#first-time home buyer

[soovyclub]

6 Tips on How to Get a Mortgage as a First-Time Buyer A guide on how to get a mortgage as a first-time home buyer with tips to improve your chance of getting approved if you’re self-employed or employed. https://www.soovy.club/blog/tips-how-to-get-a-mortgage-first-time-home-buyer

[duanebuziakmortgagemaestro]

Website: https://duanebuziakmortgagemaestro.com/

Address: 4860 Cox Rd, Glen Allen, VA 23060

Phone: +1 804-212-8663

Trust the Mortgage Maestro to Make Your Dream Home a Reality.

Welcome to Coast2Coast Mortgage! I m Duane Buziak Mortgage Maestro, a state licensed home loan expert dedicated to making sure your home financing experience is top-notch.

Switched to brokering some years ago as I have long believed the best advice comes from someone independent, not tied, captive, or bound. I have a multitude of loan options, some might even say the most in the state. In addition, as I always start all loan applications with a soft touch, this will NOT affect your credit!

Business Email: duane@coast2coastml.com

Tiktok: https://www.tiktok.com/@duanebuziak1

Twitter: https://twitter.com/duanebuziak

Youtube: https://www.youtube.com/user/duanebuziak

Facebook: https://www.facebook.com/duanebuziaktheoneandonly

Instagram: https://www.instagram.com/duanebuziakmortgagemaestro/

Linkedin: https://linkedin.com/in/duanebuziak

Pinterest: https://pinterest.com/duanebuziak/

Zillow: https://www.zillow.com/lender-profile/duanembuziak/

Lendingtree: https://reviews.lendingtree.com/duane-buziak/1110647

[jennifergmb]

Helping you achieve the American dream with over 20 years of experience, David Stephens, Realtor- Coldwell Banker-Schiavone & Associates, excels in providing comprehensive real estate services. As a trusted real estate agent in Trenton NJ, he specializes in helping clients buy residential property near you, navigate commercial real estate transactions, and act as a knowledgeable property seller agent. Additionally, David assists clients in finding the best rental properties to suit their needs. His dedication and personalized approach ensure a seamless real estate experience. Choose a Realtors in Trenton NJ who is committed to your success.

[realproperty101]

10 Home Buying Tips

Home buying tips for your home search. You need to understand the broad purpose of these. The concept is sound, but there are millions of homes that are sold yearly. With only around 130,000 agents in the US. We see these issues and we want you to avoid them. The 10 Tips for buying a home Here’s some more detail on the above tips for first-time home buyers: Determine your budget: Before you…

[lemonbombsfjl]

Only twelve states have average rents below $1000 monthly, and they are the areas with the lowest population density. Affordable housing needs to exist where people live, and it goes hand in hand with a living wage and better quality of housing.

Any of these sites will help you register to vote, or check your registration.

Iwillvote.com

Vote.org

Vote.give

RockTheVote.org

usvotefoundation.org

Vote411.org

ballotpedia.org/Where_do_I_register_to_vote

voteamerica.org/register-to-vote/

More election information: LWV.org

YOUR VOTE COUNTS.

Your vote matters.

[kedreeva]

How did you get into keeping peafowl? They're one of those animals that I'd love to keep but have unfortunately made peace with the fact I probably won't have time and space to care for them in the future.

I loved them, and I was an asshole about it.

I lived with my mom in the suburbs, and purchased hatching eggs from eBay (don't do that), and a styrofoam incubator (don't do that), and hatched them in my closet (definitely don't do that) and brooded them in my bedroom (don't do that). A friend of my mom had recently got a farm, and agreed to keep them in a pen at her place until I bought a house, at which point I went out, got a stable full time job, started putting away money for a down payment, and seeing a real estate agent to look at hobby farms. About a year later, I found one that fit my criteria (house I didn't have to repair too much stuff in, acreage, barn), got a mortgage, and started building pens with my family.

This is, I feel I should not have to say, NOT the way to go about getting into peafowl. But I did turn my life around for them, so I can't complain about the end result.

That being said... I wouldn't give up entirely if I were you, if they are what you want in life, but I would just bear in mind that the road to them may be harder than you want to endure depending on your starting point. If you can acquire a dwelling space where they're allowed (it doesn't need to be "livestock" area, since some places consider poultry to be different than livestock, and peafowl fall under poultry), and you're willing to build them a pen, their care isn't particularly intense or anything. The space to keep them is the major hurdle.

[bitchesgetriches]

Hi, I'm staring down the idea of owning my own house. Do you have any advice about purchasing a house/townhouse/condo whatever? It will be my first owned property and mortgage. I've never taken out a major loan before.

Congrats, kitten! This is an exciting step.

I highly recommend this episode of our podcast, which is specifically geared towards the resources you need when getting ready to buy your first home:

Season 2, Episode 2: “I'm Not Ready to Buy a House---But How Do I *Get Ready* to Get Ready?” 

Did we just help you out? Tip us!

[perksofbeingbisexual]

Sooooooo life update?

I'm getting married to the love of my life after being together for almost 2 years. We definitely didn't do the stereotypical uhaul method but we also didn't go too slowly either lol.

Also we are currently living in and learning all about our new house?! We have a beautiful old home, over 120 years old, that we are turning into our own little oasis in the middle of town. Also discovering all the wonderful "landlord specials" the previous owner blessed us with repairing.

I'd like to use this space to mostly talk about the different home repairs/decorating that we're going to be doing/two queer women living together in a successful relationship if that's anything anyone here wants to see. It's crazy to think how far I've come from where I started with this little blog and how much I've gone through, and I'm not quite ready to give it up just yet 😊

[bri-does-art]

i know this probably won’t do much, let alone anything at all, but i’m sorry for the stress this site has caused you and so many other creators here. i’m not asking for you to stick around on here, but i hope you know just how meaningful you and your art have been on here. you’re amazing. /pos

Hey, this ask has done a lot more than you would think. Thank you, you are very sweet. <3

I've kind of made up my mind about what I'm gonna do for a while now, but I've simply been... too busy and overwhelmed to take the time to let you guys know. I'm not going to delete my tumblr, there's just. Too much here that I don't want to lose.

So far the game plan is: keep my tumblr. But do not upload anymore art or writing on it - not because it's gonna get scraped, because it was already getting scraped anyway, AI company deal or not. It's pretty much unavoidable at this point, unfortunately. I simply do not trust Tumblr with my data, if they're going to sell EVERYTHING, including private messages and such, so I'm not going to give it anything worthwhile to profit off of. Instead, I'm going to start uploading my art exclusively on Ao3, for now. I'll answer any asks I receive here on there too, as well. I'll figure some kind of system out. 🤔

The cool thing about uploading to Ao3 is that anyone subscribed to my profile or to the containment series I will make will get a notification anytime I upload something new. Having my art and writing in one place is likely going to be more convenient for you guys too, since you won't have to move across platforms to get the full experience. 😄It'll be different... but a platform getting too greedy for its own good won't stop me from finding ways to share my stories with y'all. I'll just find another solution.

(I've also been entertaining the idea of joining or making my own Discord server but. That one is a little more delicate. The idea of joining a server that has hundreds of members like a lot of this fandom's servers have, just. Makes me break into hives, lmao. (I am in the Ghost in the Machine fic server. I muted it an hour into joining, it was way too intense for me. |'D) That is way too many people, I simply cannot handle it. I'd be way more comfortable in a smaller group with a less rapid-fire rate of posting and conversation. I am also. Very picky about which servers I join, which makes asking for recommendations doubly awkward when I shoot them all down, haha... And making my own... Err, I can hardly keep up with a server I helped create for another fandom and mod for, I don't think I could handle two of them - I would need other people to handle the moderation for me, and I wouldn't trust just anyone to be a mod. I'd need to know them well enough to know I could trust them, and I... do not really know anyone in this fandom well enough to do that, sadly. I take server moderation very seriously, as someone who has had experience modding for forums back before social media was a thing. I do not know if that would make for a fun experience for everyone, and anyone who hasn't known that kind of supervised experience. It is comforting to me. It may be intimidating for others. So that's still a very hand-wavy, 'eehhhh' kind of thing still.)

All of this to say, that this isn't the last you'll see from me, far from it. I'll restrict my creative output to Ao3 for the foreseeable future, and I'll let you guys on here know when I make a new upload, so those of you who do not have an Ao3 account know when something new has happened.

So there you have it. 😊

[oxfordelise]

You guys, I just bought a house!!!!!

[fundmaster]

Refinancing vs. Staying Put: What's Best for NZ Homeowners?

For New Zealand homeowners, deciding whether to refinance or stick with their current mortgage depends on several factors. Refinancing Mortgages can offer benefits such as lower interest rates, reduced monthly payments, or access to home equity for renovations. With fluctuating interest rates, 2024 may present opportunities for homeowners to lock in better deals, especially if current rates have decreased since their initial loan.

However, staying put can also be advantageous, particularly if breaking the existing loan incurs high penalties. Some homeowners may value stability over potential savings, especially if they have a fixed-rate mortgage and are close to the end of their term.

Ultimately, the choice comes down to personal financial goals. Refinancing may be a smart move if the long-term savings outweigh the costs, but for others, maintaining their current mortgage could provide peace of mind. Consulting a mortgage advisor can help weigh the options effectively.

[goodadvicemortage]

Unlocking Financial Freedom: A Comprehensive Guide To Reverse Mortgages

Introduction

Understanding Reverse Mortgages

A reverse mortgage is a financial instrument designed to help seniors tap into the equity they’ve built in their homes over the years. Unlike traditional mortgages, where homeowners make monthly payments to the lender, a reverse mortgage works the opposite way. Instead of paying the lender, the lender pays the homeowner.

There are three main types of reverse mortgages: Home Equity Conversion Mortgages (HECMs), proprietary reverse mortgages, and single-purpose reverse mortgages. HECMs, insured by the Federal Housing Administration (FHA), are the most common and offer various payment options, including a lump sum, monthly payments, or a line of credit.

Benefits Of Reverse Mortgages

Supplemental Income: One of the primary advantages of reverse mortgages is converting home equity into cash, providing seniors with a reliable income stream. This can be crucial for those facing financial challenges in retirement.

Stay in Your Home: Seniors can continue to live in their homes without worrying about mortgage payments. As long as they maintain the property, pay property taxes, and homeowners insurance, they can reside in their homes for as long as they wish.

Flexible Payment Options: Reverse mortgages offer flexibility in how homeowners receive their funds. Whether through a lump sum, monthly payments, or a line of credit, individuals can choose the option that best fits their financial needs.

The Mistakes People Make Getting A Reverse Mortgage

While reverse mortgages can be a valuable financial tool, there are common mistakes that individuals often make when considering this option.

Not Fully Understanding the Terms: Some homeowners rush into reverse mortgages without fully grasping the terms and conditions. It’s crucial to carefully review the details, including interest rates, fees, and repayment options, to make an informed decision.

Underestimating Costs: Homeowners may overlook the costs of a reverse mortgage, such as closing costs and servicing fees. These expenses can impact the overall financial benefits of the loan.

Ignoring the Impact on Heirs: Reverse mortgages can affect the inheritance left for heirs. It’s essential to consider the implications on the estate and communicate openly with family members about the decision.

How To Find The Best Reverse Mortgage Broker

Choosing the right mortgage broker is critical in ensuring a positive experience with this financial product. Here are key factors to consider when selecting a reverse mortgage broker:

Experience and Reputation: Look for a broker with extensive experience in the reverse mortgage industry. Research their reputation by reading client testimonials and reviews. A broker with a proven track record is more likely to provide reliable guidance.

Certifications and Licensing: Ensure the broker is licensed and certified to offer reverse mortgage services in your state. This guarantees that they adhere to industry regulations and ethical standards.

Transparent Communication: A trustworthy broker should communicate openly about all aspects of the reverse mortgage process. They should explain the terms, costs, and potential risks to help clients make well-informed decisions.

Personalized Guidance: Each individual’s financial situation is unique. An excellent reverse mortgage broker takes the time to understand the client’s needs and tailors their guidance accordingly. They should offer personalized solutions that align with the client’s goals.

Competitive Rates: Compare interest rates and fees from different brokers to ensure you’re getting a competitive deal. While cost shouldn’t be the sole factor in your decision, it’s essential to understand the financial implications of the loan.

Why Choose James Smythe As Your Trusted Partner

In reverse mortgages, James Smythe stands out as a trusted and reliable partner for seniors seeking financial solutions. Here’s why choosing James Smythe can make a significant difference:

Expertise and Experience: With over two decades of experience in the financial industry, James Smythe brings a wealth of knowledge. His expertise in reverse mortgages ensures clients receive top-notch guidance throughout the process.

Client-Centric Approach: James Smythe prioritizes the well-being of his clients. His client-centric approach involves understanding each individual’s unique circumstances and crafting tailored solutions that meet their needs and goals.

Transparent and Honest Communication: Transparency is a cornerstone of James Smythe’s service. He believes in open and honest communication, ensuring clients clearly understand reverse mortgages’ terms, costs, and potential outcomes.

Proven Track Record: James Smythe’s track record speaks for itself. Numerous satisfied clients attest to his professionalism, reliability, and commitment to helping seniors achieve financial freedom through reverse mortgages.

Continued Support: James Smythe remains a dedicated client partner beyond securing a reverse mortgage. He provides ongoing support, addressing any concerns or questions that may arise throughout the life of the loan.

Choosing The Right Mortgage Broker — James Smythe Experts Mortgage Broker

Selecting the right mortgage broker is crucial in navigating the world of private mortgages. James Smythe, an esteemed expert mortgage broker, has gained recognition for his expertise in private mortgage solutions. Here are vital considerations when choosing a mortgage broker and why James Smythe stands out:

Expertise: A proficient mortgage broker should have in-depth knowledge of the private mortgage market, regulations, and trends. James Smythe’s extensive experience and continuous education in the industry make him a reliable choice for those seeking expert advice.

Network of Lenders: A well-connected mortgage broker like James Smythe has established relationships with a wide array of private lenders, increasing the chances of finding the most suitable financing solution for the borrower.

Communication Skills: Effective communication is crucial in navigating the complexities of private mortgages. James Smythe’s reputation for clear and transparent communication ensures that clients are well-informed.

Tailored Solutions: Every borrower has unique financial circumstances and goals. A skilled mortgage broker understands the importance of crafting personalized solutions. James Smythe’s ability to tailor his approach to individual needs sets him apart in the industry.

Conclusion:-

Reverse mortgages have become a valuable financial tool for seniors looking to unlock the equity in their homes and secure a reliable income stream in retirement. Understanding the benefits, avoiding common mistakes, and choosing the right reverse mortgage broker are crucial steps in maximizing the advantages of this financial product. James Smythe’s commitment to expertise, transparent communication, and client-centric service positions him as a trusted partner for seniors embarking on their reverse mortgage journey. By making informed decisions and partnering with reputable professionals, individuals can confidently navigate the world of reverse mortgages and enjoy the financial freedom they deserve in their golden years.

[realproperty101]

How to Secure the Best Price for Your Dream Home

Negotiating the price of a home is a crucial skill for any homebuyer. Whether you’re a first-time buyer or a seasoned homeowner, the art of negotiation can significantly impact the cost of your dream home. In this comprehensive guide, we’ll explore expert strategies on how to negotiate the best price for a home, empowering you to secure a deal that aligns with your budget and expectations. 1.…

[mighty-morphin-theatre-nerd]

First bathroom selfie in the new house/of the new year, besties!!

[hotchocolateandpillowforts]

The slow move has started. Because we had to give 60 days notice to our apartment management we will close on the house 33 days before we have to be out of our apartment. The plan right now is to pack things we won't need for a while and move them after we close. We'll probably be in the new place at the end of October and living there full time. The things we want to sell, donate, or take to the dump will stay at the apartment until we have the time to deal with them.

The goal right now is to pack at least one box every day off we have. We'll probably do more than that but we really don't want to stress ourselves out about moving since we have so much time.

[onefail-at-atime]

Everyone,

It's time to WAKE UP and start asking those in your community how they're going to work to stop build-to-rent communities from becoming a mainstream housing option. This isn’t just an American housing issue either. It's become a problem in Canada, the UK, Ireland, and even Australia. Home developers are no longer looking to invest in building for sale home communities. No, corporations are investigating in housing properties to build with the intent to rent. Forever.

These developments aren't new homes for sale. They're not even rent to own communities. No, they're brand new houses/condos that are being built for the sole purpose of helping corporations make a profit now that commercial real estate has become such an unpredictable market.

Americans are already familiar with the apartment living build-to-rent model that has consumed so much of the housing market that it's just natural. For my European friends, they're shocked to hear just how many apartment buildings are built for the sole purpose of being a permanent rental building. Month to month rent that has already increased nearly 50% in just 5 years.

Don't sit on this issue. Don't buy into the grand scheme that economists put out there that this will help the housing crisis because it won't. All it will do is cripple a consumer's buying power more than it already has been since the pandemic.

Housing 👏 is 👏 not👏 for👏 corporate 👏 gain.