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Don't Believe the Mortgage Myths!

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  There are common misconceptions about the home loan process and we're here to bust those myths and put them to rest. As mortgage experts, we’ve heard every myth and misconception under the sun when it comes to home financing. Unfortunately, many of these myths can prevent people from making informed decisions about their mortgages, which can have long-term financial consequences. In this article, we'll dive into some of the most common mortgage myths and debunk them once and for all. Myth #1: You can't afford to buy a home. The truth is, if you can afford rent, you can very likely afford a monthly mortgage payment. In fact, rent can sometimes be just as high or higher than a mortgage payment. Plus, by renting, you could miss out on the opportunity to build wealth with one of the most common investment tools for Americans. Owning a home can also help offset your annual tax bill. Consult your tax advisor for details. Myth #2: You must put 20% down. Wrong! This is perhaps th...
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Nearly Half of US Homeowners Considered ‘Equity Rich’

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Nearly Half of US Homeowners Considered ‘Equity Rich’ As home prices continue to increase, homeowners are getting richer and richer. About 45% of mortgaged residential properties in the U.S. were considered “equity rich” in the first quarter, up from about 32% a year earlier, according to a new report from ATTOM Data Solutions. Equity rich means that the combined estimated amount of the loan balance on the home was no more than 50% of the home’s estimated market value. “Homeowners continue to benefit from rising home prices,” says Rick Sharga, executive vice president of market intelligence for ATTOM. “Record levels of home equity provide financial security for millions of families and minimize the chance of another housing market crash like the one we saw in 2008. But these higher home prices and rising interest rates make it extremely challenging for first-time buyers to enter the market.” Equity growth likely will continue for the remainder of the year, but home price increases are ...
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Steps to Selling Your Home Realtors Want You to Know

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  Important Information You Should Read Before Putting Your RGV Property Up for Sale Selling a home, lot, Commercial property can be stressful, and there are many laws / rules to follow. The process entails many moving parts and components; it only makes sense to hire a knowledgeable professional. People are finding cutting out the middle guy (the realtor) isn’t always the best idea. While you may think you’re saving money, you could be heading into some real trouble. Here are some of the steps your agent will help guide you with on your journey to the sale. Determining Your Home’s Price Prior to Selling Determining the right price for your property is trickier than you may assume. In most cases, homeowners will try to pick the value because of other properties in their same building or on the block. While that may be partially true, other factors go into this imaginary number. If you think you can sell on your own and don’t understand the market, you could potentially charge too m...
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