Category: Blog

The new homeowner’s essential tool kit

  • Posted by: Adrian La Fosse
  • Category: Blog
  Just when you think the drain on your savings couldn’t get any worse, you close on your new home, unlock the door and move in. All is right with the world. Experienced homebuyers understand, however, that it takes living in a home for a few weeks to notice all those items that need fixing and those you simply wish to change. The last thing to want to do right…

The Pros and Cons of the USDA Guaranteed Loan

  • Posted by: Adrian La Fosse
  • Category: Blog
  If you can’t pay cash for your new home you’ll need a mortgage and, if you’re not in the market for a luxury home, you’ll need a mortgage created for those with a more modest income. Thankfully, the United States government offers several programs, including the VA loan, the FHA-backed loan and the USDA Rural Development guaranteed loan. If you aren’t a current or former member of the military,…

4 Important Aspects of the Luxury Home Search

  • Posted by: Adrian La Fosse
  • Category: Blog
  From urban penthouses with amazing views to rural equestrian estates, luxury home settings can be beyond spectacular. Right now, the luxury market in our state is full of homes with prices that start just under $1 million to more than $24 million. Prices at the high end of the market, by the way, are rising only half as fast as those in the lower ranges according to a new…

4 ways to furnish your new home for less

  • Posted by: Adrian La Fosse
  • Category: Blog
    Between the down payment and the closing costs for the mortgage, homebuyers aren’t left with a whole lot of money. Yet, there are still movers to pay and, quite possibly, appliances to purchase and minor fixes to perform. So, how will you furnish the new digs – especially if you can’t stand the thought of dragging your mismatched furniture from your rental to your new, yes-indeed-I-own-this home? Many…

How to Get a Mortgage if You’re Self-Employed

  • Posted by: Adrian La Fosse
  • Category: Blog
From how we’re expected to file our taxes to a lack of paycheck stubs to sometimes wild swings in income, the self-employed are a different breed. Applying for a mortgage when you lack W-2s, doesn’t disqualify you; you’ll just need to work harder to meet the higher burden of documentation required of the self-employed. According to a study commissioned by one of the large real estate aggregator sites, the self-employed…

3 DIY Décor Tips Guaranteed to Delight Homebuyers

  • Posted by: Adrian La Fosse
  • Category: Blog
  We don’t blame you for wanting to squeeze every last penny out of the sale of your home. And, aside from just a handful of factors over which you have no control (location, foreclosures or sexual predators nearby, etc), there are some inexpensive cosmetic changes you can make that will appeal to buyers, raising the home’s perceived value. Even if your home isn’t located in a neighborhood that buyers…

Your Guide to The VA Loan

  • Posted by: Adrian La Fosse
  • Category: Blog
Consider this: a mortgage program offers certain Americans a home loan with a zero down payment and no private mortgage insurance requirement. In addition, closing costs are limited and if the home is newly constructed, the builder must supply the buyer with a one-year home warranty. Despite the obvious perks of the program, only 10.5 percent of the nation’s nearly 22 million veterans take advantage of this aspect of their…

A Checklist For the First-Time Homebuyer

  • Posted by: Adrian La Fosse
  • Category: Blog
Like shopping for anything expensive, shopping for a home requires research and a game plan. When you have a list of steps to take, the process will be far less perplexing and far more enjoyable. You’ll also be more successful if you have a strategy, so let’s take a look at some of the initial steps to take to get you into that new home. Check them off as you…

Little Governments: The Homeowners Association

  • Posted by: Adrian La Fosse
  • Category: Blog
The phrase “Homeowners Association” may sound innocuous enough to some but it sends shivers down the spines of many. In books and movies this group of homeowners is typically portrayed as power hungry, meddling and suspicious. Think Big Brother meets Mussolini and you’ll have an idea of this group’s image. Is this reputation deserved? It’s hard not to believe the rumors while being bombarded with news stories about Homeowners Associations…

Life is tough when your credit score stinks, so let’s fix it

  • Posted by: Adrian La Fosse
  • Category: Blog
    Whether it was a foreclosure, short sale, deed-in-lieu of foreclosure, a job loss or just plain irresponsibility, there are some steps you can take to get your credit score back into the range where it is attractive to mortgage lenders and you can finally buy that house. Where does my credit score come from? Credit scores range from 300 (the worst) to 850. Although a score of 700…