Which one best suits your needs and budget? Just Ask Jackie for some guidance!
The 10 Commandments When Applying for a Mortgage Loan
Thou shalt not change jobs, become self-employed or quit your job. Thou shalt not buy a car, truck or van (or you may be living in it)! Thou shalt not use charge cards excessively or let your accounts fall behind. Thou shalt not spend money you have set aside for closing. Thou shalt not omit… [Read More]
Handy Loan Application Check List
General: Picture ID with Social Security Number Payment to cover application fee. Name and complete address of all landlords (past 2 years). Income: Employment history, including names, addresses, phone numbers, and length of time with that company (past 2 years). Copies of your most recent pay stubs and W-2 form (past 2 years)…. [Read More]
What’s an ILC?
Mortgage and title insurance companies require an “I.L.C,” or an Improvement Location Certificate, to be sure there are no boundary or encroachment problems associated with the property, before they provide a loan or insurance. If a Seller has built an addition, popped the top, built a new garage, etc., since they purchased the home, an… [Read More]
What A Home Inspection is All About
If you are purchasing a resale property, I highly recommend that you have a professional home inspector conduct a thorough inspection. The inspection will include the following: Appliances Plumbing Electrical Air conditioning and heating Ventilation Roof and Attic Foundation General Structure The inspection is not designed to criticize every minor problem or defect in the… [Read More]