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Re-Occupancy Inspections & Certificates
Some cities require an inspection by the city in any residential real estate purchase or sale before Closing. The purpose of the re-occupancy inspection is to ensure that the property is in compliance with the current zoning regulations. It provides new buyers with a ce...
Closing Cost Comparison
We help you compare the different costs in a real estate transaction as per the Florida Bar Association & Florida Realtor Association (FARBAR) “AS IS” Purchase and Sale Agreement for residential real estate.
The AS IS Contract states the different costs to be...
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What Steps Need To Be Taken To Secure A Loan?
You’ll see some pictures in this video to help you remember later, but the first step in securing a loan is to complete a loan application.
To do so, you'll need the following information.
Pay stubs for the past 2-3 months.
W-2 forms for t...
What Is A Mortgage?
The original phrase “mort gage” translates as “death pledge”! But as this video explains, a mortgage is a loan obtained to purchase real estate.
The "mortgage" itself is a lien - a legal claim on the home or property that secures the promise to ...
What Is Loan To Value (LTV) And How Does It Affect The Size Of My Loan?
While this video simplifies things to help you remember, the loan to value ratio is the amount of money you borrow compared with the price or appraised value of the home you are purchasing.
Each loan has a specific LTV limit. For example: With a 75% LTV loan on a hom...
What Types Of Mortgage Loans Are Available?
This video tells you about the most common types: Fixed Rate, ARM, Balloon and 2-Step.
First, Fixed Rate Mortgages: Payments remain the same for the life of the loan generally 15 years or 30 years. Interest rates remain the same, so payments are predictable.
A second...
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