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Tax Changes and Effects
The new capital gains law allows homeowners to avoid paying taxes on the first $500,000 of profit if they are married or on the first $250,000 if they are single.
You must have lived in the home as your primary residence for two of the last five...
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First Time Buyer
Condominiums are a good way to get into the housing market if you can't afford to buy a house or prefer this type of lifestyle. Condos are also great if you don't want to spend a lot of time doing yard work or maintenance.
One important thing to remember...
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Contract Knowledge
Buying a home, you are entering into a legally binding contract that must be clearly understood both in terms of rights and obligations.
Today's real estate contracts are quite lengthy.
Agents are trained to understand and explain the contract along wi
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Mandatory Disclosures Required
With ever increasing mandatory disclosure obligations being placed on sellers of real estate, it can be difficult to keep-up with new requirements.
Below is a summary of disclosures required in residential transactions (1-4) units. Many of...
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Why a Real Estate Appraisal?
There are many reasons why you need a real estate appraisal.
Reduce property taxes, probate, estate planning, divorce settlements are some.
The most common one is to obtain a mortgage.
Most lenders are required by federal and state laws...
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What To Do First
Obtain a copy of your credit report and check for errors.
Do this prior to your lender ordering one. Mistakes are found.
Next gather all your financial data.
Lenders will want to see bank account statements, paycheck stubs, W-2 forms and tax return
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