Blog

    • Deadline Quickly Approaching

      Besides the obvious Federal Income Tax deadline which is April 18th this year, the deadline for individuals who can qualify for the Homebuyers Tax Credit is quickly approaching - April 30, 2011. The extension was granted for members of the military, In...
      Written by InTouch
    • Supersize a VA Loan

      Since 2004, the maximum VA loan is the same as the maximum FNMA mortgage which is currently $417,000.  Occasionally, a Veteran wants a loan in excess of that amount.  If the Veteran will put a 25% down payment on the excess amount, a len...
      Written by InTouch
    • Waiting May Cost You More

      If you haven't heard by now, FHA is increasing the annual Mortgage Insurance Premium again by .25% on April 18, 2011.  Payments will be higher even if the interest rates remain the same. Buyers who are ready to take action can still lock ...
      Written by InTouch
    • Mortgage Myths

      "It's impossible to get low down payment loans." - UNTRUE!  FHA down payments are only 3.5% and VA is 0%.  In some areas, there may be some 100% USDA loans available.   "It takes perfect credit to ...
      Written by InTouch
    • Mortgage Loans and Lenders to Avoid

      In many cases, the seller and the buyer are actually represented by their real estate agent.  In those situations, there is a fiduciary relationship created that requires the agent put the client's interests above their own. There is...
      Written by InTouch
    • Really?

      Home prices have come down 20, 30, 40% or more in the last three years and mortgage rates are lower than they've been in 50 years and you still haven't bought a home.  Really? Housing affordability is over 180, an all-time high when 100 i...
      Written by InTouch
    • Annual Homeowner’s Advisory

      An annual physical is an important proactive approach to personal health and an annual homeowner advisory can be just as beneficial for you and your finances. Regardless of whether you're moving, knowing the values of homes similar to yours th...
      Written by InTouch
    • Everything Except the Down Payment

      It's one thing to have the down payment and not qualify because of credit scores but in today's tough financial environment, it may be even more frustrating to have good credit, income and job stability without the down payment. The 2010 NAR N...
      Written by InTouch
    • Homeownership Worth the Sacrifice

      A place you can call your own, to raise your family, share with your friends and feel safe and secure.  These are all strong motivations for securing the American Dream of owning your home. The motivation is so powerful that buyers are willing...
      Written by InTouch
    • The Difference a Day Makes

      A man was selling a property which was currently rented but had previously been his home for over two years.  After discovering it had been rented for the last 2.5 years, it was asked if he had planned on taking the principal residences capital ga...
      Written by InTouch