WHO TOLD YOU THAT YOU COULD NOT BUY A HOME?

OWNING YOUR OWN HOME IS THE SINGLE MOST IMPORTANT FINANCIAL DECISION YOU WILL EVER MAKE. I WILL GUIDE YOU ON THE PATH TO HOME OWNERSHIP. LET’S BEGIN NOW! Dear Neighbor, My name is David Bradley. I want to thank you for taking the time to visit my website, where I guarantee you’ll find plenty of helpful information to assist you in purchasing your new home or refinancing your current mortgage.... [Read more...]

Your Total Mortgage Payment

Your monthly mortgage payment is typically made up of four components: principal, interest, taxes and insurance, together known as PITI. The principal refers to the part of the monthly payment that reduces the remaining balance of the mortgage. The interest is the fee charged for borrowing money. You can determine the amount of principal and interest by using our Mortgage Payment Calculator. Taxes... [Read more...]

Two Key Factors in Qualifying for a Home Loan

When a lender makes a decision about a mortgage application, they consider two basic factors: 1) your ability and 2) your willingness to repay the loan. Ability to repay the mortgage is determined by verifying your current employment and analyzing your total income. Lenders prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few... [Read more...]

12 Ways to Save Money on Homeowners Insurance

1. Shop Around Friends, family, the phone book and the Internet are some of the sources you can use to find homeowners insurers. Get a wide range of prices from several companies. But don’t consider price alone. The insurer you select should offer both a fair price and excellent service. Quality service may cost a bit more, but you buy insurance in case you need to make a claim, so it’s... [Read more...]

Closing Costs Explained

5sci9zkmft Closing Costs Explained Closing costs are the actual expenses that the lender incurs in the origination of a new home loan. Some of the costs are related to your loan application, such as the expense of a credit report on all applicants. Other fees are related to the house itself, such as the property appraisal. Others are payment to the lender for processing your application, such as the... [Read more...]

Refinance Considerations

When you’re making your decision, there are several things to keep in mind. If your current interest rate is significantly higher than today’s lowest rates, you may be able to roll your loan costs into the loan and still get a lower rate than you have today, thereby reducing your interest payments and saving money immediately. Second, if you are planning to stay in your home for at least... [Read more...]

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