In recent years FHA loans have taken on renewed importance for today’s mortgage borrowers. Simply stated, an FHA loan is a mortgage insured by the Federal Housing Administration, a government agency within the U.S. Department of Housing and Urban Development. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if […]
An earnest money deposit is a specific form of security deposit made in real estate transactions to demonstrate that the applicant is serious and willing to demonstrate an earnest of good faith about wanting to complete the transaction. Earnest money deposits are one of the most misunderstood parts of the home-buying process. Depending on where you live, you can expect to […]
After years of speculation about mortgage interest rates, the Federal Reserve has begun increasing the Fed Funds Rate. The Fed Funds rate sets the cost of borrowing for the banks, and consequently the cost of mortgages for homebuyers. With additional moves at hand, there is concern that more expensive mortgage rates could hamper the housing […]
A new program allows employers to help workers’ down payment on a home, similar to how companies contribute to a 401(k). HomeFundMe, a Fannie Mae and Freddie Mac-approved down payment crowdfunding platform, allows borrowers to crowdfund their down payment from several sources, including their employer. CMG Financial, a mortgage banking firm, created the HomeFundMe program. Employers can […]
Choosing a lender or a mortgage broker can be a bit overwhelmoing — there are so many options to choose from, and your choice will have a large impact on the rates and terms of your mortgage. Follow these tips to select the banker or broker who can get the best mortgage deal for you. […]
Site of the 2011 Parade of Homes, Olentangy Falls is a beautiful community overlooking the Olentangy River Valley which is located in southern Delaware County near Hyatts and Taggart roads in Liberty Township. The community was developed by Rockford Homes of Columbus. The community includes homes constructed by the following Central Ohio Home Builders: Ambassador […]
Prepare yourself by knowing the less-obvious costs of owning a home. Insurance, maintenance and more add up faster than you think. Buyers too often focus on a home’s list price or mortgage payment to determine what they can afford. However, the less-obvious costs associated with homeownership can affect the monthly bottom line. To help home […]
Equity versus profit. That’s the difference in what’s being negotiated when purchasing a home from an existing homeowner, and the builder of a new home. There is less chance of striking a deal on the purchase price of a newly built home, as most of the costs associated with building it are fixed. Only about […]
Many homeowners have been reluctant to list their homes for sale, some by choice, some for fear of being able to find a replacement home and being able to time their transactions, while others express concern about the ability to afford a new home. If you’re one of these owners call us today to learn […]
If you’ve been aching to buy a home but haven’t been able to seal the deal we feel your pain. After all, pent-up demand left over from tight supply over the past two years, against the backdrop of mortgage rates remaining near historic lows, combined with continued low inventory levels and fewer homes for sale […]
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