Buyers

Home Warranty A home warranty is an affordable way to cover the costs of unexpected mechanical failure of a major system or appliance. A home warranty is specifically designed to cover the kinds of repairs that home insurance does not: appliances, plumbing and electrical, air conditioning and furnaces, and pool equipment. The average annual cost…

Homeowner’s Insurance When buying a home, one word you will hear often is “insurance.” As a homeowner you are concerned about protecting your house, your personal belongings and your personal liability. It is important that the coverage you choose provide the comprehensive protection that you need. Homeowner’s insurance protects you and your house against losses…

Avoiding Irresponsible Lending & Managing Your Debt When borrowing a mortgage loan, making payments on a car and dealing with credit card bills and multiple insurance costs, the numbers of each can get a bit overwhelming – or go unnoticed. But homeowners today will impatiently and quickly make all payments, and get into loans and…

When buying a home, it is helpful to determine the type of home you’ll like and how much you can afford before beginning your search. Most lenders allocate approximately 28% of your GROSS MONTHLY INCOME to housing expense. Housing expense includes principal, interest, taxes and insurance (PITI). To get an idea of how much you…

Getting That Perfect Mortgage For most first-time home buyers, shopping around for that “perfect” mortgage can be a daunting and complicated task. Just as if you were to take your time purchasing a car or new large screen television, purchasing a mortgage loan takes patience and research so that you receive the best possible deal…