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First-time mortgage paperwork checklist

First-time mortgage paperwork checklist

The documents and forms required for a home loan differ by loan type, state, and situation.  For example, being self-employed requires different documents that working for a company. Most lenders can get a good sense of your approval odds by reviewing your W-2 forms,...

Avoiding the Most Expensive Home Repairs

Avoiding the Most Expensive Home Repairs

As homeowners, sometimes major repairs are inevitable.  The good news is that many are entirely avoidable. This is an effective way to prevent most of the costly repairs by developing and inspection plan that includes a preventative maintenance plan. Replacing...

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MORE PROFESSIONAL STUFFA Real Estate and Financial Accounting graduate from Georgia State University's J. Mack Robinson College of Business, with a proven track record of success in all aspects of business management, including operations, sales, marketing,...

Another Source for a Down Payment

Another Source for a Down Payment

Borrowing from a 401k, 403b or the cash value of life insurance policy is a common financial strategy. While taxpayers are not allowed borrow from either a traditional or Roth IRA, they can withdraw funds before age 59 ½ for specific purposes like a first home...

Anticipating the Cost of a Home

The largest expenditure a buyer has when purchasing a home is the down payment which can range from zero for veterans or 3.5%, 5%, 10% and 20%. With mortgages come closing costs which can be another 2-4% and must be paid at settlement in cash. Most mortgages require...

Personal Finance Review

Even if Benjamin Franklin never actually used the expression "a penny saved is a penny earned", the reality is that it has been a sentiment for frugality for centuries. He did say: "Beware of little expenses; a small leak will sink a great ship." At the end of the...

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