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Purchasing A Home

Buying a house is probably the single largest expenditure you will make and it helps to research all your choices before jumping in and making an offer on a home.

Read through this section, but if you have any other questions, please give me a call or
fill out my information request form and I will be happy to give you the answers.
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	Should You Refinance

10 Steps to Buying a House
Walking you through the stages, from just an idea in your head to taking the keys to your new home
Deciding How much to put down
This article helps you plan for all the costs involved, ma ke the proper down payment for you and most important have some left over
Pre-Approval vs Pre-Qualify
These 2 terms have become interchangeable in recent years, but there is a big difference
How Much House Can You Afford?
a chart comparing what you have left over each month to the price of houses that you should be looking at.
Income and Debt
a chart of how high your payments can be based on how much you are bringing hom
The Six Stages of a Mortgage
Knowing what to expect will help you plan and to know whethere this is normal or it's time to ask questions
The best time of month to close
Learn how to close when it will cost the least out of pocket.

	Should You Refinance

Home Buyer's Checklist
when planning to buy your home. This will help you have answers to help your realtor find you the right house!
All About Points
Should you pay points? Should you avoid points? Are points for you? This series of 7 articles answers the questions and helps you decide
Waiving Escrows, good or bad?
PMI or Piggyback mortgage?
This article describes that advantages and disdvantages of PMI or taking an 80/20 or 80/10 1st and 2nd mortgage
Things to remember After the Move
Things to remember Before the Move