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Category Archives: Buying a Home

Buying a Home

Source of Down Payment – Making Sure Your Cash To Close Comes From The Proper Source

By Joshua Lerette / 03/28/2016 / 0 Comments

Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process. There’s nothing worse in a real estate purchase than making it all the way through the hoops and hurdles just…

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Talk the Talk – Know the Mortgage Lingo at Closing

By Joshua Lerette / 03/27/2016 / 0 Comments

Many borrowers go through the mortgage process in a haze, nodding, smiling, and signing through a bunch of noise that sounds like Greek. Even though you may have put your trust in your real estate and mortgage team, it helps…

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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

By Joshua Lerette / 04/01/2015 / 0 Comments

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate…

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What You Need To Know About The Home Inspection Process

By Joshua Lerette / 04/04/2010 / 0 Comments

Congratulations on finding a house! You now have only a few days from when you signed the purchase and sales agreement to have a home inspection. Chances are your real estate agent made the offer contingent upon a satisfactorily home inspection…

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Where Does My Earnest Money Go?

By Joshua Lerette / 03/28/2010 / 0 Comments

Hey, I gave my real estate agent a $5000 Earnest Money Deposit check… Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest…

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Rent vs Own | What You Should Know

Renting vs Buying A Home

By Joshua Lerette / 03/28/2010 / 0 Comments

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…

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First-Time Home Buyer Checklist

By Joshua Lerette / 03/28/2010 / 0 Comments

Getting a home loan or mortgage for a First-Time Home Buyer can be a little overwhelming with all of the important details, constant guideline changes and federal regulations the mortgage industry faces today. Luckily, we are here to help and…

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Common Documents Required For A Mortgage Pre-Approval

By Joshua Lerette / 03/28/2010 / 0 Comments

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…

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Assembling Your Home Buying Team – Knowing The Players

By Joshua Lerette / 03/24/2010 / 0 Comments

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…

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Seven Things Your Agent Should Know About Your Mortgage Approval

By Joshua Lerette / 03/01/2010 / 0 Comments

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…

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