The ability to calculate ROI on a rental property is a critical skill if you want to become a successful real estate investor. ROI calculations tell you what you can expect when you add a property to your portfolio, and whether it is worth pursuing. Of course, ROI calculations alone
Owning rental property is one of the most reliable ways to build wealth. Yet nothing comes without problems. If you want to build wealth with rental property, you’ll be taking on a whole host of new responsibilities. So it’s important to understand what you’re jumping into before making any decisions
Purchasing investment properties is one of the world’s most reliable ways to grow wealth. Yet many people assume investment properties are out of their reach. If you’re someone who thinks only rich people get to invest, here’s great news. There are many options for investors, and many are available to
Three days after you apply for a mortgage you will receive a 3-page document called the Mortgage Loan Estimate. The law requires residential lenders to provide you with this standardized document so you can make an informed decision about whether the proposed home loan is right for you. You should
When you take out a mortgage in the United States, you can do so knowing you enjoy many protections under the law. One of those protections comes from the 1974 Real Estate Settlement Procedures Act, or RESPA. RESPA requires mortgage lenders to disclose all loan costs. It also prohibits kickbacks,
When you obtain a mortgage, you want to know you’re doing business with a fair, integrity-first company who will meet all the terms of your agreement. You don’t want to discover a “gotcha” in the fine print which might cost thousands of dollars. Choosing the right mortgage lender helps. But
The Dodd-Frank Act was the government’s answer to the 2008 mortgage crisis. It was meant to shut down risky lending practices and established several new authorities and bureaus to oversee the stability of the market. Some important parts of the Dodd-Frank Act that mortgage borrowers should know about include: Critics
In 1968, Lyndon B. Johnson passed the Fair Housing Act. This was the landmark law that made it illegal to discriminate in housing transactions. The law was expanded again in 1975 and again in 1988 to become the law that it is today. The Act prohibits any mortgage lending agent,
Exploring a refinance because you want to lower your monthly mortgage payment? A rate-and-term refinance is one of the most reliable methods for meeting this important financial goal. During the rate-and-term refinancing process, you’ll pay off your old mortgage by taking out a new mortgage, one with a lower interest
A cash out refinance allows you to take advantage of your home equity by receiving a lump sum payment when you close on the new loan. You’ll create a new mortgage for an amount larger than the amount currently owed, and then you get paid the difference. Cash-out refinances can
You should give at least as much thought and care to choosing a refinancing lender as you did to choosing your first mortgage lender. You’ll be with that lender for a long time still, and you want to know that you’re enjoying the best rates and terms that you can.
30 years is a long time to be in debt (as is 20 years if you opted for a 20-year loan term), and let’s face it. Your home loan is likely to be the biggest debt you’re dealing with right now. So while refinancing to a shorter-term loan might increase
You’ve selected a home you love. You’ve put in the offer. Now, your lender wants you to get an appraisal done. What is the role of the appraisal, and how will it impact your home purchase? Here’s everything you need to know. What is the primary purpose of an appraisal?
Refinancing your mortgage may be intimidating, but it can often place you into a better financial position. The trick is to know how and when to apply for a refinance. In general, there are five situations where a refinance might be a good idea. When your interest rate is higher
Life happens—even when you’re trying to buy a new home. The long lead-up time between making an offer on a home and closing on a home offers a lot of room for life to start happening, and for things to go wrong. Sometimes, it’s 100% necessary to back out of
You’ve decided to take the exciting step of buying a home. It’s a fantastic achievement, but navigating the world of mortgages can feel overwhelming. There are so many mortgage options, and finding the right fit for your financial situation is crucial. That’s where The Doce Group, one of the best
It happens to the best of us. Sometimes, real estate deals fall apart. In fact, the National Association of Realtors notes that at least 5% of real estate deals terminate before closing. Usually, when your home purchase falls through the problem lies with the financing. Sometimes, you can fix the
When you submit your loan application, you’re on your way to getting the financial resources you need. But before the celebration begins, there’s one crucial step remaining: loan underwriting. This might sound intimidating, but fear not! Underwriting is the process where a lender assesses your financial situation to determine your
In the world of finance, high net-worth individuals often have unique needs that require specialized mortgage solutions. Florida’s vibrant and diverse economy, combined with the state’s attractive tax policies, makes it a prime location for high-net-worth individuals seeking customized loan solutions. This blog will explore the tailored mortgage options available,
If you have obtained the services of a real estate agent, the physical process of making an offer on a house is relatively easy. You’ll tell your real estate agent to make an offer, and let them draw up the paperwork. What is a bit less straightforward is how you
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