An independent mortgage lender explains what you need to know. Nutshells don’t get any bigger than this one, since a house is likely the biggest single purchase of your life. In fact, the average American buys only three homes in a lifetime, so it’s not something you do every day. Throw in the recent changes…
An independent mortgage lender makes it easier when qualifying for a mortgage When you’re getting ready to buy a house, you may not know where to start. Do you scour the listings in real estate magazines? Do you recruit a Realtor to show you around? Do you drive around your target neighborhoods in search of…
Perhaps the right question to ask is what Realtors look for in professional partners. What do real estate agents want from a lender — or from any professional they work with? The answers are surprisingly simple and unexpectedly elusive. And yet, many Realtors recommend Prime Mortgage Lending of West Asheville. Saying Realtors’ jobs can be…
Zen Master of Mortgages You may think “Zen” and “mortgage” are two ideas that don’t go together. After all, Zen is about peace, tranquility and simplicity — breaking down the complex into its bare essentials. Meanwhile, mortgages are, well, complex, difficult and time-consuming. How can you even put them into the same sentence? It starts…
Can you afford three percent down? In Asheville, NC, and in the Bay Area of Northern California, rents can be exorbitant. Many people don’t think they can afford a house, so they continue to make those high rental payments, putting money in someone else’s pocket. But if you can afford to put just three percent…
Want to save money and time? Shop for your mortgage! Habits die hard. Perceptions die even harder. If you have it in your head that only banks (and maybe credit unions) issue mortgages, then you’re painting yourself into a corner that may end up costing you precious time and money. These days, you have a…
California Real Estate ~ Golden State homebuyers, sellers and lenders should take advantage of deals as they arise. The good news is that, after the worse drop since 1938, the U.S. economy has been growing steadily since 2010. Job growth has been stable as well, although it did stall this past September. Even with the…
Do you need mortgage down payments? Not always. Too many people believe they need to save a large pile of money to even think about buying a house. They believe that having a down payment separates the homebuyer wannabes from the endless renters. These same people probably have never tried to buy a house. It’s…
First-time homebuyers often learn the hard way to evaluate the neighborhood as well as the price. Your first home is perhaps the biggest investment you’ll ever make. And while your independent mortgage lender — like Prime Mortgage Lending of West Asheville — ensures that you get the best loan possible as a first-time homebuyer, he…
You don’t need a lawyer to buy a house, but he’s on your side at your NC real estate closing. Homebuyers often complain about having to pay for a lawyer in addition to all the other fees and costs they encounter at their closing. After all, your Realtor is a licensed professional. You hire other…