Monthly Archives: January 2020

    • The 4 C’s of Qualifying

      Qualifying for a mortgage can be explained with 4 C's.  Capital indicates the borrower has the necessary funds for the down payment and closing costs without exhausting their savings.  Capacity shows that the borrower has the ability from inc...
      Written by InTouch
    • Who Earns the Commission?

      What do you think the motivating reason would be for the 5% of all homebuyers who chose not to work with an agent but instead conducted their own home search, contacted the seller, negotiated the contract, located their financing, arranged their inspec...
      Written by InTouch
    • Expectations

      Ideally, what every owner wants when they sell their home is to get the highest possible sales price in the shortest period with the least inconveniences.  They may not realize that's what they want but if you ask enough questions, they are the th...
      Written by InTouch
    • Escrow Shortage

      If you have a mortgage on your home, your total house payment may include 1/12 the cost of the annual taxes and insurance.  Those amounts are held in an escrow account so the lender can pay them when they become due. The most common reason an escr...
      Written by InTouch
    • Types of Home Showings

      Each type of showing plays a valid and necessary role in marketing the home.  Some buyers look at a home online leading them to drive by the home to see if it continues to be what they're looking for before they will make an appointment to look at...
      Written by InTouch
    • Take the Standard Deduction & the Home

      Now that the standard deduction is increased to $12,200 for single taxpayers and $24,400 for married ones, many homeowners are better off with the standard deduction than itemizing their deductions to write off their mortgage interest and property taxe...
      Written by InTouch
    • Your Rate Depends on your Score

      Most homebuyers probably know that their FICO mortgage score can determine whether they qualify for a loan, but they may not be aware that it can determine what interest rate they'll pay. The same $300,000, 30-year, fixed-rate mortgage can have a princ...
      Written by InTouch

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