Posts with tag 'Mortgage'
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Path to Homeownership on Long Island: Using a VA Loan for Your First Home
Our REALTORS® know that questions about financing your home are often at the top of buyers' minds. That's especially true for first-time homebuyers. The process of finding a good mortgage loan can look complicated!
Whether you are interested in Nassau County homes for sale or
23
5 Tips to Stay Positive During the Buying Process
You've decided to buy your dream home. The real estate market is exciting with numerous options to choose from and marks the beginning of realizing your dream. However, navigating through the market and finding a home you wish to purchase can be difficult. Sometimes, the buying process takes longer than expected. Our REALTORS® have put together these five tips to help you remain positive during the buying process.
- Decide Your Wants, Needs, and Deal Breakers
Before reviewing the hundreds of homes on sale, start by developing a checklist. What do you want or need from a perfect home for you? Having preset goals and wants will save you time, and so does identifying your deal-breakers and non-negotiables. Additionally, identifying non-negotiables will save you from disappointment later.
28
6 Tips for Veteran & Military Homebuyers
Owning your own home remains a crucial part of the American dream, but it isn't always easy. From growing debt problems to an ever-changing real estate market, there are plenty of potential roadblocks to homeownership. For veteran and military home buyers, there are some options well worth considering.
Our REALTORS® are proud to have helped countless veterans and active servicemen and women buy homes—in many cases, their first homes. We're grateful for the opportunity to help. If you're a veteran or military homebuyer, keep these tips in mind as you start the homebuying process.
- Know Your VA Loan Options
One of the biggest advantages active military and veterans have when purchasing a home is the ability to secure a VA loan. These home loans are backed by the United States Department of Veterans Affairs and are much more flexible than ordinary loans. In most cases, they cover 100 percent of a home's cost, require no down payment, and allow you to buy a home without having to pay for private mortgage insurance.
19
Buying a House: How Do I Raise My Credit Score?
Our REALTORS® get plenty of questions about credit score and how it relates to buying a house.
Many people are intimidated by the idea of being judged by their credit score. They may have had financial difficulties in the past that impacted their ability to maintain the average score.
Here's some good news: No credit score is perfect – most experts claim that attaining the highest possible score is nearly impossible. Lenders aren't actually looking for "the magic 850," either.
The other thing to know is this: Even if your credit score is lower than you'd like, you still have the chance to change it. Starting even a few months in advance can improve your credit score.
In recent years, lenders have generally relaxed their credit score requirements. Still, improving your score can result in a better loan with a lower APR. That may save you thousands of dollars.
Here's what you can do to raise your credit score: