Category Archives: Uncategorized

First Time Home Buyer Tip #21

Always check what kind of pets are allowed in the neighborhood you will be moving into We’ve found that most people take for granted that their pet will be accepted in the neighborhood, or that an exception will be made. Unfortunately some communities are so tight-knit that you will find that they are not willing […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #20

Using a variety of credit types will boost your credit score. By variety, we don’t mean 10 different credit cards!  Having a car loan, a credit card or two, some store credit accounts, a line of credit with your bank, etc creates a variety of credit and, if paid diligently, shows you have restraint and […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #19

How much should you budget for repairs on a typical home? Ask anyone that has bought a house before: it’s the hidden costs what can put you over the edge. Budgeting for buying a house can difficult. That’s why first time home buying services exist, after all. They can help breakdown the important details for […]

Posted in Uncategorized | 1 Response

First Time Home Buyer Tip #18

Think you only need one kind of Home Inspection? Think again! You could easily have 10-12 separate inspections on a home.  The two inspections that we highly recommend for most every buyer is the general home inspection and a sewer scope to see if the sewer line is in good condition. You should think of […]

Posted in Uncategorized | 1 Response

First Time Home Buyer Tip #17

Do you know what stays and what goes?? Not positive whether something comes with the house you are writing an offer on?  Things like shelving, mirrors, lighting, etc are called Personal Property and are not necessarily part of the real estate being sold.  If in doubt, be sure to ask for it in your offer […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #16

Don’t transfer money around between accounts or credit cards during the loan process! We’ve created this YouTube video to illustrate our point… What Does Bob Know About Credit.  If you move money from one account to another or use one credit card to pay off a different card, it can affect your credit score negatively.  Many […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #15

Do zero down loans exist anymore? Yes, but nowhere near the number that did even a few years ago.  There are two primary zero down loans and they have some serious limitations.  First, if you’re a veteran there is the VA loan, and the second is the USDA Rural Housing Loan if you are buying […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #14

Not everyone should buy a house! I suppose that is the last thing you thought you’d ever hear a real estate broker say!  Its true and anyone who denies it is only looking out for themselves.  Here is a valuable rule of thumb that you should keep in mind:  If you don’t plan on being […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #13

Think all foreclosed houses are trashed? Not at all!  In fact, many we’ve seen lately are in as good of condition as homes owned by normal sellers.  Some are turned over to the bank by home owners who have cared for the home, and some are fixed up by the bank prior to going on […]

Posted in Uncategorized | Leave a comment

First Time Home Buyer Tip #12

Did you know up to 79% of credit reports contain some kind of error? You might be shocked (or maybe you wouldn’t given the way the credit bureaus work) to know that errors occur this frequently.  The other statistic that you should know is that up to 25% of credit reports have errors serious enough […]

Posted in Uncategorized | Leave a comment
Attend a Class   »

Resource Center

Blog