ARCHIVED BLOG POSTS
2018
Some real estate agents believe that they must give out three different names when referring a mortgage lender. This is not true. Here's why: No RESPA Violation There was an old rule in the Real Estate Settlement Procedures Act (RESPA) that allowed real estate agents to earn a separate fee ...
07/30/2018
How can I increase my rate of return? The cornerstone of any smart investment strategy is to calculate your rate of return. With real estate this is done by running the numbers using an internal rate of return (IRR) formula that takes into account: Present Value (PV) - what am I paying out ...
07/23/2018
Beware! Not all Loan Estimates are created equal. Here are three things you should know about Loan Estimates, where all the closing costs are itemized. #1 - The Rate quoted to you on Page 1 is not locked... unless the "Yes" box is checked! Mortgage rates are determined by mortgage bond prices ...
07/16/2018
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Many homeowners don’t realize the impact of today’s seller’s market in housing. Housing supply is running at 2-3 months in many parts of the country… especially in neighborhoods and areas with affordable price points. This means that it may be a great time to consider selling your house. Here ...
07/09/2018
Most retirement plans created over the past 30 years have assumed that government bond yields during retirement would be a lot higher than they are right now. As illustrated in the chart, the yield on the 10-yr US Treasury fluctuated between 4% and 8% during most of the 1990s, and between 2% and...
07/02/2018