Things I’ve Learned Along The Way from The Real Estate Sage at The Real Estate Investment Institute -

Services for Real Estate Pros - The Real Estate Investment Institute - 1retiredsage
William J Archambault Jr sharing 4 decades of lending and real estate experience. Through books and services of REII. Bill writes about and teaches real estate investment, real estate, lending, borrowing, credit, and sales. Bill is available as a speaker, trainer, hands on coach, or remote consultant.



How long? How long should you finance your home for?Should you worry about amortizing (systemically paying off the principal) your mortgage?A few days ago my friend Rich Kruse commenting onHow Much Should I Put Down / Equity Is No Protection / Liquidly Is Wrote: "I'd like to hear a post about int...
If you were sitting across from me and said "I don't have a down payment," I'd have flippantly said "So What! What kind of a house do you need?" Thanks to the TV Real Estate Gurus, we all know everyone can buy with "no down payment!"What those TV pitchmen say is almost true. Many people can buy w...
I recently tried to displace the myth that real estate and mortgage professionals could determine what you can afford. See: How Much Can I Afford / A Stupid Question, for most of you what you can afford is going to be less, sometimes considerably less than you can qualify for.Now that you've dete...
You've reached that point in your life, somewhere between 18 and death, that you want a home of your own. You locate a REALTOR® or better yet a Loan Originator and make your first mistake. You ask "how much can I afford?"This is possibly the second most asked question in real estate, the first is...
Surely, the press must have ergonomic keyboards! I can't believe what I hear in the news in speech and writing! They couldn't utter it with a straight face and I'm sure they couldn't type it with a straight keyboard!To believe what we hear and read? First we'd "require the willing suspension of d...
I just read Lenn Hardly's blog: WHAT ARE THE BUZZ WORDS? TRANSPARENCY? CONSUMER'S RIGHT TO KNOW? NONSENSE! People have a major misunderstanding of what they can except purchasing a short sale. Just what sort of discount will a bank to accept?If you're hoping for a number, you can stop reading. If...
I just watched Hillary explain to David Letterman that pre-payment penalties meant that "if the home owner gets a little money ahead and wants to put it on his mortgage, the pre-payment means that for the rest of the mortgage his payment goes up." This would be funny if she wasn't "the smartest w...

William J. Archambault, Jr.

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Sage real estate and mortgage information, from the man at The Real Estate Investment Institute.