by kramoltz@hotmail.com | May 24, 2017 | Home Buying, Mortgages + Lending
The monthly amount necessary to acquire/own a home should be no more than around 28-30% of gross income. Include in this payment the monthly anticipated loan principle and interest, homeowners insurance, real estate taxes and association fees. To calculate that amount...
by kramoltz@hotmail.com | May 15, 2017 | Arizona and Its Amenities, Home Buying
RealtyTrac’s 2016 U.S. Natural Disaster Housing Risk Report rates counties for risks of natural hazards, such as hurricanes, wildfires, tornados, earthquakes, or floods. The 3 states whose counties had the highest risk index (high and very high) were California...
by kramoltz@hotmail.com | May 1, 2017 | Home Buying, Selling Your Home, Title Insurance + Escrow
First in the analysis of documents used in residential transactions are junk documents. The documents that fit in this category are non-negotiable or provide minimal or no useful information. Most are directed at borrowers, and are acknowledge that disclosures...
by kramoltz@hotmail.com | Apr 21, 2017 | Home Buying
Our latest listing is a masterpiece of contemporary architecture, modern design and luxury. This completely remodeled one-of-a-kind, solid block home is just under 4,200 sq. ft. and has 4 bedrooms, 31/2 baths. The opened floor plan features a top-of-the-line gourmet...
by kramoltz@hotmail.com | Apr 11, 2017 | Home Buying
There are a number of documents provided to buyer/borrowers and sellers in a residential transaction in Arizona that are received before, at, and after closing. They come from various parties involved in the sale. To determine which ones should you pay attention to...
by kramoltz@hotmail.com | Mar 7, 2017 | Home Buying, Home Ownership, Mortgages + Lending
Fannie Mae announced HomeStyle Energy mortgage program last year, to help borrowers finance energy and water upgrades to make their home more energy efficient when buying or refinancing a home. The loan makes buyer-owners eligible to receive up to 15% of the...
