Home Buying and Life Advice | Embrace Home Loans
Beating The All-Cash Home Buyer
The upturn of all-cash deals have made it pretty hard for homebuyers that plan to make use of a mortgage. In reaction to this trend, many mortgagors are turning to lenders, who are able to quickly close loans or provide a variety of options in financing.
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Are Students Loans Preventing College Grads From Buying Homes?
It’s often said that gaining a four-year education is the way to properly enter adulthood. However, so many college graduates are experiencing even more difficulties than non college-grads because they are in a deep hole of student loan debt. It is problematic for thousands of young folks trying to make it these days, especially with the recent decline in the economy.
The real problem with college loans being so difficult to repay quickly is that it makes it much harder for recent college grads to properly invest their money. Buying a home is something many young people want to do, and feel that they have earned after studying for four years and doing the work it takes to graduate—sadly, most will not have that opportunity unless federal law changes loan interest rates.
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Are You Ready for Home Ownership
So how do you know when you are finally ready to buy? The following checklist is a start to determining whether you are prepared to be king (or queen) of your own castle.
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Buying a Foreclosed Home
Purchasing a foreclosure is much different from buying a typical home. Before you decide to buy, explore the potential risks and benefits of investing in a foreclosed property.
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DIY House Hunting 101
According to the National Association of Realtors, an increasing number of consumers are ditching their agents to shop for homes on their own. The organization reported that 57 percent of buyers in 2010 used real estate brokers, which was down from previous years. Additionally, just 37 percent of buyers found their home through an agent.
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Underwater Mortgages
If you are underwater on your mortgage – meaning you owe more than your home is worth – you have several options. Each potential solution has its pros and cons, and some are better than others.
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5 Best Cities to buy a home
According to a list originally compiled by CNN Money, these five cities provide a perfect combination of location, price, and housing stock that present potential home buyers with the pick of the proverbial litter.
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Home Inspection
If you are shopping for a new home, you have probably been told to get a home inspection before you buy. Some real estate companies include home inspections in their purchase agreements.
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Searching for a New Home Online
Internet access makes searching for a new home easier than ever before. There’s no need to sift through newspaper real estate sections when you can perform your own custom search online— or even take your home search on the road with mobile apps.
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Prescreen, Valid Offers and What They Trigger
If you receive a mortgage loan offer through the mail chances are the offer is the result of a prescreening process. Lenders prescreen “raw” data made available by the credit bureaus.
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