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Pre-Qualified vs Pre-Approval
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Many people use these terms interchangeably, but there is an important difference, especially if you are selling your house and are trying to evaluate whether a buyer can qualify for a mortgage or not.
‘Pre-qualified’ means that a mortgage broker has spoken with the buyer, taken information over the phone, and has run a buyer’s credit. The mortgage broker deems the buyer “pre-qualified” if all the information the buyer has…
Think You Are Being Over-Taxed?
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New legislation was recently passed which provides that each county must mail a Tax Assessment Notice to all property owners once a year. If the homeowner does not agree with the value on the assessment, he/she will have 45 days from the date on the Notice to appeal the assessment. Here are the answers to frequently asked questions:
1. Is there a form to use for the appeal?
At this…
The Great Recession is Over!
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Time to party! According to the National Bureau of Economic Research, The Great Recession is over. Yipee! In fact, apparently we should have started partying since last summer. People who track these things say the recession has been over since June 2009. Who knew?
Here’s something cool and oddly comforting: if the economy takes another downturn, officials will consider it to be a brand new recession.
And in case you…
Good Thing You Missed the Tax Credit!
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If you’ve been kicking yourself for missing the tax credit last Spring, listen to this:
You are actually better off buying now without the tax credit than back then with the tax credit.
How can that be, you ask? It’s all about interest rates. Interest rates have dropped so low – we’re talking historic, all-time lows – that buying now is like getting the tax credit and so much…
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