FHA Streamline Refinancing -
Is your current home loan interest rate too high? Do you feel the market is right to refinance? Refinancing to lower your interest rate should lower your monthly mortgage payment. By refinancing your home loan you will be creating a new mortgage, but it will pay off your present one. If your […]

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How can I find out what my credit rating is?
There are several ways to do this. You can purchase a credit report from one of the three national credit reporting agencies: Equifax, Experian and TransUnion. They also offer extra services for a price, where you can get regular reports on your credit.
Better yet, you may […]

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FHA Streamline Refinancing -
Is your current home loan interest rate too high? Do you feel the market is right to refinance? Refinancing to lower your interest rate should lower your monthly mortgage payment. By refinancing your home loan you will be creating a new mortgage, but it will pay off your present one. If your […]

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I didn’t know I had documentation/ disclosure choices? Many potential home buyers, or home owners do not realize that they have a choice of disclosure to the lender. They will have many options on their home loans. Most lenders will generally steer clients into the best rate option in order to save the client money […]

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A
Adjustable Rate Mortgage: A loan that adjusts on a regular schedule based on a national economic index and the lender’s margin. Also called “variable rate mortgage.”
Amortization: The process of paying off a loan with regular payments over a fixed time period.
Amortization Schedule: A timetable/ schedule for payments of the mortgage term showing the amount […]

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How do I dispute incorrect creditor information reported to the credit bureaus?
On-line- You may pull your credit reports on-line. You may obtain one free copy of all three credit reports on-line per year. There are also a host of sites that offer pay services to obtain, monitor, and perform on-line disputes. Some of the websites […]

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You may have seen many TV commercials on “Combo” or “consolidation” home loans. These cash out refinance mortgages wrap all or some of your monthly obligations into a new home loan saving you money every month. I have outlined several benefits to choosing a cash-out home loan. Contact your mortgage loan officer to perform a […]

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The following is a general list of exemptions available in Florida. Each taxpayer wishing to apply for an exemption should contact the county property appraisers office.
When to File-
Generally, initial application for property tax exemption must be made between January 1 and March 1 of the year for which the exemption is sought. Initial application […]

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My Plugoo buddy- Is another great widget that I was easily able to add to my site. Many of these widgets are really great if you have a site built on Google’s blogger, yahoo, etc…
This plugoo buddy widget allows you to add an instant messenger to your website allowing a visitor to communicate directly to […]

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Review home owner’s insurance policies (including flood policies)- This especially applies to people living in Florida and coastal states where insurance premiums have skyrocketed by 25-50% in the past few years due to increased property damage due to hurricanes. Review your declarations page which explains your coverage and reflects your premium (1-3 page policy […]

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