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Welcome!

Welcome, First-Time Home Buyers!

If you’re a first-time home buyer these articles are chock full of advice that will give you the added “edge” when buying your first home. From finding your dream home online, negotiating a purchase contract, securing the best financing, to tips for a stress-free closing, you’ve now found your #1 first-time home buyer resource.

So WELCOME, check things out and visit often…you are well on your way to owning your first home!

Stephen Katz

Are you a renter who is looking to purchase a home of your own? If so, you’ve come to the right place!

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What Are Loan Officers Asked Most Often?

posted by Stephen Katz
Wednesday, June 28, 2017

 

The number one question that we get asked every day from potential clients is, “What is your current interest rate?”

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Have you ever been rejected for a mortgage due to your debt-to-income ratio? Or know someone who has? Well good news: starting July 29, Fannie Mae is raising the DTI ceiling to 50 percent! Currently, it sits at 45 percent.

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Why Do You Need Title Insurance?

posted by Stephen Katz
Thursday, June 15, 2017

Today, we’ll talk about what title insurance is and exactly what you’re paying for.

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Today, I’ll discuss the importance of the pre-approval process. The pre-approval process is imperative and essential to be completed prior to you making any offers. The listing agent and seller typically require a pre-approval letter to accompany your offer with the Realtor you work with.

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Are you thinking of hiring a buyer’s agent? If so, there are questions you should ask to ensure you hire somebody you can trust. Here are a few to keep in mind:

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Today we are going to discuss whether it is better to pay the closing costs in cash upfront or to take out a higher home loan. The difference could cost you thousands.

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Whether you’re buying or selling a home, you’re going to have to go through the negotiation process. Today I will be outlining the four major stages of negotiations. Ideally this will prepare you for anything that may come your way.

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What Appraisals Are And How They Work

posted by Stephen Katz
Friday, May 12, 2017

Today we are excited to talk to you all about appraisals. We’ll go over what they are, how they work, and how they affect the purchase of your home.

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Today, we’ll talk about the difference between getting pre-qualified and pre-approved for a mortgage. There’s a clear difference.

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