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THIS WEEKS FINANCE QUESTION
Q: I was wondering which, if any, costs of a refinance are negotiable. I am currently in the process of refinancing my mortgage and the loan officer tells me that the funding and review fee has gone up to $495. When we bought our home a few years ago, that fee was only about $250. Why are the fees so high these days? A: Many mortgage customers think they are being gouged by "junk fees" - ANSWER

THIS WEEKS LEGAL QUESTION
Q: I have an easement on my beach front property and the public is repeatedly cutting across the easement boundaries and walking over my flowers. What is the line between easements and encroachments?
A: Easements and encroachments also affect your ownership of land. People may have been traveling across your land for years to gain access to adjacent property. - ANSWER

  If a buyer can assume your present mortgage         without having to qualify with a mortgage company, your home might sell         for a higher price than a similar house without an assumable mortgage.  - ANSWER

• Prepare your home for sale

• Improvements that add value

• Attract buyers by fixing up the OUTSIDE

• Eliminate INSIDE clutter and get top price

• Home inspection's

• Consider a real estate lawyer

• Set the right price and sell quick

• Your Home's true market value

• Closing fees

• Financial arrangements

• Items included in your sales price

• Seasonal pricing

• Real estate appraisers

• Net cash calculator

• How to write advertisements that sell homes

• How to write Effective ads

• Headlines that grab attention

• Describe your Home's best features

• Closing phrases

• Open house

• Reaching buyers who use real estate agents

• Free flyer generator

• Create a home selling flyer

• Selling your home on the Internet

Detailed Mortgage Information

What is the difference between Modular and Manufactured Homes?

CONSUMER INFORMATION

• Buying a Home With Resale Value -

• Location, Location, Location?
  Location - Local Community,

• Town or City
  Location - the Local Neighborhood
  Location - the Residential Neighborhood

• Buying a Home With Resale Value - the House
  A Home With a View?

• Lot Choice and Landscaping
  House Size

• Bedrooms & Bathrooms
  Closets, Garage & Laundry
  Kitchen

• Fireplaces
  Swimming Pool?

• Comparable Sales and Your Offer

• Price Determining Your Offer

• Price Comparable Sales in the Public Record

• Comparable Sales in the Multiple Listing Service

• Comparable Sales - Pending Transactions

• Factors Affecting Your Offer Price

• How Property Condition Affects Your Offer

• How Home Improvements Affect Your Offer

• How Market Conditions Affect Your Offer

• How Seller Motivation Affects Your Offer

• The Final Decision on Your Offer Price

• Offering to Purchase Real Estate- the Basics

• Introduction and Overview

• Contingencies in a Purchase Offer
  Earnest Money Deposit

• The Closing Date

• Transfer of Possession

• Writing an Offer - Safeguards Regarding the Property

• Disclosures From the Seller

• Condition of the Property Upon Transfer

• Inspections You May Require

• Final Walk-Through Inspection

• How Financing Details Affects Your Offer

• Down Payment

• Interest Rate Closing Costs and Financing Incentives

• Seller Financing

• Cash Offers

• Car - or Did You Already Buy One?

• When Income Grows and You Want to Buy "Stuff"
  Debt-to-Income Ratios and Car Payments

• How Buying a Car Reduces Your Purchase Price

• Things Not To Do Before Buying a Home

• No Major Purchases of Any Kind

• Don't Move Money Around
  Should You Change Jobs?

• Reasons to Delay Buying a Home

• Why Buying a Home is a Good Idea

• The Best Investment Income Tax Savings

• Stable Monthly Housing Costs

• Forced Savings

• Freedom and Individuality

• The Business Cycle and Buying a Home

• Recession and Expansion

• Supply and Demand

• Should You Try to "Time the Market"?

• Why You Should Not Wait

• What's More important - Buying a House? Or a Home?

• Why Search for A Realtor?

• Finding an Agent by "Accident"

• Listing Agents vs. Selling (Buyer's) Agents

• Should You Call the Listing Agent?

• Agent's Advertising - Is the Purpose What You Think?

• Termite and Pest Inspections

• Supply and Demand

• Should You Try to "Time the Market"?

• Why You Should Not Wait

• What's More important - Buying a House? Or a Home?

• The Best Investment Income Tax Savings

• Stable Monthly Housing Costs

• Forced Savings

• Freedom and Individuality

• You and the Seller Must Agree on Some Services Settlement and Escrow

• Title Insurance Companies

• Termite and Pest Inspections
   

 

• How Mortgage Shopping Works!
• The Truth about Closing Costs.
• Your Credit Score...How is it determined....?
• Alternative Mortgages...What to do if you have been turned down!
• Rates...What makes up the Mortgage Rate?
• Slow Credit..?...Alternative Loans for Slow Credit borrowers.
• Mortgage Calculators.
• What is a "Hybrid loan?" Is a hybrid loan in your future?
• No Closing Cost Loans....Do  they really exist?

• WARNING: You Must Read These FREE Reports Before Purchasing Or Refinancing A Home!

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How do you get pre approved using your own Credit Report?

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Powerful Free Books Available:

Download your free copy of our most popular Book on Consumer Credit Now!

Download your free copy of "33 Ways to Sell your home Fast!"

Download your free Home Buyers Handbook

Mortgage Basics

Title/Escrow

 
• Understanding Title Insurance
• The Functions of an Escrow
Closing and Title Costs
• Why Do You Need Title Insurance?
• Title Insurance - Where Does Your Dollar Go?
• Understanding Preliminary Reports
• Required Reporting to the I.R.S.
Statements of Information
• Title Insurance for Trusts