28 Jun 2018

Timdango Movie Review: CHIPS

Timdango Movie Review: CHIPS

So it is summer time and my wife took our 3 kids to the library. God bless her. While she was there, she was looking at the movies and saw “Chips” with Dax Sheppard and Michael Pena. We both like comedies and the movie was free to rent so she decided to get it. We are both kids that grew up in the 80’s and watched the old Chips series so we thought this would be a good throwback movie with a few laughs.

Wrong. It sucked……..a lot.

We started watching this movie on a Friday night. My wife was asleep within 20 minutes. She woke up about 30 minutes later for a few more minutes and said “I haven’t laughed once” and then fell back asleep.

I sat through about 75% of the movie before throwing in the towel and realizing that sleep was more important than finishing this movie.

I haven’t fully decided if I am going to go back and find out what happened since we have the movie for like two weeks.

The plot was pure garbage. Literally the only time I chuckled was when Ponch’s face managed to hit John’s naked genitals while he awkwardly carried him into the bath tub. Even that scene was painful to watch because the story sucked so bad.

Whoever decided it would be cool to let Dax Sheppard star in the movie while also being the writer and director needs to update their resume. I have never been a fan of him other than his supporting role in “Idiocracy” Great movie by the way!

I got a little excited when Private Pyle from Full Metal Jacket showed up as the villain but he was equally as bad as everyone else. There was no saving this movie.

Maybe if R. Lee Ermey showed up for a cameo to save the day, it would have helped. That would have been cool to see Gny. Sgt Hartman from Full Metal Jacket riding in on his motorcycle as the legendary High Patrolman that came out of retirement to help at the very end. He ghost rides his bike into Pvt Pyle as he yells “Now you are in a world of S**t”! Come to think of it, that may have happened since I have not finished the movie yet. I doubt it did.

Go pull weeds instead of watching this movie.

UPDATE : 24 hours later: I went back to finish the movie. I felt it was unfair to review the movie and I was pretty close to being done anyways. I finished the movie. It still sucked… don’t bother.

10 Jan 2018

The Power of Visualization

The Power of Visualization

Tim Hart’s Vision Board

A couple years back, I was looking for a new truck. I did a little research, and came across a particular make, model, and color I liked. As I’ve long been a firm believer in visualizing the things you want (more on that later), I printed out a picture of my dream truck and pinned it to the vision board in my office. Over the next couple months, my wife shopped around to find the ideal vehicle. She’s a true expert at online shopping and researching potential purchases to find the best deals. Lo and behold, one day she caught me right as I was walking in the door and told me, “I’ve found it. You’re gonna love this truck.”


Excited, but not thinking much of it, I went to the dealership to give it a test drive. I could tell almost immediately that it was the one. A hulking 4×4, black, with all the features I’d been looking for. And of course, since my wife had been the one doing all the research, it was priced perfectly for our budget and was a fantastic deal.


Thrilled, we bought it that same day. The following day, I was happily admiring my new truck in the office parking lot from my desk when I looked at my vision board. Right there, pinned to the cork board, was the spitting image of the truck I’d just purchased — almost exactly the same one I’d envisioned months before. How’s that for the power of visualization?


I’ve been thinking a lot about my tendencies for setting and meeting goals as we move into 2018. I may not be the type of person to set a resolution that starts Jan. 1, but I’ve always been interested in finding ways to reach higher in both my professional and personal life.


At some point, I think while reading Jack Canfield and Mark Victor Hansen’s “The Power of Focus,” I came across the idea of a vision board. To achieve the things you want, you need to put it at the front of your attention. When you imagine yourself living in your dream, mustering all of your imagination, suddenly, even the loftiest goals seem remarkably within reach. It alters your subconscious to the point that you believe whatever you’re looking toward is on its way to you, keeping you firmly on the right path toward the desired endpoint.


For almost five years, I had a cut-and-paste picture of my buddy Travis Smith and I holding snook on a fishing boat, with a cameraman filming us for the fishing show I always dreamed of having. Then finally, in September 2016, I made my show “Rates and Reels” a reality, and had Travis on as my first guest. The show, a chicken coop, a truck, a boat are all dreams that became a reality, thanks in part to the vision board.


I find goals give us purpose and direction, keeping us zeroed in on things that matter most. For 2018, I’m looking forward, more than ever, to helping more people own the home of their dreams, offering better educational resources and tools to make the process as easy as possible. In addition, I’m hoping to expand the viewership for “Rates and Reels.” I’ve even been playing with the idea of starting a podcast, assuming I can figure out what exactly I want to talk about without just rambling incoherently.


Here’s hoping, like me, you’re finding a lot to look forward to in this coming year, and you’re able to visualize and realize whatever goals you dream of achieving. Happy New Year!


–Tim Hart

12 Oct 2015

Calculating Loan-to-Value (LTV)

Calculating Loan-to-Value (LTV)

Understanding the definition of Loan-to-Value (LTV), and how it impacts a mortgage approval, will help you determine what type of loan amount and program you may qualify for.

Since the LTV Ratio is a major component of getting approved for a new mortgage, it’s a good idea to learn the simple math of calculating the amount of equity you may need, or down payment to budget for in order to qualify for a particular loan program.

The LTV Ratio is calculated as follows:

Mortgage Amount divided by Appraised Value of Property = Loan-to-Value Ratio

*On a purchase transaction for a residential property, the LTV is calculated using the lesser of either the purchase price or appraised value.

For Example:

Sally qualifies for a 96.5% Loan-to-Value FHA program, which means she’ll have to bring in 3.5% as a down payment.

If the purchase price is $100,000, then a 96.5% LTV would = $96,500 loan amount. And, the 3.5% down payment would be $3,500.

$96,500 (Mortgage Amount) / $100,000 (Purchase Price) = .965 or 96.5%

In addition to determining what mortgage programs are available, LTV also is a key factor in the amount of mortgage insurance required to protect the lender from default.

On a conventional loan, mortgage insurance is usually required if you have an LTV over 80% (one loan is more than 80% of the home’s appraised value). On that point, if you are currently paying mortgage insurance and think that your LTV is less than 80%, then it may be time to refinance, or call your lender to restructure the payment.


Frequently Asked LTV Questions:

Q:  Why do the lenders care about Loan to Value?

Lenders care about the LTV because it helps determine the exposure and risk they have in lending on a certain property. Statistics show that borrowers with a lower LTV are less likely to default on their mortgage.  Also, with a lower LTV the lender will lose less money in case of a foreclosure.

Q:  Can I drop my mortgage insurance on an FHA loan?

The mortgage insurance on an FHA loan is structured differently than a conventional loan. On a 30 year fixed FHA loan, the monthly mortgage insurance can be removed after five years, as well as when the borrower’s loan is 78% LTV.

Q:  What does CLTV stand for?

CLTV stands for Combined Loan To Value. The CLTV calculation is as follows:
(1st Mortgage Amount + 2nd mortgage amount) / Appraised Value of Property = CLTV


Related Articles – Mortgage Approval Process:

12 Oct 2015

What’s My Debt-to-Income (DTI) Ratio?

What’s My Debt-to-Income (DTI) Ratio?

Debt-to-Income (DTI) is one of the many new mortgage related terms many First-Time Home Buyers will get used to hearing.

DTI is a component of the mortgage approval process that measures a borrower’s Gross Monthly Income compared to their credit payments and other monthly liabilities.

Debt-to-Income Ratios are designed to give guidance on acceptable levels of debt allowed by particular lenders or programs.

There are actually two different Debt-to-Income Ratios that underwriters will review in order to determine if a borrower’s monthly income is sufficient to cover the responsibility of a mortgage according to the particular lender / mortgage program guidelines.

Most loan programs allow for a Total DTI of 43% and a Housing DTI of 31%.

Two Types of DTI Ratios:

a) Front End or Housing Ratio:

  • Should be 28-31% of your gross income
  • Divide the estimated monthly mortgage payment by the gross monthly income

b)  Back End or Total Debt Ratio:

  • Should be less than 43% of your gross monthly income
  • Divide the estimated house payment plus all consumer debt by the gross monthly income

Remember, the DTI Ratios are based on gross income before taxes.  Lenders also prefer to use W2’s or tax returns to verify income and employment.

However, the adjusted gross income is used to calculate DTI for self-employed borrowers on most loan programs.  Since there is room for interpretation on these guidelines, it’s important to review your personal income / employment scenario in detail with your trusted mortgage professional to make sure everything fits within the guidelines.


Related Articles – Mortgage Approval Process:

18 Sep 2015

Home Buying Process

Home Buying Process

Home Buying Steps / Process:

Step 1 – Getting Pre-Approved Prior to Shopping for a Home

It’s obviously important to know how much home you can afford, what type of down payment to budget for, monthly mortgage payment as well as what type of loan program you’ll be using to finance the new property.

Certain mortgage loans have residence type, HOA, appraisal or insurance restrictions that your agent needs to be aware of prior to showing you listings.

A personalized strategy session with a trusted mortgage professional should address all of your initial loan approval questions, as well as uncover any potential challenges that can complicate the entire transaction.

Step 2 – Assembling Your Home Buying Team – Knowing The Players

The home buying process has many steps, participating parties and potential challenges that can be overcome with the right team on your side.

Your agent, attorney, title company, insurance agent and lender all have important roles to play.

Buying a new home is literally a team sport since there are so many tasks, important timelines, documents and responsibilities that all need special care and attention.

Besides working with a professional team that you trust, it’s important that the individual players have the ability to effectively communicate and execute on important decisions together as well.

Step 3 – Purchase Offer Submitted

Assuming that you’ve already been given a mortgage approval and have a firm understanding of the type of property you are qualified to purchase, your agent will submit your purchase offer to a listing agent or seller.

Once you receive an accepted offer, the due-diligence period starts a series of timelines for final mortgage approval, appraisal, inspections and other requirements which would be spelled out in the terms of the contract.

Step 4 – Conditions and Paperwork

It comes in from all angles at this point, lenders, processors, insurance agents, sellers, real estate agents…. and the list can go on.

Step 5 – Closing

A successful closing requires all of the team players to come together at the same time, with the same agenda, on the same date…. with numbers and figures that match.

Related Home Buying Process Articles:

Renting vs Buying

Buying a home versus renting is a big decision that takes careful consideration.

While there are several biased sources that can make arguments for or against owning a home, we’ve found that most home buyers base their ultimate decision on emotion.

Cost, Qualifying, Freedom, Maintenance and Security are some of the main reasons for renting, as well as owning.

…….(read more about Renting vs Buying)

Seven Things Your Agent Should Know About Your Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied.

New regulation, updated disclosures, appraisal guidelines, mortgage rate pricing premiums, credit score, secondary approval layering, rescission deadlines, property type, HOA insurance requirements, title and property flip rules are just a few of the daily changes that can have a serious impact on a borrower’s home loan financing.

…….(read more about Your Approval)

Important Factors To Consider When Purchasing A Foreclosure or Short Sale

Short sales, foreclosures and new construction homes all have caveats that need to be considered when pursuing financing.

If the guidelines and potential pitfalls are not properly understood, you could face delays in closing or potentially even a denied loan.

Property Condition, Timing Challenges, New Construction Appraisal Process… are a few issues that your agent will need to have experience paying attention to in order to ensure a smooth mortgage funding and closing process.

…….(read more about Purchasing A Foreclosure or Short Sale)

First-Time Home Buyer Credit Checklist

Getting a new mortgage for a First-Time Home Buyer can be a little overwhelming with all of the important details, guidelines and potential speed bumps.

Since there are so many rules and steps to follow, we’ve put together a simple list of Do’s and Don’ts to keep in mind throughout the mortgage approval and closing process.

Consolidating credit cards, paying off collections and multiple inquiries on your credit report are a few things that could have a negative impact on an approval.

…….(read more about First-Time Home Buyer Credit Checklist)


Frequently Asked Questions:

Q:  What Is The Difference Between A “Buyer’s” and “Seller’s” Market?

Simple economics is the rule of thumb here.

Everyone wants to “buy low and sell high,” but the truth of the matter is there is no way that can happen for everyone, every time.

Seller’s Market = More buyers than sellers

Buyers Market = More sellers than buyers

Q:  Where Does My Earnest Money Go?

The Earnest Money Deposit is credited back towards the buyer’s closing costs and/or down payment.

Any additional funds are given back to the buyer from the escrow company.

Q:  Do I Need A Home Inspection?

Some mortgage programs require a borrower to get a home inspection if it is mentioned in the purchase contract.

Either way, there are several reasons why it is important for a home buyer to have a licensed professional take a closer look at a property before the transaction is finalized.

…….(read more about home inspections)

Q:  Does it matter if I buy a home that is part of a Home Owner’s Association?

A Home Owner Association may have the power to determine the color of your home, the number of pets you have and the type of grass you have to plant.

They also may have the power to levy assessments, dues and fines.

Or, they may be as simple as collecting a few dollars per year to make sure the grass is cut in the common areas.

18 Sep 2015

Closing Process

Closing Process

The home buying process is full of paperwork, important dates, contracts, market movements and checklists that can even overwhelm seasoned real estate investors.

One of the main reasons to make sure you’re working with a professional real estate buying team is the fact that you get to lean on their combined experience to ensure a smooth and painless closing.

Some agents and loan officers can close upwards of 20+ transactions a month.  Compared to the 5-7 homes an adult may purchase in his/her lifetime, you can obviously see where it helps to have a few trusted professionals in your corner.

Helpful Link: Talk The Talk – Know The Mortgage Lingo At Closing

The closing process can be argued as the most critical part of a real estate transaction where the most amount of things can go extremely wrong.  This is where that professional team will really prove their value.

If all of the initial questions, concerns, documents and contingencies were addressed early in the mortgage approval and home shopping process, then you should feel confident about walking into the closing with all bases covered.

However, we’ve listed a few bullets, links and frequently asked questions on this page to help highlight a few important topics you may want to be aware of during the closing process.

Six Prior-To-Closing Conditions That Can Delay Your Escrow:

Even though your lender may have provided a Pre-Approval and/or Mortgage Commitment Letter, there may still be several conditions that could delay a closing.

Sometimes buyers and agents let their guard down with the relief of getting closing documents to title, and they forget that there may still be a bunch of work to be done.

Prior-to-Closing conditions are items that an underwriter would require after reviewing your file, which could simply be an updated pay-stub, a letter of explanation of recent credit inquiries or more clarification on information found in a tax return.

Here is a list of a few Prior-to-Closing conditions you should be aware of:

1. Updated Income/Asset Documentation-

You may have supplied your lender with a mountain of documentation, but make sure you continue to save all of your new paystubs and financial statements as you move through the process. Chances are your lender will want updated documents as you get closer to closing.

2. Credit Inquires

If you have had recent inquires on your credit report, a lender may check to see if any new credit has been extended that may not yet actually appear on your report.

An inquiry could be for something minor such as a new cell phone, but can also be something that will impact your ability to qualify for the loan such as a car payment or another loan that you co-signed to help out a family member.

……(read more on Credit Inquires)

3. Employment Verification-

Your lender will be making sure you are still actively employed in the position that is listed on your loan application, and they will do this more than once in the process.

So make sure regular life events, such as maternity leave or a scheduled surgery, have been brought to your loan officer’s attention ahead of time.

Once an underwriter starts to uncover surprises, they may hold a file up for a while to do a bunch of unnecessary digging to find out if there are any other issues that the borrower failed to mention.

4. Funds for Closing-

Lenders will want to source where every dollar for the transaction is coming from and verify that it has been deposited into your bank account. If funds need to be liquidated from a retirement account or home equity line start the process sooner rather than later.

Sometimes lenders will not release all of the funds immediately after a large deposit so it is important to have these in place well ahead of your closing date. The same applies for Gift Funds-make sure the donor is aware of your time frame and is willing to supply the required documentation to your lender.

……(read more on Making Sure Your Cash To Close Comes From Proper Source)

5. Title and Judgment Searches

Typically, title and judgment searches are performed farther along in the mortgage process because they are not ordered until after you receive your mortgage commitment. These searches could reveal judgments against your name or the sellers along with liens against the property you are buying or selling.

Sometimes, even an old mortgage appears against the property since it was never properly discharged, or if you have a common name items could appear that are really not yours.

Either way, the underwriter and title company will want to be sure that these are cleared up before the closing.

……(read more on Title and Judgment Searches)

6. Homeowners and Flood Insurance Coverage

Lenders want to review your policy several days prior to closing to make sure coverage is sufficient and accurately account for it in your monthly payment.

Insurance coverage can sometimes be difficult to obtain depending on your past history with claims, credit, location and type of the property.

……(read more on Homeowners and Flood Insurance Coverage)

Items to Bring to Closing Appointment:

Your real estate agent and/or mortgage loan officer should be providing you with a final list of documents that need signatures or updated verifications, so the general list of items needed at closing is quite basic:

1.  Funds To Close –

If you are required to bring in a down payment and/or pay for closing costs to finalize the transaction, you’ll need to bring a certified check from a bank.  The escrow company, your agent and loan officer should provide you with a full breakdown of all fees / costs involved in the transaction.

While these final numbers may be more accurate than the initial Good Faith Estimated which was provided at the beginning of the application process, there will still be a small buffer amount added by escrow to cover any prepaid interest or other minor changes.

If you don’t have to bring in any funds to close, then you might actually be getting a portion of the Earnest Money Deposit back.

Keep in mind, it is important to make sure these funds to close come from the proper sources.

2.  Proof of Identification –

Official Drivers License or State ID card.  Passports will work as well.


Frequently Asked Questions:

Q:  Does It Matter Which Day of the Month I Close?

The date of your closing is all about how you view the money being applied. Pay now or pay later, but it will always be collected.

Let’s first look at how mortgage payments are broken down:

When you pay your rent for the month, you are actually paying for the right to live in the house for the upcoming month.

However, your mortgage payment is broken into four separate components; principle, interest, taxes and insurance (PITI).

The principle is paid towards the upcoming month, interest is paid towards the previous month and the taxes and insurance are deposited into an impound account.

As far as closing on a particular day of the month to save money on interest payments, it depends on the type of loan program you are using.

If you’re more concerned about successfully closing with the least amount of stress, then early to mid month is usually the best time to close.

Q:  I am refinancing an FHA loan, will it benefit me to close in the beginning of the month?

No, in fact FHA refinances should always close at the end of the month because you are responsible for the entire month’s interest.

Q:  Should I be concerned about the closing date on a conventional loan refinance?

Not really, however you can save a couple dollars by closing early in the month, just avoid closing on a Friday because you could be responsible for the interest on two loans over the weekend.

18 Sep 2015

Getting Financing On A Foreclosure, Short Sale or New Construction

Getting Financing On A Foreclosure, Short Sale or New Construction

Short sales, foreclosures and new construction homes all have caveats that need to be considered when pursuing financing.

If the guidelines and potential pitfalls are not properly understood, you could face delays in closing or potentially even a denied loan.

Short Sales & Foreclosures -

Short sales and foreclosures are everywhere. They often represent great value when looking to by a new home.

However, they also present a unique set of problems that homebuyers need to be aware of and plan for.

1.) Property Condition

Typically, when homeowners are facing foreclosure or looking to short sell their house, it means they lack the financial means to pay the mortgage or maintain the property.

A property in poor health can cause many financing issues for traditional financing.  FHA loans have specific rules requiring that the property is move-in-ready, unless you’re using a 203(k) Rehab Loan.

2.) Timing Challenges

Short sales typically come with awkward timeframes for purchase contract approval and loan closing.

Each bank is different, but approval can take anywhere between a week to 120 days.  As a general rule, the larger the bank the longer it takes to get short sale approval.

The lack of a set timeframe for short sale approval makes the timing of loan submission, rate locks and closing very challenging. You have your approval conditions cleared to close on time, just to find out that new appraisals, income, employment and asset verifications need to be updated by an underwriter to cover the most recent 30 days. Worst case, purchase contracts and legal documents may have to be re-submitted to a bank for an updated approval.

Either way, be prepared for a lot of redundant paperwork when purchasing a short sale property.

New Construction -

Home buyers looking to purchase new construction using FHA financing will have more hoops to jump through than those purchasing through conventional (Fannie Mae / Freddie Mac) financing.

If you want to use FHA financing to purchase new construction then you need to be aware of a number of issues that can trip you up.

First, you MUST have a certificate of occupancy (C.O.) certifying that the property is complete and move-in-ready. If you do not have this then you typically CANNOT go FHA. You’ll need a renovation loan, but a FHA 203K WILL NOT work.

You’ll need to employ the Fannie Mae HomeStyle for a property without a C.O.

In addition to the C.O. you’ll need some combination of the following documents as dictated by your lender and your unique situation:

  • Builder’s Certification
  • One Year Builder Warranty (10 YR Warranty may be required)
  • Termite Inspection (when applicable)
  • Septic Inspection (when applicable)
  • Well Test (when applicable)
  • Construction Permits

There are a number of factors which go into exactly what combination of documentation will be required to satisfy your lender and FHA, so it is best to work with an experienced loan officer when purchasing new construction with FHA financing.

If you plan on using conventional Fannie Mae / Freddie Mac financing you’ll still have hoops to jump through, just not as many as FHA. You’ll also have a higher down payment requirement and the credit qualification guidelines tend to be stricter.

Whether it be FHA financing, conventional financing or renovation financing, it’s important to have a qualified home buying team in place that can lead you through the maze of paperwork and negotiations.


Related Articles – Home Buying Process:

18 Sep 2015

Common Documents Required For A Mortgage Pre-Approval

Common Documents Required For A Mortgage Pre-Approval

Even though many lenders are still quoting quick 10 minute pre-qualifications over the phone or online, a true mortgage approval that holds any weight is one that has been issued by an underwriter who has had an opportunity to review all of the necessary documents.

With a constant stream of new lending guidelines, volatile mortgage rates and tightening regulation from Washington, very few real estate agents will show new homes to a First-Time Home Buyer without at least a pre-qualification letter.

A Pre-Approval Letter will help you in three ways:

It’s obviously a good idea to get your paperwork prepared ahead of time so that the pre-approval process is as thorough as possible.

In order to get a pre-approval letter, you’ll start by filling out a loan application and submitting a few documents for the loan officer and / or underwriter to review.

Common Loan Pre-Approval Documents:

Income / Assets for Wage Earner:

  • Last 2 year W2s and Tax Returns
  • 2 most recent Pay Stubs
  • 2 most recent Bank Statements, 401(K), Liquid Assets, Investment Accounts

Income / Assets for Self-Employed:

  • Last 2 year Tax Returns – Business and Personal
  • Last Quarter P&L Statement

Letter of Explanation For:

  • Employment Gap or New Line of Work
  • Late Payments / Judgments / Bankruptcy on Credit Report


  • Bankruptcy Discharge
  • Child Support Documentation
  • Lease Agreements (If own other Rental Properties)
  • Mortgage Payment Coupons (If own other Real Estate)


Most borrowers also want an opportunity to learn more about the loan officer before digging up all of these personal documents. Spend 15 minutes on the phone asking the loan officer to explain how mortgage rates work, quizzing them on some basic industry vocab or just to see if they know what to prepare your agent for ahead of time. The Q&A session can be more than just a lender qualifying you, as long as you’re prepared to ask the right questions.

Either way, you’ll definitely want to have the above list of approval documents ready once you’ve decided on the right loan officer that you trust will meet your expectations.


Related Articles – Mortgage Approval Process:

17 Sep 2015

Florida Home Buyer Tips

Florida Home Buyer Tips

Florida Mortgage University

Tim Hart has put together a home buyers tips section in the form of a school lesson. Hopefully you find it useful in your task of buying a home in Florida! This is a summary of each lesson structured to allow you to click on what ever category you will find useful at this time. I hated school so this will be painless. Let the lessons begin!

Lesson #1: Know Your Credit Health

Your credit is one of the most vital pieces to your mortgage. We will use your credit score as its main tool to judge if you are going to pay the lender on time or…..Click here to read more.

Lesson #2: Be Prepared to Explain Your Past Credit History

When your are obtaining a Mortgage and especially if you are a First Time Home Buyer you will want to be prepared to explain your past credit history if……Click here to read more.

Lesson #3: Use Our Free Florida Mortgage Calculator

When you are trying to obtain a Mortgage and buy your new home know what kind of payment to expect because you may be….Click here to read more.

Lesson #4: Have Your Mortgage Documents Ready

When you apply for your new Mortgage you will be required to provide documents so that your loan can be approved and….Click here to read more.

Lesson #5: Be Honest With Your Loan Officer

Tim Hart will be honest with you in your transaction to obtain a Mortgage so please do the same with us and we….Click here to read more.

Lesson #6: Get in the Game and Get Pre-Approved

Whether you are a First Time Home buyer, 2nd Home Buyer or an Investor, CONGRATULATIONS, you are making a big step in your life by…Click here to read more.

Lesson #7: Know What You Want

It seems simple but you would be surprised how un-prepared some First Time Home Buyers and even experienced homeowners really are when…..Click here to read more!

Lesson #8: Do I Have to Pay Closing Costs?

You will only have several options for your closing costs to be paid, either by the seller through the sales price or by the buyer with…..Click here to read more.

Lesson #9: Work With a Good Realtor

A Realtor does not cost a buyer anything to hire. They are paid for out of the seller proceeds so they DO NOT cost you anything and….Click here to read more.

Lesson #10: Don’t Forget the Extras

When you are looking at properties always be aware of these payments. They will either be included in your monthly payments our required to paid yearly unless….Click here to read more.

Lesson #11: If You Find a Great Deal, Make a Fair Offer

The Florida Real Estate market is not the same as it was in 2008 or even a month ago. Houses are going quick, Inventory is low and you need to…..Click here to read more.

Lesson #12: Shop For Home Owners Insurance

One major piece to your Mortgage puzzle is finding the best Home Owners Insurance for your new home but it could be…..Click here to read more.