What is an SPDS? Sellers are obligated by law to disclose to the buyer all known material facts about the property.
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Why should I get pre-qualified or pre-approved? There are two main reasons. First, you don't waste time -- yours or anyone else's -- looking at properties you are not qualified to buy. If you only qualify to buy a $100,000 home, there is no sense in shopping for a $150,000 home. A lender can let you know up front what you can afford to spend. Second, it gives you a lot of buying power when you make an offer on a home.
What is a home warranty? A home warranty is an annual service plan that provides for the repair or replacement of covered systems and appliances in the home that may break down due to normal wear and tear. It is an affordable and popular solution for home buyers to save money and reduce frustration.Generally, a pre-approval is a more thorough and official form of pre-qualification. When a lender pre-qualifies you, he/she calculates your maximum house payment based on monthly income and debt payments that you state.
How does the trial membership work? First, to protect the integrity of this site from fraud, pranks and malicious activity, we verify identity of trial members by a valid credit card and contact information. With the trial, you will have 7 days free with the same full benefits as a paid member. You can create your web page immediately after signing up. Share it with other real estate agents and trusted fans to get their feedback. If you determine your GoGetRealEstate.Your profile page will look different because we remove distractions. The sidebar disappears when your page is presented to a web site visitor. Also, we will never host those annoying flashing banners and ads on your page. Your page is all about you. To get back to My Account, select the Member Options tab at upper right. Back to TopIt’s easier than you think. If you can fill in a form, you can create your professional profile page.
What is PMI? PMI, or Private Mortgage Insurance, is an insurance from a private company that is required on conforming loans where the borrower does not have a minimum of 20% equity in the home. PMI is an insurance that you, the borrower, pay for to protect the bank in case you default on your loan.Points are a fee paid to the lender when you close your loan. 1 point is equal to 1% of your loan amount. For example, 1 point on a $100,000 loan is $1,000 ($100,000 * 1%). The first point you pay is usually referred to as an origination fee. This is the compensation that the lender receives for originating (processing) your loan. Additional points are usually referred to as discount points. They are called this because you pay them to ""discount"" your interest rate.
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