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5 Home Buying Essentials


Purchasing a home involves certain important, even essential, steps that every buyer should take before closing on a purchase. Let's examine these "essentials" which, if properly implemented, can help you save valuable time and aggravation.

1. Determine What You Can Borrow. Sure, if you know your interest rate and the length of the loan you can pretty much determine your monthly payments, right? No! You must include your property taxes, homeowners insurance, and association or maintenance fees, if applicable. These "added" costs can significantly contribute to higher monthly payments. No lender will give you a loan without figuring these costs in.

2. Know Your Fees. Closing costs can add up to the tune of several thousand dollars. Title searches, realtor fees, loan applications, attorney fees, and legal fees must be taken into consideration. Many states require lenders to give to borrowers a ballpark figure of what these costs will be.

3. Shop For A Loan. The longer you plan on staying in your home, the more likely you will want a fixed rate mortgage. If you are planning on a short stay, a variable rate mortgage may work best for you. Consider an interest free mortgage if you basically plan on "flipping" the home in one or two years. Of course, you had better hope that your home appreciates significantly in that time otherwise you may find yourself owing more than what you originally paid for the house!

4. Get Pre Approved. Realtors and sellers will take you seriously if you are pre-approved for a loan. In some cases the pre-approval will not only swing a deal your way, but you could find the sellers are more receptive to lowering their price if they believe you are a serious shopper.

5. Negotiate. You may not be able to get the seller to drop the price of their home, but you may be able to get them to sweeten the deal by including certain extras. Air conditioners, refrigerators, washers, dryers, ceiling fixtures, and window treatments are some of the things that add value to your purchase. If extra items are included in the sale, then your later pay out for these items will disappear.

In all, if you are a thoughtful and savvy shopper you should be able to save money on the purchase of your home by following these five essentials.

Matthew Keegan is The Article Writer who covers topics from business to health to mortgages. You can view samples of his work at http://www.thearticlewriter.com


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Thu. June / 20 / 2019

Refinance rates drop off for Wednesday  Bankrate.com

Several closely watched refinance rates fell today. See what that means for your chances of getting a better mortgage rate.


If You Ever Want To Retire, Here's The Best Way To Refinance Your Mortgage  Forbes

The usual reasons to refinance are to reduce the monthly payment or to raise cash. The third option, which is under-appreciated, is to shorten the period of ...


Your money: Buying or refinancing? The mortgage rate frenzy is back  Reuters

Mortgage rates are nearing historic lows again in the United States, making it an ideal time to buy a home - or refinance.


As rates drop, mortgage refinancing surges but home purchase loans remain tepid  USA TODAY

Homeowners scramble to refinance mortgages as rates hit the lowest level in 17 months. But mortgage applications for home purchase rose just 0.5%.


Weekly mortgage applications fall as rates rise, volume remains much higher than last year  CNBC

Mortgage applications were down 3.4% from the previous week, but still up 31.6% from a year earlier, according to the Mortgage Bankers Association.


Interest rates are down, so is it time to refinance?  Washington Post

Interest rates for mortgages are low __ really low. As of the first week of June, long-term mortgage rates were down for the sixth consecutive week. The 30-year ...


Mortgage Rates Drop Again -- Homeowners Can Save Hundreds Per Month By Refinancing  Forbes

Mortgage rates are continuing their downward spiral. According to Freddie Mac, the average rate on a 30-year fixed-rate loan has dropped to just 3.82%—down ...


How low can mortgage rates go? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates are low as of this writing, really low, but can they go lower? Lower rates would be great for borrowers and yes, that could happen.


As mortgage rates plunge, should you refinance?  Fox Business

Nearly 6 million people can now cut their mortgage payments with refinancing.


Mortgage rates are falling—here's how to tell if you could save money by refinancing  CNBC

As mortgage interest rates drop, homeowners could save hundreds per month by refinancing. However, it's not a smart financial decision for everyone.


Mortgage refinancing jumps as rates tumble but loans for home purchases drop again  USA TODAY

Mortgage rates fell for the fourth straight week leading to a surge in refinancing. But mortgage applications for home purchases fell.


Applications for mortgages, refinancing spike amid low interest rates  Fox Business

Amid the lowest mortgage rates in almost two years, overall mortgage applications swelled last week by nearly 27 percent according to data released ...


Refinance rates decline for Thursday  Bankrate.com

Several key refinance rates sunk lower today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both trended down. The average rate on ...


Mortgage applications soar as refinances surge on a big rate drop  CNBC

Mortgage applications surged 26.8% in just one week. Volume was 41% higher than the same week one year ago.


Mortgage rates fall as the Fed hints at future rate cuts | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The Federal Open Market Committee (FOMC) meeting ended Wednesday with a no-hike decision, but that didn't dissuade markets from believing a July rate cut ...


Nearly 6 million people can now cut their mortgage payments with refinancing  The Gazette

The average interest for 30-year fixed-rate mortgages is nearing 4 percent again, ushering the way for millions more homeowners to save money by refinancing.


Refinance mortgage rate advances for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. If you're shopping for a home loan, see what that means for you.


As mortgage rates plunge, millions more homeowners can benefit from refinancing  CNBC

There are now about 5.9 million borrowers who could see their rates drop by at least 75 basis points by refinancing their mortgages.


Does refinancing your mortgage make sense as interest rates fall and why these couples say they’ll never move in together  MarketWatch

Happy Thursday, MarketWatchers! Don't miss these top stories: Personal Finance. The filthy mistake you're likely making in the kitchen — and its simple $14 ...


Mortgage rates today, June 17, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates on Friday held steady, as we predicted. Last week had its ups and downs but ended with those rates almost exactly where they had ...


Mortgage rates decrease for Thursday  Bankrate.com

Multiple benchmark mortgage rates trended down today. See how that could affect your home loan payments.


Refinance rates tick lower for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both trended down.


Falling Mortgage Rates Spur Application Frenzy  The Wall Street Journal

Consumers are taking advantage of an unexpected decline in interest rates to buy homes and refinance their mortgages.


No Closing Cost Mortgage Loans  NerdWallet

A no closing cost mortgage reduces out of pocket payments at loan signing but can cost you thousands of dollars if this is your forever home.


Mortgage rates today, June 18, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose just a little yesterday, roughly in line with our prediction. Your rate may well have held but, if so, your closing costs may have edged ...


Mortgage rates extend decline, sinking to 16-month lows  The Washington Post

After five weeks of declines, mortgage rates are at their lowest levels in 16 months. According to the latest data released Thursday by Freddie Mac, the 30-year ...


Airbnb adds another mortgage refinancing partner  Inman.com

Guild Mortgage has become the latest home loan provider to treat short-term rental revenue from Airbnb as income for homeowners applying to refinance their ...


When Mortgage Refinancing Makes Sense  Seeking Alpha

There are many misconceptions about what happens with refinancing a mortgage and the effect on interest payments. The important factors are rate, time and ...


Refinance mortgage rate moves higher for Friday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Refinance rates drop off for Thursday  Bankrate.com

Multiple closely watched refinance rates ticked downward today. See what that means for you if you're in the market for a mortgage.


Mortgage rates lower for Tuesday  Bankrate.com

Several benchmark mortgage rates declined today. If you're shopping for a mortgage, see what that means for you.


Nearly 6 Million People Can Now Cut Their Mortgage Payments With Refinancing |  RisMedia.com

With interest on the low side, there is a potential to refinance and save.


Refinance rates retreat for Monday  Bankrate.com

Several closely watched refinance rates fell today. If you're in the market for a home loan, see how your payments might be affected.


Mortgage refinance candidates swelled by 2 million in May  National Mortgage News

The most borrowers in three years currently qualify for refinancing as the average for the 30-year fixed-rate mortgage dropped below 4% for the first time in over ...


Fixed mortgage rates continue their slide, falling for the fourth week in a row  The Washington Post

Fixed mortgage rates didn't go down much, but they did go down for the fourth week in a row. According to the latest data released Thursday by Freddie Mac, the ...


Despite rising home prices, experts pop bubble fears  Bankrate.com

Homebuyers sitting on the sidelines, waiting for housing prices to backslide, might be waiting longer than expected, according to experts. Although the high price ...


Should you get a personal loan instead of a HELOC or cash-out refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

So you want to borrow some money and you're not sure about the right type of loan. Should you get a personal loan, home equity loan, or opt for a cash-out ...


Mortgage Investors' Refinance Concerns Rise With Rate Rally  Bloomberg

Mortgage prepayment speeds may rise with the strong U.S. rate rally, and that may be cause for alarm for mortgage investors.


Refinance rates tick lower for Thursday  Bankrate.com

Several closely watched refinance rates sunk lower today. If you're in the market for a home loan, see what that means for you.


Freddie Mac is now offering renovation loans  Washington Post

Freddie Mac is joining the renovation loan space. While the Federal Housing Administration and Fannie Mae have had programs that allow borrowers to wrap ...


Mortgage Closing Rate Rises to Highest Level in at Least 16 Months  Mortgageorb

Despite falling mortgage rates, the refinance share of total mortgage volume fell to 32% of all loans in May, down from 35% in April and down from 38% in May ...


Freddie Mac Announces CHOICERenovation; The Latest Solution for Financing Home Improvements  GlobeNewswire

New offering is another component of Freddie Mac's All For Home initiative to reimagine the mortgage experience for both lenders and borrowers.


TRANSACTIONS: Meridian places $10.6m mortgage on mixed-use property in Bronx  Real Estate Weekly

Arbor Realty Trust, Inc. funded a $1.3 million Freddie Mac SBL deal in Fort Lauderdale, FL. Topanga Canyon Apartments, a 12-unit multifamily property, ...


Mortgage refinance booms are a thing of the past: MBA chief economist  National Mortgage News

The era of plentiful refinance volume is over for the foreseeable future, because mortgage rates remained in a very narrow band for the past decade, said ...


Here's What To Do When The Payments On Your HELOC Go Up  Forbes

Home equity lines of credit - also known as HELOCs - are favored by many homeowners because they give you the flexibility to borrow money when you need it.


Mortgage rates today, June 14, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates yesterday dipped a little further, as we predicted. It wasn't a big drop but it was enough to take us yet closer to the ultra-low level we saw ...


Low Mortgage Rates and Cash Back Refinance  105.3 The Fan

Segment 1. Low Mortgage Rates Segment 2. Cash Back Refinance Segment 3. Questions and Answers from Listeners Segment 4. The Lightning Round: ...


Mortgage rates move down for Wednesday  Bankrate.com

Multiple closely watched mortgage rates receded today. If you're in the market for a mortgage, see how your payments might be affected.


Millennial refinances see jump amidst dropping mortgage rates | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

It seems Millennial homeowners are taking advantage of lower mortgage rates. According to new data, Millennial refinances have officially hit their highest point ...


U.S. mortgage rates hold steady, remain low  Dayton Business Journal

The 30-year fixed mortgage averaged 3.82 percent for the week ending June 13, unchanged from the previous week.


Key mortgage rate climbs for Monday  Bankrate.com

Mortgage rates diverged today, but one key rate was higher. The average for a 30-year fixed-rate mortgage trended upward, but the average rate on a 15-year ...


Preparing for the refi rush  Mortgage Professional America

As originators seize refi opportunities, ramifications spread to other parts of the market.


Mortgage Refinancings Poised to Speed Up, Challenging Traders  Bloomberg

Mortgage-backed security investors will have to deal with higher prepayment speeds by the end of summer as the rate rally filters through to borrowers.


Kenya launches mortgage refinance firm to offer loans to lenders - Xinhua | English.news.cn  Xinhua

NAIROBI, May 22 (Xinhua) -- Kenyan President Uhuru Kenyatta on Wednesday launched the Kenya Mortgage Refinance Company (KMRC), a financial ...


Guild Mortgage Introduces New Refinancing Option in Partnership with Airbnb  Business Wire

Guild Mortgage's new initiative allows Airbnb hosts to refinance their primary residence and apply rental income toward qualification requirements.


Fintech algorithms discriminate 40% less than traditional lenders  Quartz

Algorithmic fintech lending is less discriminatory against minorities than traditional loan officers, according to a recent study of US mortgages. The findings signal ...


Trade tensions to keep rates down, spark mortgage growth: Fannie Mae  National Mortgage News

With mortgage rates expected to continue their recent slides over the next 18 months, in tandem with slowed economic growth, loan originations should see a ...


Here's What To Do If You Get Behind On Your Mortgage  Forbes

Whether it's a job loss, unexpected medical bills, or something else, financial hardships can happen to anyone. If you've hit hard times and fallen behind on your ...


How to use a personal loan for debt consolidation | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Debt consolidation can help millions of Americans who are burdened with high monthly payments on cards and loans. Explore how personal loans can help ...


HSBC launches digital mortgage platform  Scotsman Guide News

HSBC Bank USA is entering the online mortgage space, teaming up with digital platform Roostify to launch a new “digital home lending experience.”


Treasury Yields May Take Another Step Down Thanks to Mortgages  Yahoo Finance

(Bloomberg) -- The mortgage market was supposed to be quiet this year, but suddenly it's moving the biggest bond markets. When Treasury yields started falling ...


Should I Pay Off Student Loans or Save for a House?  The Motley Fool

In an ideal world, student debt wouldn't stop you from buying a home. In reality, things might work differently.


Airbn-Bling: How Renting Out Your Property Can Help You Get a Mortgage  Realtor.com News

Short-term rental sites such as Airbnb have changed the game for homeowners. Renting out your entire home—or part of it—is an attractive way to make extra ...


HSBC Bank USA Launches New Digital Mortgage Solution with Roostify  Yahoo Finance

HSBC Bank USA, N.A., (HSBC), part of the HSBC Group, one of the world's largest banking and financial services organizations, today announced that it has ...


Mortgages for Seniors: Everything You Need to Know  U.S News & World Report Money

If you're retired and applying for a home loan, you're more likely to submit information about your pension and your 401(K) than a W-2.


Cuyahoga County to Sell, Refinance Bonds for Rocket Mortgage FieldHouse Repairs  Arena Digest

By refinancing previous bonds and issuing new bonds, Cuyahoga County will cover repairs at Cleveland's Rocket Mortgage FieldHouse.


Can Commercial Real Estate Loan Rates Help Your Business Save?  Nav

Some commercial real estate loan rates are as low as 3.9%, but it depends on the type of loan you're getting, the term of the loan, and other factors.


Benchmark mortgage rate increases for Wednesday  Bankrate.com

Mortgage rates moved in different directions today, but one key rate rose. The average for a 30-year fixed-rate mortgage saw an increase, but the average rate ...


'Now Is The Time To Refinance': Low Mortgage Rates Cause Surge In Refinancing  Forbes

Last week's massive dip in mortgage rates apparently pushed homeowners into action. According to new data from the Mortgage Bankers Association, ...


Top 12 reasons more people are using personal loans | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Personal loans are popular for many reasons. But the fact you can use the money for any purpose is one of them. So what are the top 12 reasons people are ...


House committee passes bill to make FHA loans less expensive  HousingWire

The House Financial Services Committee passed a bill Wednesday that would limit mortgage insurance payments on loans backed by the Federal Housing ...


Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand.


Refinance mortgage rate ticks higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate notched higher. See what that means for you if you're in the market for a home loan.


Home equity rises again — except in these two states | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

House price growth may be slowing down, but American homeowners still have something to celebrate. According to new data, they've gained more than $485 ...


Fed Holds Steady on Rates  National Mortgage Professional Magazine

The Federal Reserve has opted to keep its foot on the proverbial brake and maintain the current federal funds rate at 2.25 percent to 2.5 percent.


PMS and Sesame launch product transfer hub  Mortgage Introducer

PMS Mortgage Club and Sesame Network, part of Sesame Bankhall Group, have launched a product transfer hub to support advisers with a range of tools and ...


Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


Here Are Best And Worst Reasons To Refinance Your Mortgage  Bankrate.com

Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Inflation Remains Low – Market Update  Zing! Blog by Quicken Loans

Prices aren't rising as fast as the Federal Reserve might like, but mortgage rates remain low. That and more coming up in Market Update!


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


Mortgage rates are low. Here's how to figure out if you should refinance  NBC News

Low mortgage rates have many people thinking about buying a new home or refinancing their current mortgage.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Need Some Funds For Your Summer Plans? Maybe a House Refinance Would Help!  Cornwall Seaway News

When the sun and heat finally arrive, planning for some summer activities begins in earnest. But, what if the cost of your plans exceeds your current cash flow.


Refinance mortgage rate slides for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're in the market for a mortgage, see what that means for you.


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate climbed. If you're in the market for a mortgage, see how your payments might be affected.


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


Refinance mortgage rates mixed for Thursday  Bankrate.com

Multiple benchmark refinance rates were flat today. If you're in the market for a mortgage, see how your payments might be affected.


Refinance mortgage rate moves higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. See what that means for you if you're in the market for a mortgage.


Leaving a String Quartet or Tenant-in-Common Real Estate Investment  JD Supra

The Cleveland Quartet, founded in 1968, was among the top string quartets in the world until it disbanded in 1995. Originally in residence at Cleveland Institute ...


Refinance mortgage rate drops for Friday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a refi, see how your future mortgage payments could be affected.


Refinance mortgage rate drops for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a refi, see how that could affect you.


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate sunk lower. See what that means for your chances of scoring a killer refi rate.


Can You Use a Mortgage Refinance to Pay Down Debt?  The Motley Fool

Find out if you can use a mortgage refinance loan to pay down debt -- and if it's a good idea to do so.


Mortgage refinance applications hit 18-year low  CNBC

Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ...


Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ...


Homeowners should turn themselves into real estate investors | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you've ever been tempted by real estate investing, now might be the perfect time to turn your dream into reality. Because the factors that can lead to success ...


Did you refinance your home mortgage last year? You can still qualify for often-overlooked deductions  MarketWatch

f you refinanced your home mortgage last year, you may be in line for some often-overlooked tax deductions on your yet-to-be-filed 2018 Form 1040.


Refinance rates decline for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. See what that means for your refi.


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