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August 2016

Found 11 blog entries for August 2016.

If you are planning on buying a home this year, one of the more proactive steps you can take is to calculate out what cash you’ll need on hand for the home buying process so that you are not faced with surprise expenses down the line. You may also need cash on hand for after you purchase a house in order to move or to furnish your new home, but outside of your down payment, what cash might you need to spend in order to purchase a home? Many of the expenses and fees charged during the home buying process can be rolled into your mortgage, but one item that you’ll want to take into consideration is what’s called the earnest money deposit.

What is an earnest money deposit?

An earnest money deposit is an amount of money given by a prospective home buyer

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Many factors impact your credit score and often the factors which can impact your credit score the most are things that may be completely outside your control. If you were laid off, have recently gone through a divorce or found yourself facing large medical expenses for an unexpected health crisis your credit score may have taken a hit, and taken a hit for something which wasn’t your “fault”. Many people who have faced economic hardships and who don’t believe that their corresponding credit scores accurately reflect their ability to repay debt on time may be unsure if they will be able to purchase a home with a score that’s less than perfect.


The good news is that there are many lenders and mortgage loan programs available for individuals with

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Home Buying Final Walkthru The home purchase transaction is moving forward. You are only a few days away from closing as there is still one more important task to complete before you sign the contract, pay for the house, and get the keys. It's time for the final walk-through.

Many weeks, or even months, could have passed from the time when you were last inside the house. A final walk-through is your last chance to look at the property before closing on the deal. This informal visual inspection can remove buyer's remorse in case you discover something serious with the house before signing the closing documents.

Here are several tips on what to do during the final walk-through and how to proceed if you do find any problems with the house.

Give Yourself Time with the

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When is the Best Time to Buy a Home in Michigan?

Best Time to Buy a Home?

Did you know that there is a time of year that is best to take advantage on low home prices? In reality, yes, homes are being sold everywhere year round. However, according to some research that has been done on this topic, it has been found that there is a time of year that is the best to get your dream home at the lowest price.

Best Month to Buy Real Estate

Believe it or not, October is the best month of the year to buy a home at the highest discount. Studies show that there is a 2.6% buyer discount on homes during the month of October. Why? There aren’t as many homes on the market this time of the year as there are in the summer months, for example. A lot of sellers decide to remove their homes from the market at

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If you are thinking about buying a home in the near future but don’t see much on the market that meets the needs and wants of your family, you might be interested in building your own home in order to ensure that you end up in a home that has everything you’re looking for. With the economy rebounding and getting stronger each month, construction loans and new build mortgages are a popular option for many families. There are a lot of misconceptions surrounding construction and new build mortgage loans though, so we’ve pulled together some facts about new build and construction loans so you can move forward with confidence if building your dream home in an option you and your family are interested in.


What is a construction or new build mortgage

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8 Michigan Home Landscaping Mistakes

8 Landscaping Mistakes

We all see professional landscapers working while we drive through our neighborhoods and by local businesses. They make the work they do look incredibly easy and, in turn, inspire us to do landscaping of our own. However, not a lot of people know that landscaping requires a lot of time and research. We have eight very common landscaping mistakes that, if you consider them, will guarantee that you are fully prepared to do this work yourself.

Not Having A Plan

The first mistake, and easily the most common, is not having a plan. There is a very good chance you will end up not being happy with the way the work turns out if you don’t. Having a plan means knowing what you’re going to buy, how much of everything you will need,

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5 Budget Bathroom Updates to Add Value to Your Home

Does Your Bathroom Need Some Work?

If you have an older bathroom and are getting tired of the same boring look day after day, you have probably thought about a renovation. The thought of renovating your bathroom can be a scary thought, though, thinking of all the time it will take and how it expensive it will be. Luckily, there are some ways to renovate that will give your bathroom some very modern looking twists that your wallet (and potential home buyers) will appreciate.

Updating Vanity Cabinets

Replacing your vanity cabinet can go a major way in providing a new look for your bathroom. There are ways to go about buying a new cabinet without breaking the bank. Visit a major retailer and ask if they have any stock models available for

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What is a graduated payment mortgage loan?

Graduated payment mortgage loans, or a GPM loan, are mortgage loans which features lower monthly payments at the front end of the loan that gradually increase for a set period of years until you reach the final payment amount which will be due for the remainder of the lifetime of the loan.

How do graduated payment mortgages work?

Graduated payment mortgages function as their name describes: for a determined period of time your monthly mortgage payment is lower and increases on a set schedule for a certain number of years until the “lower introductory rate period” expires. For example, on a 30-year loan you may have a graduated schedule on the first 5 years of the loan. Your payment will be a low initial

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Buying a Home Questions It’s the biggest decision you’ll make in your life. You know that it is what you want and you know that owning a home is a solid financial decision for most people. But is now the right time? How can you be sure you won’t find yourself struggling to make a payment in a year or wishing you waited?

The first step is to realize that investing in real estate is nearly always a good deal because it builds value in the long term. If you aren’t sure it is the right decision for yourself financially, you’ll need to determine that based on facts.

These FIVE questions can help you to get to that point:

1. Do You Have a Down Payment?

Not all mortgage loans require a down payment, but in nearly every situation it’s an important investment. When

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Buying a home is likely one of the largest, if not the largest, financial purchases you will make in your lifetime. When looking at your budget, the cash you’ll need for a down payment, closing costs, perhaps new furniture and more, you may be tempted to save money where you can. As part of the home buying process, you’ll want to have your home inspected prior to finalizing the sale. When you’ve found the home of your dreams and are eager to move your family in quickly and also to save money wherever you can you might consider skipping the inspection. Is a home inspection really important? Are they really necessary? Read more to find out!


What is contained in a home inspection?

Home inspections are a routine and important part of the home

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