Posted On Wednesday, 15 December 2021 00:00 Written by
Posted On Tuesday, 14 December 2021 00:00 Written by
“The Only Bad Time to Buy Property is LATER” simplimihomes.com You have searched for several weeks, looking for the right house to make your new home.  You finally walk through the door of the perfect house, but other people are making competitive offers to buy this same house.    How much do you offer to pay without paying too much? 
Here are five points to consider: 1. Set up your budget and stick to it.   Review your bank statements and credit card statements.  How much is your income?  What expenditures can you eliminate or replace with something less expensive?  What debts can you restructure to help your cash flow? After considering all of this, determine the maximum house payment you can comfortably afford.  How much can you comfortably pay down at closing without disturbing your emergency fund? Make allowances in your budget for repairs and unexpected events. …
Posted On Monday, 13 December 2021 00:00 Written by
The last few days of 2021 are upon us and now we begin the final countdown to 2022. A simple checklist of tasks and items will help create a smooth transition form year to year and allow you to enjoy as much time as possible enjoying family and friends. 1. Get very clear as to your calendar. What loans are left to close, is everything complete on those files, are they scheduled to be completed, and is everyone on the same schedule? 2. When are people open and when are they closed? Never assume everyone is working the same schedule as you are, even in your own company! 3. What are your targets for events and time off? Don’t play the holidays by ear! Be aware of what you want and need to do! 4. Personally contact everyone of your unclosed pre-approvals from 2021 and find out status, update as…
Posted On Monday, 13 December 2021 00:00 Written by
Posted On Friday, 10 December 2021 00:00 Written by
Posted On Friday, 10 December 2021 00:00 Written by
Reed is a life-long Kentuckiana resident. He graduated in three years from Indiana University’s prestigious Kelley School of Business with a Bachelor of Science in Business Management and a minor in Economics. Swimming has been an integral part in Reed’s life since the age of 5. During his college years, he was a member of IU’s swim team and was part of the 2006 Big Ten Championship team, the first in 21 years. After college, he picked up coaching a summer league swim team until his real estate business grew to the point of having to stop. These experiences allowed him to develop a work ethic that is second to none. Shortly after graduating college, Reed began his career in real estate in September 2007 and is licensed in both Kentucky and Indiana. As a REALTOR®, Reed has worked with developers building shopping centers in front of WalMart Supercenters throughout…
Posted On Tuesday, 05 July 2022 00:00 Written by
Posted On Wednesday, 08 December 2021 00:00 Written by
“Believe you can, and you are halfway there.” Anonymous The top three hurdles mortgage customers must conquer are fixing credit issues, finding enough qualified income, and fast-tracking the funds needed to close the real estate transaction.  Time is a great healer when it comes to older derogatory credit accounts. An experienced mortgage loan officer can help find qualified income for a borrower, sometimes in the back pages of the tax return. A borrower who does not have enough funds to close the loan can get help from agencies and gifts from other people. 
Overcoming Credit Issues Benton and Baily were disappointed that their payment would be slightly higher since the mortgage rates had gone up before they got their offer accepted on buying a home. So the answer for Benton and Bailey was to improve their credit scores.   By paying down their credit cards to show they were…
Posted On Wednesday, 08 December 2021 00:00 Written by
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Realty Times

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