If you have decided to buy a new home, congratulations. If you’re researching home loans, lenders, and mortgages, you’ve most likely come across information about both fixed-rate loans and adjustable-rate loans. Once you decide which you want to go with, you can start searching for the houses that fit within your budget. However, what if you get a raise after you purchase the house and can afford to pay more than the monthly fee? Is it a good idea? Wouldn’t it be the best choice to pay off your home earlier than scheduled? Yes, and no. There are definite positives and negatives to paying off your mortgage ahead of time, and we can help you decide.
Have you ever considered buying a HUD house? These homes offer tremendous opportunities to purchase property in an area that might otherwise be too expensive for a buyer.
Read on to learn more about HUD homes and what it takes to buy one.
Are you trying to buy a house in a competitive real estate market? It is not uncommon for multiple buyers to bid on an attractive property and unfortunately, buyers can find themselves losing out on one house after another. The key to successful house hunting in a sizzling market is crafting a stellar purchase offer.
Read on to learn how you can use something called earnest money to make a fantastic impression on a seller.
Are you thinking about buying land? You may find it surprising to learn that there are some significant differences between land loans and mortgage loans. If you were preparing yourself for the process and terms being anything like your home loan, take a moment and read this article.
Do you want to buy a house but you’re worried that you can’t get a home loan? Don’t worry; you do not need spotless credit to buy a house. There are numerous bad credit loans available for those who qualify, and these loans are not scams but valid and great options if you qualify. Read on for information about how you can be eligible for a home loan with less than perfect credit, along with some tips on improving your credit score.
We cannot thank you enough for your military service. We also cannot feel anything but complete joy when a hero gets into their new home because we understand having a home of your own means so much. Buying a new home is a sometimes tricky process, and we want to make it easier for you. You might not know that as a military service member, both past or present, you could be eligible for a VA loan. Keep reading to find out how a VA loan can help you in the home buying process.
Are you thinking about refinancing and want to know how to get the best refinance rates for your mortgage?
There are many excellent reasons to refinance a mortgage. Some people refinance to take advantage of lower interest rates. Others want to convert from an adjustable rate mortgage into a fixed rate home loan. Still, others hope to use the extra money to pay for things like college and home renovations. Whatever your reason, you can help make sure that you get top-flight loan terms.
Am I eligible for the first time home buyer Tax Credit Program?
If you are a first-time homebuyer, then you may have heard talk about a federal tax credit program. This program refers to a change in legislation in 2008, but it ended in 2010. Eligible homeowners had to have purchased their homes between April 8, 2008, and May 1, 2010, to receive the credit.
Are you shopping for a home loan? Do you wonder what you can expect with the new home rates this year?
Prepare for your home loan search by learning some of the language of mortgage lending and how you can improve your ability to obtain optimal financing.
Congratulations on looking for a new home. During this process, you may need to fill out the Internal Revenue Service Form 4506 or the Form 4506-T.
This form is used to get access to your previous tax transcripts that the IRS has on file. With this form, you can order your individual 1040 tax transcripts, your business 1120 or 1120S transcripts, 1041 and 990 transcripts, as well as your Wage and Income transcripts. Using the 4506 Form, you can order up to the last four years of transcripts.