FHA loans are available for one to four family unit properties with one unit being owner-occupied. The minimum down payment for an FHA loan is 3.5%. FHA has a minimum credit score of 500 to 579 but it requires a 10% down payment.  Not all lenders are willing to make loans to borrowers with lower […]

Your home is meant to be your haven, a safe and healthy place for you and your family. So, you might be surprised to learn that research from the Environmental Protection Agency shows that indoor air quality can be 2 to 5 times more toxic than outdoor air. There are many contributing factors to poor […]

The Internet has empowered all buyers with information and home buyers are no exception.    The amount of information available to public includes details on size, condition, sales history, current inventory, recent sales, photographs, videos, school info, drive-times, entertainment and much more. When a seller realizes that buyers are educated with facts, it becomes unlikely that […]

In a recent rental investment class, one of the students said that he had a property where the tenant had been there for over 25 years.  The class was amazed but not as much as his next statement “My tenant actually paid for the home for me.” Each payment on an amortized loan pays the […]

Insurance is required on a home by the mortgage company, but homeowners rely on it for peace of mind also.  Unfortunately, people may not take the time to investigate their policy and what it covers until they need to file a claim, which could be too late. While it may not seem like the best […]