Helen Moreno

A borrower's monthly recurring could be a limiting factor that could affect the house payment they can afford.

The investment in a home is simple to understand and can be enjoyed in ways stocks cannot.

Missed payments must be repaid; they are not forgiven.

Having equity in your home can provide options and opportunities

If you more concerned with your overall wealth, it may be better to keep the mortgage and reinvest the discretionary income to earn a higher yield than your mortgage rate.

If the down payment is keeping you from being able to buy a home, it is worth investigating your assets and those of relatives willing to make a gift to help.

Set a recurring appointment on your calendar to remind you to do this each month.

Most mortgages allow for this and require a gift letter stating the gift does not have to be repaid.

A successful sale of your home has to do with maximizing the sales price while minimizing the sales expenses and the time on the market.

Competing in a low inventory market, pre-approval is a great pro-active negotiation strategy.

Your lender may allow borrowers to make a lump-sum payment to cover the deficiency.

Your attorney can help you with these very important items.

Talk to your tax professional about the "90-day exception".

These suggestions can save time and money to make the home appeal to the broadest base of purchasers.

We can help you explore possibilities for the changing demands of your home.

Doing this along with pre-approval are the best "first steps" in finding a home.

Latex caulk makes cleaning up easier along with the wet sponge.