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12 Oct

The steps to get to the mortgage credit

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Home Decor, Lawn and Garden, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Room Inspiration, Tools, Storage, Organization, and Hardwarecredit reports, credit score, fico score, fico scores, general rule, mortgage loan, percentage rate, rival lenders, slightly higher

Finding and securing a mortgage to finance your new home can seem overwhelming, especially if you're a novice buyer. But it doesn't have to be that way. If you use this list (and reviewing the recommended articles below) you will be able to unfold the processing of the mortgage loan for the house in simpler and easier tasks and you will be able to complete each requirement at the indicated time. This summary will help you prepare the required documentation and information. You'll know what to expect in terms of loan rates and other fees and you'll be better equipped…

12 Aug

Government Real Estate Loan Programs for First Homebuyers

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Real Estatecredit history, fha loan, income ratio, loan program, loan programs, mortgage loan, real estate, traditional mortgage, transfer costs

First-time homebuyers face several challenges when looking for a new home. They may not have an established credit history or may not have enough money to make the down payment that would qualify them for a traditional mortgage loan or the debt-to-income ratio may be too high to qualify for a traditional mortgage loan. What many early homebuyers don't know is that there are alternatives to traditional mortgage loans. Government grants and loan programs and even some financing options have helped millions of avid buyers become first-time homeowners. Here's a look at some of the biggest programs and how you can take advantage…

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…

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…

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…

20 Dec

2021 Massachusetts Closing Cost Guide

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Home Decor, Lawn and Garden, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Room Inspirationclosing cost, closing costs, closing day, credit report, loan origination, mortgage application, mortgage loan, origination fees, title insurance

Massachusetts comes steeped in American history and packed with New England charm, so it's easy to see why people want to buy a home here. Are you a home buyer about to close your deal in the Bay State? While you may have gotten a competitive interest rate for a mortgage and saved for the down payment, there's another major hurdle you'll need to overcome: paying closing costs. Closing costs encompass all administrative and legal services you will need to pay for before you receive the keys to your new home. You pay these costs in a lump sum on…

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…

12 Nov

Maryland Closing Cost Guide 2021

Catharine BwanaBathrooms, Bedrooms, Building & Contractor, Buy and Rent Property, Dining Room, Home Decor, Kitchens, Lawn and Garden, Living Room, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Room Inspirationbuying process, closing cost, closing costs, hoa fees, mortgage loan, private mortgage, property taxes, title insurance, transfer tax

With its charming suburbs and small towns, natural forests and sandy beaches, and proximity to D.C., Philadelphia, and New York City, it's hard to beat life in Maryland. But moving to the Free State comes at a high cost, so make sure you have cash saved not only for the down payment but also for closing costs. Closing costs are an out-of-pocket expense that you will pay for the day you close your new home. These costs consist of the fees charged to homebuyers during the home buying process, from applying for a mortgage to appraisal and inspecting the property. Various taxes and insurance…

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…

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…

11 Mar

Kansas Closing Cost Guide 2021

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 Ceilingclosing cost, closing costs, loan origination, mortgage insurance, mortgage loan, origination fees, real estate, title insurance, title search

You've earned a competitive interest rate on a mortgage, saved for the down payment, and are ready to call Kansas home. But there's one more expense to consider: closing costs. Closing costs encompass all administrative and legal services you will need to pay for before you receive the keys to your new home. For convenience, you pay these costs in a lump sum on closing day and typically amount to 2 percent to 5 percent of the home's purchase price. Closing costs are paid along with your down payment. If you're buying a new home in Kansas, NewHomes here has put together…

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…