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Refinancing

Refinancing

When should you think of refinancing your home? Many home owners want a new lower interest rate as this could lead to substantial savings. In order to get savings on your new loan, you’ll need to refinance under favorable conditions. Here are tips on refinancing a...
Creative Financing

Creative Financing

When you’re buying a home, creative financing can make all  the difference in closing the deal. There are many paths other than the standard 20% down. Let’s look at some of them. FHA-insured loans These loans are available from most lenders and only...
Seller Financing

Seller Financing

Homes offering seller financing comprise a small percentage of the real estate market. Many of the homes offering seller financing are doing so to help buyers who have yet to secure traditional bank loans and are looking for an alternative means to finance their home...
Benefits of an HOA

Benefits of an HOA

The benefits of an HOA (Home Owners’ Association) are several. Let’s all agree now that the apparent downside is an additional monthly expense. However, you will have these benefits in return. Rules to live by HOA’s have CC&Rs (Covenants,...
Sale Contingency

Sale Contingency

A homeowner looking to buy a new home while still in the middle of selling their current home should seriously consider a home sale contingency. This practice allows the homeowner a degree of protection as the purchase of the new home becomes dependent on the sale of...
Insurance

Insurance

When buying a home, you might wonder why are you getting charged for insurance twice. And is it even necessary?! The answer is yes. Here are the Whys: Coverage vs form While you may already know that you can get a policy with additional coverage (think comprehensive...