Pat Cray

Did You Know?: 4 Ways That a Real Estate Attorney Can Make Your Home Purchase Easier

May 26, 2016 by · Leave a Comment

It is common for home buyers to take steps to keep their out-of-pocket expenses to a minimum, and many will try to avoid paying for optional services for this reason. After learning more about the services provided to you by a real estate attorney, you may be ready to seek out these professional legal services for your upcoming purchase.

Avoiding Home Buyer Remorse: 5 Tips for a Happier Homeowner

May 10, 2016 by · Leave a Comment

The rush of excitement that comes with finding the home you’ve been looking for is ideal, but just because it seems like the perfect place, it doesn’t mean there aren’t other factors to consider. Instead of getting hit with buyer’s remorse, here are some tips so that your home purchase doesn’t become something you’ll regret.

5 Documents First-time Home-buyers Need for a Smoother Purchasing Process

April 27, 2016 by · Leave a Comment

With all the work that goes into finding the kind of home you’ll want to put an offer on, it can be easy to forget about all the little things that happen after the deal has been made. While the paperwork involved in purchasing may seem like a long way off, here’s a quick review of some of the documents you’ll need when the time comes to seal the deal.

Investor Thoughts: What Home-buyers Can Learn from a Real Estate Investor’s Stand-point

April 21, 2016 by · Leave a Comment

There are plenty of things to consider when purchasing a home, from the size of place that you’re looking for to the amount of home you’re able to afford. While it’s certainly worth knowing what you want going in, here are a few factors that investors often think about when it comes to making or breaking the appeal of a real estate purchase.

How the Truth in Lending Act Protects You When You Take Out a Mortgage

March 24, 2016 by · Leave a Comment

If you’re planning to get a mortgage, it’s critical that you know your rights under the law. The Truth in Lending Act (TILA) is a piece of federal legislation that governs how mortgage lenders can and cannot operate their businesses.

So how does the Truth in Lending Act protect you, and what are your rights under this legislation? Here’s what you need to know.

3 Tips and Tricks to Make Mortgage Pre-Qualification Easy

March 15, 2016 by · Leave a Comment

If you’re planning to buy a home, you should know that the mortgage pre-qualification process is the first in a series of steps that eventually lead to home ownership. A pre-qualification is different from a pre-approval – the pre-qualification meeting is simply you and your lender hashing out how much you can afford to spend on a property. But once you’ve been pre-qualified, it makes the mortgage process easier.

So how can you make the pre-qualification quick and painless so you can get on with your house hunt? Here’s what you need to know.

Ready to Move in to Your New Home? Not So Fast! Take Care of These 3 Items Before the Big Move

March 11, 2016 by · Leave a Comment

With the excitement involved in moving into a new home and all of the things that need to be done, it can be easy to forget a few important things before you load up the moving van. If the day of departure is drawing closer and you’re mulling over the final details, here are some items you may want to check off the list first.

Worried about Your FICO Score? 4 Easy Strategies to Fix It Up

March 10, 2016 by · Leave a Comment

If you’re worried about your bad credit, you’ll want to do everything in your power to improve your rating as quickly as possible – especially if you have a major purchase coming up. Improving your credit rating can give you access to better interest rates on mortgages or even help you to get that job you’re after.

So how can you boost your FICO score quickly and easily? Here’s what you need to know.

It Isn’t Always a Clear Road after Pre-approval: 4 Reasons Why Your Mortgage May Be Denied

March 9, 2016 by · Leave a Comment

So you’ve been pre-approved for a mortgage – great! You’ve taken the first step toward becoming a homeowner. But before you start picking out china patterns, you’ll want to keep in mind that a pre-approval isn’t the same thing as a mortgage agreement. There’s still no guarantee that you’ll actually get a mortgage.

But why would a lender deny a mortgage after pre-approving a borrower? Here’s what you need to know.

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