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Best Time of the Year to Buy a Home

Whether you have been saving up for your first home or you are ready to upgrade to a bigger place, you may be wondering if there is a “best” time to buy a home. While it depends on your priorities and your local market, there are some general home buying trends that could help you make your decision. Spring & Summer These are typically the hot home buying and selling months. That means there will be more listings to choose from as a buyer. However, that also means there will probably be lots of other buyers looking at those listings and the competition could heat up. You ...

March 20th, 2019 | First-time Homebuyers, Purchasing a Home, Best Time of the Year to Buy a Home

Exact rates and why you need them

Exact interest rates are something most consumers have no idea about. Exact interest rates are one of those things that no one ever pays attention to, but they do exist and are rarely in your favor. So what are exact interest rates? Lenders (be it mortgage lenders, credit card companies, car loans, or others) have calculated interest rates in 1/8 percentage increase or decrease. They calculate rates in increments or decreases of 0.125% (1/8%). In the real world, Wall Street calculates down the one-thousandth of a percentage. Actual rates might look like 4.334%, check the ...

October 24th, 2018 Exact rates and why you need them

We Pay Closing Costs on FHA

Discover how you can save thousands when purchasing your home. By using our FHA loan program when purchasing your home, we (Accurate Mortgage Group) will pay for your closing costs. What does AMG pay for? We (Accurate Mortgage Group) will pay or refund at closing the following closing costs: Lender Fees Appraisal Fee (Up to $550.00 reimbursed at closing) Credit Report Fee (reimbursed at closing) Title Company Fees Recording Fees We will cover most or all the closing costs you will find on your Loan Estimate from sections A through E except for optional services like a ...

September 12th, 2018 We Pay Closing Costs on FHA

Learn how to beat no closing costs lenders at their own game

The old way of doing business is about to disappear and if you don’t change you will go the way of the dodo. Some large lenders are now offering no closing costs loans by paying all of the buyers closing costs if they use their real estate company to buy a home. Companies like Zillow are getting into the real estate brokerage business and Amazon wants to do mortgages (check out this article on Bankrate.com), the future is here and now. The days of 6% commission are gone! While this is great news for consumers, it’s bad news for Realtors. But there is a ...

June 27th, 2018 Learn how to beat no closing costs lenders at their own game

Avoid Junk Lender Fees

Learn the little secret that most lenders do not want you to know about: Junk lender Fees. These fees are hidden in your loan and to the homebuyer seem like must pay fees, but in reality, they are not. If you ask the right questions from the get-go, you can learn to avoid these fees. Ask your lender if they have fees A very simple question, but in all my years as a Loan Officer, rarely asked by anyone. Homebuyers ask all sorts of questions about the home they are buying to the Realtor, but never ask the lender what they charge. These fees will increase your closing costs...

June 27th, 2018 Avoid Junk Lender Fees

FHA 2018 Loan Limits Increased

FHA loan limits are higher for 2018 This is great news if you are a first time home buyer and want to take advantage of FHA’s lower downpayment requirements and less strict credit score guidelines when compared to a conventional loan. HUD has updated information on the loan limits   These new loan limits have taken effect for all FHA case numbers assigned on or after Jan. 1, 2018. This means that your loan had to be submitted to a lender after January 1st. FHA is required by the National Housing Act, as amended by the Housing and Economic Recovery Act of 2008...

January 2nd, 2018 FHA 2018 Loan Limits Increased

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