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What Is The Debt-To-Income Ratio (DTI)?
Measuring your existing debts against your existing income is one part of a lender’s required assessment of your ability to repay a loan.
Like the video says: debts are existing financial commitments; a car payment is a debt a gro...
When Do I Get My Loan Closing Disclosure?
If an eligible loan proceeds from Estimate to closing, creditors must provide a Closing Disclosure form documenting the actual transaction terms and costs THREE business days before consummation. It must be in writing, whether paper or digital, and disclose ONLY the...
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What Should I Look For When Walking Through A Home?
As we show you in this video, in addition to comparing the home to your minimum requirement and wish lists use the HUD Home Scorecard and consider the following:
Is there enough room for both the present and the future?
Are there enough bedrooms...
What Questions Should I Ask When Looking At Homes?
As you’ll see in this video, many of your questions should focus on potential problems and maintenance issues.
Does anything need to be replaced? What things require ongoing maintenance like paint, roof, heating and AC, appliances and carpet?
Also ask about the...
Is An Older Home A Better Value Than A New One?
Well, as this story shows, there isn't a definitive answer to this question. You should look at each home for its individual characteristics.
Generally, older homes may be in more established neighborhoods offer more ambiance and have lower property tax rates. People...
How Do I Begin The Process Of Buying A Home?
Remember these pointers from the video: start by thinking about your situation.
Are you ready to buy a home?
How much can you afford in a monthly mortgage payment?
How much space do you need?
What areas of town do you lik...
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