FHA insured mortgages serve a sector of the market that is not necessarily being met by other loan programs. Securing an 80% conventional mortgage that(more…)
Author: jzc@jessicazchristopher.com
Lighting Conversion Plan
In 2007, Congress passed an energy act that required new energy-efficient standards for basic light bulbs. Standard incandescent bulbs are being phased out and eventually(more…)
Holiday Travels
The last thing you want if you’re traveling these holidays is to worry about someone burglarizing your home. Use this check list to add some(more…)
Cash-In Refinance
Would someone really refinance their home and not take money out of it? Certainly, if they could get a lower rate, build equity faster and(more…)
Up-front Points to Lower the Rate
When loans are quoted by lenders, most buyers pay attention to the interest rate but not so much to the points that may be charged(more…)
Debt Relief May Trigger Tax
The Mortgage Debt Forgiveness Act, originally passed in 2007, was extended three times to protect homeowners from paying income tax on debt that was relieved due to(more…)
Indecision is Not a Decision
There could be some legitimate reasons for not buying a home but indecision is not one of them. Indecision is rooted in not having enough(more…)
Risk Rate Relationship
Regardless of what a lender quotes on mortgage rates, the actual rate a borrower pays is based on a number of variables. Lenders determine whether(more…)
Pre-approval is Good for Everyone
Buyer’s mortgage pre-approval is good for everyone in the transaction. It saves time, money and removes the uncertainty of knowing whether the buyer will be(more…)
Easier to Play the Game
It’s much easier to play a game when you know the rules so you can avoid mistakes that may keep you from winning. Homeownership isn’t(more…)