Ben Casteel

VERY INTERESTING READ FOR 1ST TIME HOME BUYERS OUT THERE!!! CHECK THIS OUT:

ALL APPLICANTS: All home loan applications will eventually need the following: A copy of your Purchase Contract, signed by all buyers and sellers Original pay stubs covering the last 30 days; continue to save your pay stubs until you close!... Original W-2 forms and K-1s for the last 2 years Original bank statements for the past 2 months for all checking, savings and money market accounts Federal filed tax returns with all schedules for all borrowers covering the past 2 years The name, address and phone number of your landlord for the past 2 years, if you are currently renting or have rented in the past 2 years Original 401(k) and IRA statements (most recent statement) Award letter, if you are receiving retirement, Disability or Social Security Original investment account statements (including mutual funds, annuities, etc.) for the past 3 months [if applicable] A copy of your diploma and/or transcript, if you have graduated from high school or college during the last 2 years A letter explaining the reason for a gap in employment, if during the past 2 years you have a gap in your employment of 30 days or more A copy of your signed HUD-1 Settlement Statement showing the amount of proceeds, if you are selling your present home (if the sale of your home is not yet closed, provide us with a copy of a contract and Realtor's Estimate of Proceeds) A copy of your company's relocation policy/offer, if you are being relocated by your employer

Definitely a great time to consider all the new "smart" appliances out there. What do y'all think of them? Are they actually "smart"?

Cha-Ching Check: Cash Beyond Your Down Payment