How to be a Professional Home-Owner

Feb 12, 2020 12:12:57 PM / by Brett O'Daniell posted in Mortgage, foreclosure, payments, mortgage payments, maintenance, emergency funds

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It's right around the corner; The paperwork is done, the insurance is paid, you are moved into your new home. The power is turned on and the movers just set down the last piece of furniture. Finally, you have time to rest right?

You're almost there!

By following the expert's check-list provided by HomeTraq, you can guarantee that you manage your new home or property like a professional!

 

 

Mortgage Payment

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Finding The Right Home Inspector

Feb 10, 2020 11:55:16 AM / by Brett O'Daniell

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ashi.org: The website of the American Society of Home Inspectors, Inc., (ASHI) has a search feature that allows you to locate local home inspectors with one of the following designations:

Certified Inspectors are members of ASHI who have met certain requirements:

  • ƒƒPassed the National Home Inspector Examination and ASHI’s Standards and Ethics Examination.

Examination

    -ƒHad inspection reports successfully verified for compliance with ASHI’s Standards of Practice.

    -ƒSubmitted valid proof of performance of at least 250 fee-paid home inspections that meet or exceed the ASHI Standards of Practice.

ASHI Examinations

  • ƒƒASHI Inspectors have passed the National Home Inspection Exam or a valid state exam, completed ASHI’s Standard of Practice and Code of Ethics modules and submitted a valid list of performance validating at least 75 fee-paid home inspections.
  • ƒƒASHI Associates are new to ASHI and have not yet completed its requirements to move up in membership.

    While going through the home-buying process it's easy to become overwhelmed with the industry jargon. We are here to guarantee you the best real estate and home-hunting experience by providing you with the knowledge and resources to make the best decisions possible.

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6 Things You Can Learn About Credit Right Now!

Feb 8, 2020 7:48:17 PM / by Brett O'Daniell posted in Mortgage, Lending, millennials, Credit, Credit Score, homeownership, baby boomer

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Whether you are a millennial just starting to think of possibly applying for a loan, or if you are a baby boomer getting ready to refinance your 3rd house, its always good to keep track of what is going on with your credit and your credit score. Here are some quick highlights as to why it is so important and how you can monitor one of your most important assets.

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The Selling Agent Checklist - Must Have!

Feb 7, 2020 1:32:58 PM / by Mark Gorman posted in agents, listing agent, selling agent

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As a seller, you'll want to know exactly how the agent will sell your home. Is a direct mail campaign appropriate? Why or why not? Where and how often do they advertise? What kind of photography do they offer? Do they market online? What steps will they take to prepare your home for sale?

 
Open Houses - Have your agent or their associates hold an open house as often as possible, but definitely from time to time. These bring in prospects that are not yet willing to commit to an agent, but are interested. However, do understand that open houses are mostly to attract buyers for the agent, and doesn't necessarily get the house sold. It definitely doesn't hurt, as it could lead to buyer or a referral to another prospective buyer.
 
An open house provides a buyer with the opportunity to gather quite a bit of information on a home in a short amount of time. The listing agent often will be present and ready to answer questions, which will allow a buyer to get his or her full attention. The information needed to make an informed purchase might come immediately rather than waiting for a buyer's agent to get back to them.  
 
Broker/Agent Open Houses - Have your agent promote the new listing to the broker/agent network. Getting them there can be as valuable as having the right buyer walk into your home, as they may already have a buyer looking for your exact house!
 
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Title insurance: The truth revealed.

Feb 6, 2020 5:08:50 PM / by Mark Gorman posted in insurance, before you buy, title, homebuying, title insurance

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When it comes to title insurance, there can be a lot of information out there—and not all of it correct. Like much of the home-buying process, the title insurance process can often seem too technical or complicated to understand.

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Real Estate Insider - Credit, Credit Resources and Credit Counselors

Feb 5, 2020 11:28:31 AM / by Mark Gorman posted in homebuyers, Credit, Credit Score, financing, capital, mortgage payments, homebuying, boosting credit, credit bureaus

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There are three major credit reporting agencies.

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The Loan Approval Phase

Feb 2, 2020 9:26:08 PM / by Mark Gorman posted in Home Loan, financing, capital, buying a home, income, credit bureaus

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Lender Evaluates Mortgage Loan Application:

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Overall Guidance on the Homebuying Process

Dec 13, 2019 6:29:31 PM / by Jeffrey Che

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fanniemae.com: The KnowYourOptions section of the Fannie Mae website provides
a variety of resources, including several calculators and lists of housing counselors and lenders.

freddiemac.com: Freddie Mac provides an interactive homebuyer guide, My Home by Freddie Mac®, as well as information
on maintaining healthy credit habits. The CreditSmart
® guide is available in both English and Spanish.

Housing Counselors.

hud.gov: HUD’s website includes lists of agencies that are approved by HUD to provide housing counseling.

knowyouroptions.com: This website created by Fannie Mae provides links to housing resources and credit counseling.

Real Estate Owner (REO) Properties.

hud.gov: With the HUD website, you can access lists of homes for sale by several federal agencies, as well as Fannie Mae and Freddie Mac.

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Considering moving into a smaller space?

Dec 11, 2019 6:08:23 PM / by Jeffrey Che posted in consumer, home ownership, before you buy, buying a home, moving checklist, homebuying

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Are you planning on moving into a smaller space? If so, begin your search by asking yourself 10 critical questions and taking these first key steps.

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Why co-signing on a loan is probably a bad idea

Dec 9, 2019 4:00:12 PM / by Mark Gorman posted in Home Loan, cosign, loan

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Lots of people – even those we love – don’t make good on promises; your credit takes an immediate hit

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