and all the BS fit to read!

Free Advanced Search Tools For Home Buyers

Free Advanced Search Tools For Home Buyers

May 26, 2017

If you are currently in the market for a home, you will find my website an excellent resource. The site is continually updated with new and valuable information to aid in your decision making process. The search feature allows you to filter thousands of listings based on attributes that you select. You can simply search for houses in a certain area and price range, or you can look for houses that fit your specific style. If you know you want a brick house with gas heat and a garage, you can get the results you’re looking for. Most real estate websites don’t offer that degree of choice. By signing up with the Property Research Center, which is free, you have access to features that will help you find and organize the listings that best fit your needs: Saved Searches allow you to preserve your searches for reference at a later time. You can easily maintain lists of properties that match your criteria without having to re-enter any information, and there is no limit to the number of searches you can save.  Read Testimonials of my clients and please do not hesitate to contact me with any questions, I would love to be of assistance, and I look forward to hearing from you. Taty www.RealEstateOnHeels.com...

Should the Buyer’s Agent Attend the Home Inspection?

Should the Buyer’s Agent Attend the Home Inspection?

May 2, 2017

The question of whether the buyer’s agent should attend the home inspection can be argued both ways, and even the most seasoned industry veterans can disagree.  There are pros and cons for the buyers agent attending a home inspection, and this can even be influenced by the state and region that you’re in. A good article about this debate can be found online in “Working RE”:  http://www.workingre.com/should-agent-attend-home-inspection/  As you will read, this article surveyed experienced agents/brokers who have shared their opinions based on their real estate experience. Some of the reasons the article found for the buyer’s agent attending the inspection included: the buyer’s agent being there can act as an intermediary to request clarifications from the inspector and to explain things to the buyer. it can be a helpful learning experience for the buyer’s agent, which will help them professionally for their next client. And some of the reasons the article found for NOT attending were: being present can influence their client’s opinions towards or against something. it can open an argument about what the inspection is discovering. attending can extend the time of the inspection by several hours. And the article also points out that some real estate agents chose a middle ground of being available during some part of the inspection process, but not there for its entirety. Another good article on this topic can be found online at:  http://blog.kw.com/ready.-set.-sell-helping-clients-through-inspections As you will read, towards the bottom of the article it gives a good summary of the pros and cons of whether the buyer’s agent should attend the inspection.  And in the comments section there are further arguments provided on both sides by various real estate agents. I offer and pay for pre-inspection so that the inspection ordered by buyers will not surprise my sellers and will solve the dilemma: to attend or not… READY TO MOVE? Contact the team that will sell your house and will move you into your dream home. We know how to market Real Estate and sell your home for top dollar. Call*Text*E-mail Taty@RealEstateOnHeels.com...

Bill Parsons Insurance

Bill Parsons Insurance

May 31, 2016

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Housing News

Housing News

Apr 9, 2016

By Juan Gonzales Please enjoy this quick update on what happened this week in the housing and financial markets. Minutes from last month’s Fed meeting showed the Fed is concerned about global economic weakness. This concern makes a policy rate increase in April unlikely. Recent economic reports show tepid economic growth, keeping inflation concerns at bay. Lack of inflation helps support conditions for low mortgage rates. Even with the tepid economy, the labor market continues to show strength. Last week’s unemployment claims fell more than expected, slipping to 270,000. Smart home technology can make outdated homes more desirable. Nearly 1/2 of Americans surveyed either have or plan to install smart home tech this year. The recent dip in mortgage rates has helped move some buyers off of the fence. Purchase applications were 11% higher than the same week last year. Annual owner-occupied purchases were up 15.9% in 2015. The 3.74 million purchases were the most seen since 2007’s 3.93 million. Rate movements and volatility are based on published, aggregate national averages and measured from the previous to the most recent midweek daily reporting period. These rate trends can differ from our own and are subject to change at any time. The Juan Gonzales Mortgage Team Neighborhood Mortgage, Inc Senior Loan Officer NMLS #1001339 (678) 990-8774 juan@nloans.net...

Mortgage DOs and DON’Ts for buyers to follow during their loan process

Mortgage DOs and DON’Ts for buyers to follow during their loan process

Feb 23, 2016

BY: Juan Gonzalez Mortgage Team DO: Keep All Records in Good Order. Availability – Keep your financial records close at hand in case updates are requested. Income – Be aware that underwriters typically verify your income and tax documents through your employer(s), CPA, and/or IRS tax transcripts. Hold onto new paystubs as received. Assets – Continue saving incoming account statements. Keep all numbered pages of each statement. Ex. 8 of 8. Gifts – If you’re receiving any gift money from relatives, they’ll need to sign a gift letter (we’ll provide) and an account statement evidencing the source, which must be “seasoned” funds. Current Residence – If you’re renting, continue paying your rent on time and save proof of payment. If you’re selling your current residence, be prepared to show your HUD-1 Settlement Statement. If you’ll be renting your home, you may need to show sufficient equity, a lease and receipt of the first month’s rent and security deposit. Keep your credit shining. Continue making payments on time. Your credit report may be pulled again, and any negative change to your score could cause you to lose your approval and your home. Understand that things have changed. Underwriters require more documentation than in the past. Even if requests seem silly, intrusive or unnecessary, please remember that if they didn’t need it, they wouldn’t ask. DON’T: Apply for new credit. Changes in credit can cause delays, change the terms of your financing or even prevent closing. If you must open a new account (or even borrow against retirement funds), please consult with me first. Change jobs during the process. Probationary periods, career or even status changes (such as from a salaried to a commissioned position, leave of absence or new bonus structure) can be subject to very strict rules. Make undocumented deposits. Primarily large but sometimes even small deposits must be sourced unless they are identified. Make copies of checks and deposit slips. Keep your deposits separate and small. Avoid depositing cash. Wait to liquidate funds from stock or retirement accounts. If you need to sell investments, do it now and document the transaction. Don’t take the risk that the market could move against you leaving...

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