Cathy Womack's (cathywomack) Blog

 10 Things a Lender Needs From You  1.      W-2 forms or business tax return forms if you're self-employed for the last two or three years for every person signing the loan.2.      Copies of one or more months of pay stubs from every person signing the loan.3.      Copies of two to four months of...

Tips for Hiring a Remodeling Contractor 1       Get at least three written estimates.2.      Get references and call to check on the work. If possible, go by and visit earlier jobs.3.      Check with the local Chamber of Commerce or Better Business Bureau for complaints.4.      Be sure that the c...

10 Tips for First-Time Homebuyers  Be picky, but don't be unrealistic. There is no perfect home. Do your homework before you start looking. Decide specifically what features you want in a home and which are most important to you. Get your finances in order. Review your credit report and be sure y...

          7 Reasons to Own Your Own Home Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay, and some of the costs involved in buying your home. Gains. Between 1998 and 2002, national home prices increased at an average of 5.4 percent annua...

The real estate industry has seen alot of changes in the past few years.  The main idea seems to be for consumers to only pay for what they need help with in the sale of their real estate.  I see the problem as lack of knowledge by the consumer to understand how the industry works so they are awa...