Finding the home for you
Showing posts tagged: Buying a House and Owning a Home
There are a lot of good reasons to know your credit score and monitor it. When it comes time to apply for a mortgage or and other kind of loan, your lender will check that score and you don't want any surprises. One thing that may affect your credit score is your credit card utilization. What does that mean?
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So you want to buy a house one day? Unless you're paying cash, you're going to need to build up a good credit score. A great way to do that is to open a credit card and use it responsibly.
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Many people think condominiums and co-ops are the same thing, City dwellers -- where these options are more common, know better. The real difference between the two is in what you actually own once you fork over your money. Because of that difference, each option requires a different kind of loan, one easier to get than the other.
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Buying a home is exciting, but the process can be daunting. A real estate agent can help you narrow down your neighborhood choices and negotiate contracts, and they can make the process of looking a little easier, by arranging showings for you. And a buyer’s agent won’t cost you any extra, because the seller pays the commission.
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If you live in New York City, chances are you’ve at least thought about living in a co-op. So you know thinking about applying to the board makes some people break out in a cold sweat. We don’t blame them. There’s a lot to do and it’s not easy. A good real estate agent with co-op experience can help you out. But before you even get started, there’s a couple things you should do.
We don’t have to tell you your kid’s college is expensive. But housing is one place where college can actually make you money instead of costing you. Just make sure you have a plan first.
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You pay your mortgage every month, the same amount, and it’s easy to forget that you might have options. Do you know your current interest rate? Do you know the current market rate? You might be able to save!
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Divorces are messy enough without worrying about the mortgage. A mortgage loan could potentially tie you and your ex together for 30 years. So how do you break those ties without breaking the bank?
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You thought you found a great real estate agent, but it’s just not working out. So what do you do now?
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Thinking about refinancing your home? Start with these five questions to see if it’s worth it.
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