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Choosing between a fixed rate or adjustable rate loans is the single most important nail-biter of a decision you'll ever make when choosing a mortgage. The mortgage formula -- the method used to determine how much you pay based on your interest rate -- is the same for both…

Nearly all buyers will hire a professional home inspector to take a closer look at their new home before closing. In some cases home inspections are done before the home goes under contract. A home inspection covers several areas and systems within the house, but there…

It can't be overstated; when it comes to buying a house, the first impression is everything. If you're selling or getting ready to sell in the coming months, one of the easiest and most dramatic ways to enhance that first impression is through paint.Fresh paint makes your…

When agents are showing your home to a prospective buyer, sellers often wonder should they stay or should they go? Some reasons sellers want to stay are because they think agents and buyers won't be able to find everything, that they must be there to point out important…

Be Ready to Show at All TimesSellers should be aware that same-day and even last-minute requests for showings are common. You should always be ready for a showing, so keep your home organized and clean. Tell the kids to put their toys away when they are done playing and…

Home shopping? For first-time homebuyers it's an exciting, albeit nerve-wracking, experience. If you're like others in the market for their first home, you probably have in mind exactly how your soon-to-be home will look.But it's important not to fall into the bad…

Question: I have been renting the same townhouse for the last six years. My landlord now wants to sell the property and he has asked if I want to buy it. He is offering to sell it to me for $220,000, which I think is a great deal. I have a good salary, good credit a nd a…

Before you begin house hunting, create a realistic "shopping list" to narrow your search. Looking for a home can take time, especially if you have not focused on what is most important.Create a "wish list" and a "must have" list. Many people focus more on "wants" than…

Some people like the flexibility that comes with renting. When you rent, you can live in a neighborhood for as little or as long as you want. You're also free of most maintenance responsibilities – your landlord usually handles repairs. Of course, there are many other…

While everyone would like to live the American Dream of buying and owning a Home, it is important to understand all the costs involved in buying and owning a home. Many potential buyers sometimes forget to factor in the down payment, homeowners insurance and the possibility…

When you look for a mortgage, lenders will review your credit report. Your credit report is a history of how you have managed your finances and repaid debt. It provides information on money you have borrowed and a history of your payments. Your credit history is pulled…