By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills, Eagle Mountain, Payson, Saratoga Springs, Spanish Fork, , Springville, Mortgage Xpress, Agent When determining your ability to qualify for a home loan, a lender looks at what is called your "debt-to-income ratio.  The debt-to-income ratio is the percentage of your gross monthly income (before taxes) that you spend on debt.  This will include your monthly housing costs, including principal, interest, taxes, insurance, and homeowner's association fees.  It will also include your monthly consumer debt, including credit cards, student loans, installment debt, etc. Buying a new car during the Home Loan Process can drastically affect the outc... 02/26/2009

By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills, Mortgage Xpress With the Housing Market taking a tumble recently, the fact that Homeownership is still one of the best investments goes unnoticed.  Income tax deductions basically allow for the Federal government to subsidize the purchase of your home.  All of the interest and property taxes you pay in a given year can be deducted from your gross income to reduce your taxable income. Property taxes are also deductible.  Whatever property taxes you pay in a given year may also be deducted from your gross income, lowering your tax obligation.  Remember to consult with a Certified Public Accountant to see how the above will affect you dire... 02/12/2009

By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills Closing on a property is a very challenging time for a would-be homeowner.  Being informed, either through your mortgage broker, Realtor, or through self knowledge is the best thing you can be when going through this procedure.  A good Realtor can help you tremendously.  They should know the local market well enough to help you save money in whatever way they can.  Since closing costs are handled differently in different areas, having a professional with experience in that area is your best bet.  They can give you a better idea of what costs are customarily paid by the buyer, and which ones are paid by the seller. The Mortgage Broker you... 02/08/2009

Awesome Equity for this Property along Utah in La Porte, TX Bedrooms: 3 Full Bathrooms: 2 SqFt: 2,217 Year: 1960 Estimated Value: $122,000.00 This is a good deal!!!   For more information and featured pictures visit http://www.hotbargainproperties.com/go.php?l=3daybid   Free Posting!!! 03/21/2008