mortgage – find swimming pool builders tx

21 Jun

Buy a home. Where to start?

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Real Estateestate market, home, house, loan, mortgage, mortgage loan, property, real estate

One of the most important decisions in a person's life is the acquisition of a home ownership. When that moment comes, innumerable doubts arise as a result of not knowing the functioning of the real estate market. Where do I start? What is the first step I should take? This post will give you the answer to these and other questions. Steps to buy a home Identify your needs There are many questions you should ask yourself before you start searching: Will I live alone or as a couple? Do I prefer a house in the city center or on…

01 Jun

Sell to buy What happens to the mortgage on your home?

Catharine BwanaApparel, Assembly, Bath, Bathrooms, Bedrooms, Blind shade services, Building & Contractor, Buy and Rent Property, Carports and Garages, Cleaning Disinfectants, Concrete, Cement and Masonry, Dining Room, Door Window Treatment, Electrical and Electronics, Farm and Ranch Supplies, Furniture and Home Appliances, Gardening Tools, Gates and Fences, General Handyman, Heat Air Conditioning, Home Appliance Repair, Home Decor, Hydroponic Gardening, Insect and Animal Control, Insulation, Junk Removal Trash Recycling, Kitchen and Food Beverage, Kitchens, Ladders, Landscaping, Laundry Care, Lawn and Garden, Lighting, Living Room, Locksmith, Lumber and Trim, Painting Wall Paper Art, Pest Control & Inspections, Pet Supplies, Plant, Plumbing, Pond Supplies, Pool, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Roofs and Gutters, Room Inspiration, Security, Smart Home, Storage Moving Service, Tarps, Tile, Tools, Storage, Organization, and Hardware, Tree service and removal, Walls, Floors and Ceilingbank, bridge mortgage, cancellation costs, debt, loan, mortgage, mortgage debt, outstanding debt, outstanding mortgage

You can sell a mortgaged home to buy a new one. There are several options but you will need to follow a series of steps to do so. The reason is that you can not sign a contract of sale if the property is not free of charges. In this article we explain what you can do and what are your alternatives to get a new home. How can I sell my home if I still have an unpaid mortgage? If the sale price is higher than the mortgage that is pending. In this case, a part of the purchase…

31 May

Why does a mortgage counselor help you save?

Catharine BwanaReal Estateadvisor, banks, conditions, economic conditions, mortgage, mortgage advisor, suits

Looking for the ideal mortgage is hard work that doesn't always go well. If we want to be sure of finding the best loan for the purchase of our house, the best step we can take is to hire the services of a mortgage advisor. Their experience in the sector, their training and their knowledge of the banking offer are decisive when it comes to finding the product that best suits our circumstances. With it we save time and a lot of headaches, but also money since it can get the best conditions for us. What is a mortgage advisor? We are talking…

24 May

Most relevant documentation in the management of a mortgage

Catharine BwanaReal Estatebank, document includes, european standardised, income tax, information sheet, mortgage, mortgage loan, social security, tax return

The management of a mortgage involves the delivery of a series of documents with which the bank will obtain information about your financial situation and your ability to meet the payment of the installments. But remember that the bank is also obliged to provide the client with data on the conditions of the loan it offers. In this article we indicate which are the most relevant documents that are presented during the management of mortgages. Information that the bank must submit before signing With the Mortgage Law approved in 2019, the bank must deliver to the client a series of…

27 Apr

Find out if your mortgage deducts you in this year’s Income Tax return

Catharine BwanaReal Estateapplied, basque country, deduct, deduction, euros, habitual residence, mortgage, mortgage loan

On June 30, the deadline for submitting the Income Tax returns corresponding to this year's campaign ends. Mortgages are deductible, but not for everyone. There are a series of conditions and limits that must be met so that the deduction for investment in habitual residence can be applied. We tell you what they are. When do you deduct the mortgage? It only deducts for taxpayers who bought the property and formalized the mortgage loan before January 1, 2013. The reason is that this deduction was abolished for all those who became buyers from that date. In addition, other requirements must…

21 Feb

Is it possible to change the holder of a mortgage?

Catharine BwanaReal Estatebank, change, entity, loan, mortgage, mortgage loan

There are many couples who, at the time, decided to buy a house halfway. That is, the bank granted them a mortgage loan being two the holders of it. But what happens if that couple breaks up? Is it possible to change the holder of a mortgage? Yes, it is possible. But there are a number of conditions. Is the bank obliged to change the ownership of a mortgage? Law 2/1994, of March 30, says that one of the reasons that allow the modification of mortgage loans is the change in ownership of them. But for this you must have the approval of the…

24 Jan

How to get the best fixed mortgage in 2022

Catharine BwanaReal Estatefixed, fixed mortgage, fixed rate, mortgage, mortgage products, rate, rate mortgages, repayment term, years

In the last year the mortgage market experienced a remarkable growth and everything seems to indicate that, in the coming months, the trend will continue to be upward. One of the main reasons is the good prices of mortgages, especially fixed-rate mortgages. Major banks are offering mortgage products with very attractive conditions for home buyers. According to the latest data published by the INE, in October 2021 the number of mortgages constituted on homes was 27.9% higher than during the same period of the previous year. A revealing fact that serves as an example of the boom that the buying and selling…

23 Dec

Do you have a mortgage offer? We can improve it

Catharine BwanaReal Estateadvisor, credit profile, loan, market, market study, mortgage, mortgage advisor, mortgage loan, mortgage offer

New technologies have brought with them the possibility of obtaining real-time information on practically everything we need. The financial sector has been one of the first to digitize. It is possible that if you are looking for a mortgage for the purchase of your new home, you have made use of different platforms and digital tools that help you in your purchase process. Information is power as long as you know how to manage it in your favor. You can not forget that the financial world is full of terms and concepts that can be very confusing for someone who is not…

20 Dec

The most important factors when changing mortgages

Catharine BwanaReal Estateconditions, loan, mortgage, mortgage loan, mortgage subrogation, rate, rate mortgage, repayment term, subrogation

Improving your mortgage is possible. There are different ways to achieve this, one of them is mortgage subrogation that is nothing more than changing your bank loan to get better conditions. Would you like to reduce quota, interest rate or repayment term? We tell you how to do it. Subrogation: What would you like to change about your mortgage? Subrogation is changing the mortgage loan of your financial institution to another that offers you better conditions that involve savings. Subrogating a mortgage does not mean taking out a new mortgage loan with new conditions. Surrogacy involves maintaining the same funding but…

16 Dec

The keys to getting financing if you change housing

Catharine BwanaReal Estatebridge mortgage, bridge mortgages, current home, current mortgage, home change, mortgage, mortgage loan, mortgage operation, mortgage payments

The pandemic and specifically the confinement has highlighted the shortcomings that many homes included without being aware of them many times. By spending more time at home the defects have multiplied. That is why many families have decided to change homes during this year 2021. How to do it without first selling the one we already have? Mortgage Change of house You no longer need to wait for the ideal buyer for your current home to appear. You can move house before this happens and enjoy a better quality of life. Will I have to face two mortgage payments? This…

13 Dec

Do I have enough savings to buy a home?

Catharine BwanaReal Estatecredit profile, financial institution, financing, loan, mortgage, mortgage loan, personal loan, real estate, savings

It is possible that after the fateful year 2020 you are thinking about looking for a home to become independent, improve your quality of life or finally become the owner of your home. In any of these cases before starting the search for your ideal home it is important to make a segmentation appropriate to your personal and professional profile. This will take you directly to visit properties that fit your characteristics with the consequent gain of time. Is it necessary to have savings to get mortgage financing? What is the amount of equity that banks require to start talking?…

30 Nov

When is the best time to renegotiate your mortgage?

Catharine BwanaReal Estatebank, change, loan, mortgage, mortgage loan, novation

Each person's personal and financial circumstances are not always stable. When you sign a mortgage loan for 20 or 30 years you do it knowing what your income is at that moment, the type of job you have and the savings you have. However, external or personal factors can change your economic situation. It is precisely at that moment when you must start the process to renegotiate your mortgage. Why am I interested in renegotiating my mortgage? To improve the conditions of your mortgage credit. Through novation we have the possibility to renegotiate these conditions with the bank in order to make…

24 Nov

The 8 most relevant mortgage terms

Catharine BwanaReal Estatebank, capital, early repayment, mortgage, operation, time

If every time you do a financial search online or talk to an advisor from your bank everything you hear sounds like Chinese, do not worry. As we always tell you, the financial sector is full of complex terms unknown to most that can further complicate your search for financing, and unless you work in the profession, confusion can be important. Today we want to clarify the eight most relevant terms that you should know before going to any bank or signing a mortgage operation. Let's go! Main Capital The capital is the amount of money that the bank is going to…

25 Oct

Expenses associated with the mortgage. Who pays what?

Catharine BwanaReal Estatedocumented legal, expenses, legal acts, mortgage, mortgage law, mortgage liability, property registry, public deed, supreme court

he registration in the Property Registry, the appraisal of the property, the agency, the Tax on Documented Legal Acts ... A mortgage brings with it a series of expenses that must be assumed by the owner of the same or by the bank that grants it. In this article we tell you what they are and the jurisprudence that the Supreme Court has established in several judgments related to the payments that borrowers were obliged to make before the new mortgage law came into force in June 2019. Who paid what before June 2019 Before the entry into force of the mortgage law…

28 Sep

What should I look for to know if they offer me a good mortgage?

Catharine BwanaReal Estatebank, credit, economic profile, maximum percentage, mortgage, percentage, rate, rate mortgages, variable rate

Buying a home is a very important step for anyone. It may be easy for us to give it but everything gets complicated when we apply for financing. Will the mortgage they offer me be the most suitable for me? In Creditoh! we give you some keys to know if the credit they offer you is the one that best suits your circumstances. From interest rates to commissions: the most important keys to your mortgage Finding an interesting offer in the Spanish mortgage market is not an easy task, especially if you do not first go to the services of a real…

25 Aug

What are the expenses when a mortgage is constituted?

Catharine BwanaReal Estateappraisal, documented legal, expenses, land registry, legal acts, mortgage, mortgage loan, payment, property

The constitution of a mortgage involves the payment of a series of expenses that go beyond the payment of the monthly payment. Until the approval of Law 5/2019 regulating real estate credit contracts, most of these were assumed by the buyer. With the new regulations, the situation has changed significantly. In this post we explain who pays what when a mortgage loan is signed. Expenses involved in signing a mortgage Notary. Payment of the notary's fees for attesting to the formalization of the mortgage operation. Appraisal. Expenses derived from the process by which the value of a property is certified. The appraisal…

26 Jul

Mixed mortgages: advantages and disadvantages

Catharine BwanaReal Estateearly, early repayment, fixed, fixed rate, mixed, mixed mortgage, mixed mortgages, mortgage, variable

When the need arises to apply for a real estate loan, the first thing that is thought of is the interest rate that will benefit us the most: fixed or variable. But what about mixed mortgages? It is a modality in which the two previous types are combined and, according to financial experts, are more advisable for customers with the ability to make an early amortization. In this article we tell you what this type of mortgage consists of, as well as some of its advantages and disadvantages. What is a mixed mortgage? It is a mortgage loan that combines…

20 Jul

Green mortgages. Pay less for a sustainable home

Catharine BwanaReal Estateconventional mortgages, energy, energy efficiency, energy rating, green, green mortgage, green mortgages, mortgage, mortgages

Although the supply of green mortgages is still much lower than in the case of other mortgage loans, it seems that the demand grows every day. The concern for energy efficiency and the environment occupies more and more space when making the decision to buy a home. According to the I Study of green finance in Spain, carried out by ASUFIN (Association of Financial Users), "25% of the population considers it important that the investment carried out is sustainable". The report also highlights that, sometimes, the economic conditions imposed by banks for this type of mortgage are worse than in the case…

24 May

Apply for a mortgage alone or as a couple. What’s right for me?

Catharine BwanaReal Estatecase, couple, loan, mortgage, property

Is it preferable to apply for a mortgage as a couple or is it better for me to do it alone? The answer to this question depends on many conditions: the legal situation of the cohabitants (married or common-law partner), economic regime in the case of marriages, employment situation ... Each situation has its advantages and disadvantages. We tell you what they are. Apply for a mortgage as a couple If you are thinking of applying for a mortgage with your partner you should know that your candidacy has added some points for the bank. Financial institutions consider that the…

11 May

All the keys about the Reverse Mortgage

Catharine BwanaReal Estateadditional income, annuity insurance, deferred annuity, income, life, mortgage, obtain additional, reverse, reverse mortgage

There are many financial alternatives so that the elderly can increase their income when the time comes for retirement. Although it is not yet a widespread product in Spain, the reverse mortgage has become a solution with many benefits for those who decide to apply for it. Alternatives to obtain additional income with housing The need to increase income is the main reason to apply for a reverse mortgage. As explained by the Bank of Spain in its guide to access this product, there are four types of operations to obtain additional income with housing. The main difference between them is the transmission…

08 Apr

3 Tips to apply for your mortgage and be told yes

Catharine BwanaReal Estatehome, mortgage, mortgage loan, offers, rate, term

Many have been the Spaniards who after the end of confinement have reactivated the plans they had to acquire a home. On the other hand, staying at home longer than usual has highlighted the shortcomings of many properties that were not prepared to house all family members for so long. The effects have been manifold. Home renovations, sale of the current property, change of residence or acquisition of a property. For all of them in most cases financing is necessary. How to apply for a mortgage loan and be told yes at first? . Focus on these three factors. 1- Current mortgage offer…

30 Mar

5 Keys to buying your first home without errors

Catharine BwanaReal Estatehome, ideal home, mortgage, numerous occasions, offer, people, property

With the purchase of the first home it is common to make mistakes that we are not aware of. Think that in a rental property you have the freedom to change if something is not as you expected, but when it comes to acquisition, the modification is not so easy. In today's article we are going to offer you relevant tips to keep in mind when buying your first home. Prevention is the best weapon. 4 Questions You Should Ask Yourself Before even starting the search for your ideal home you should ask yourself the following questions: Do I have a…

03 Mar

8 details of the Reverse Mortgage

Catharine BwanaReal Estateentity grants, financial product, house, mortgage, product, property, reverse, reverse mortgage

The reverse mortgage is a mortgage loan whose fundamental objective is the monetization of a real estate that completes the pension once retirement arrives. It is a very useful financial product that has been very well received in the United States and Great Britain but here in Spain is beginning its takeoff. What does it consist of? Is it worth it? Who is it for? We tell you all the peculiarities of this mortgage in this post. Reverse mortgage: is it for me? The reverse mortgage is designed for people with a certain profile. Over 65 years old, retired and with…

25 Feb

Tell me your salary and I’ll tell you what your ideal mortgage is

Catharine BwanaReal Estateaccount, borrowing capacity, home, income, mortgage, payment, personal situation

Before making a decision as important as the purchase of a new home it is important to make calculations to know what our real position is and what type of home / mortgage we can access. This seems obvious is fundamental because if we do not do it we can fall short giving up better homes that are among our favorites. To know this important fact you must focus on your borrowing capacity, without a doubt, the key factor in which banks will be fixed. What is my mortgage funding limit? As we discussed in the previous paragraph, the maximum amount that…

18 Feb

6 Requirements for a mortgage without entry

Catharine BwanaReal Estatebanks, credit profile, entry, financing, mortgage, real estate, savings

A mortgage without entry is one that we request from the bank and covers 100% of the purchase and sale amount of the house. Prior to the bursting of the real estate bubble in 2008, theywere known as 100% Mortgages, since in addition to the amount of financing they also covered the expenses associated with that mortgage. After this crisis and due to the large number of non-performing loans, banks stopped marketing them. Is it possible today to get a mortgage without an entry? What is a mortgage without entry? As we explained at the beginning of this article, a…

12 Feb

Mortgage expenses 2021 What do I have to pay?

Catharine BwanaReal Estatedocumented legal, expenses, legal acts, mortgage, mortgage law, mortgage liability, mortgage loan, notary, public deed

If you are thinking of acquiring a new home this 2021 this information interests you and is that after the new mortgage law imposed in June 2019, the assumption of mortgage expenses has changed considerably. We tell you who pays what and who assumes what. I'm going to apply for a mortgage, what are your expenses? The first thing you have to know before applying for a mortgage loan is that in addition to facing the fee every month, there are a series of expenses associated with the operation that you will have to assume. Some of these expenses must be…

30 Dec

3 Keys to understanding your mortgage amortization chart

Catharine BwanaReal Estateamortization, amortization table, depreciation method, financial terms, loan, main advantage, method, mortgage, mortgage amortization

When we are going to apply for a mortgage there are a series of concepts and financial terms that we are going to find that we may not be used to. However, it is important that we understand the meaning of some of them and know how to interpret them throughout the life of the loan. This is the case of the mortgage amortization table. This document provides us with very valuable information to understand the trajectory of our debt. Its interpretation can be complex, so in this article we want to clarify all doubts. What elements are we going…

10 Dec

3 Requirements to get a Mortgage 100

Catharine BwanaReal Estatebank, economic stability, employed workers, financial institutions, income, job stability, mortgage, mortgages, stability

The mortgage 100 still exists today and although not all profiles can access it, there are common requirements for financial institutions to get it. Quality mortgage advice will place you closer to your concession. Do you want to know if you are a good candidate for Mortgage 100? Mortgage Requirements 100 Let's start at the beginning by analyzing the requirements in which financial institutions will be set to know if you are a good candidate. 1- Job Stability Job stability is essential to be able to access mortgage 100, in employed workers the bank as a whole considers that a buyer is stable when…