s face it, moving is stressful. Moving all your belongings from one place to another is hard, and so is relocating your life in general. But, let’s not forget that moving to a new place is an exciting time! We scoured the internet looking for…

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Why was I countered?
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As a homebuyer, if you make an offer below list price, the seller may choose to reject, accept or simply let the offer expire. If there are multiple offers, the listing agent will lay out the options for their client and then notify all buyers’…

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New Mortgage Rules For Self-Employed Borrowers
New Mortgage Rules For Self-Employed Borrowers 1024 683 jaycurley

Being your own boss comes with a lot of perks. Easier mortgage approval may not be one of them. If you’re self-employed, you must meet different requirements than a salaried person to qualify for a mortgage. The rules about updated in recent months to take…

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