Common Closing Costs for Buyers

You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of all settlement costs. The title company or other entity conducting the closing will tell...

Closing Documents You Should Keep

On closing day, expect to sign a lot of documents and walk away with a big stack of papers. Here’s a list of the most important documents you should file away for future reference.  HUD-1 settlement statement. Itemizes all the costs — commissions, loan fees, points,...

17 Tips for Packing like a Pro

Moving to a new home can be stressful, to say the least. Make it easy on yourself by planning far in advance and making sure you’ve covered all the bases. Plan ahead by organizing and budgeting. Develop a master “to do” list so you won’t forget something critical on...

10 Questions to Ask the Condo Board

Before you buy, contact the condo board with the following questions. In the process, you’ll learn how responsive — and organized — its members are. You’ll also be alerted to potential problems with the property. What percentage of units is owner-occupied? What...

10 Questions to Ask Home Inspectors

Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to make an informed decision. Ask these questions to prospective home...

7 Reasons to Own Your Home

 Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.  Appreciation. Real estate has long-term, stable growth in value. While year-to-year fluctuations are...

5 Things to Know About Title Insurance

Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance. It protects your ownership right to your home, both from fraudulent...

5 Things to Know about Homeowner’s Insurance

 Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately.  Know about dollar limitations on claims. Even if you are covered for a risk, there...

Your Property Wish List

What does your future home look like? Where is it located? As you hunt down your dream home, download and consult this list to evaluate properties and keep your priorities top of mind.   [button...

What You Can do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:  Check for and correct any errors in your credit report....

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