http://homehelperservices.net en-us http://homehelperservices.net N/A vfetty@dbs-inc.org Thu, 29 Jul 2010 15:22:22 CDT 20 http://homehelperservices.net/articles/67/1/First-Time-Home-Buyers%3F-A-Step-by-Step-Guide Buying your first home can be a daunting prospect. This guide will help you through the process and explain each step to buying your first home. Missy Moore Tue, 03 Jan 2006 00:00:00 CST http://homehelperservices.net/articles/59/1/Do-You-Need-A-Real-Estate-Appraisal%3F Yes! Ordering an appraisal is an important step in the home buying process, because the appraiser's report offers a close estimate of a property's true market value - the likely sales price it would bring in an open and competitive real estate market. Your lender will require an appraisal when you ask to use a home or other real estate as security for a loan, because it wants to make sure that the property will sell for at least the amount of money it is lending. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/58/1/Will-You-Survive-A-Real-Estate-Closing%3F Have you ever taken a two hour final exam that seemed never ending? Buying a house is like taking the course in school, which is a lot of hard work. The closing on the house is like finishing the course with the final exam. What can you expect when you get there other than writer's cramp? Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/53/1/Credit-Score-%26-Report What Is Your Credit Score? What Does It Mean For Your Mortgage? Mortgage lenders closely examine your financial history to determine whether to approve your loan application. Your credit report is of primary concern. It details your payment history on all loans, bankruptcy filings and other financial information. Your credit score, which uses your credit report to arrive at a numerical representation of your overall creditworthiness. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/51/1/Finding-A-Realtor Are you re-locating to a new city or new state? Do you need to buy a new home or condominium? Locating the one Realtor that will help you find what you are looking for in a home can be overwhelming. We understand and can help you in your search. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/42/1/Your-Condo%2C-Your-Money-Pit%3F Though condo values have been rising, they historically have been much more volatile than single-family home values. Worse, living in a condo can be maddeningly complexâ€"and costly. Something weird is happening with condominiums across the country. They’re not only gaining value, but they’re appreciating faster than single-family homes. Condo values rose more than 27% between 2000 and 2002, double the increase for regular housing. Incredibly, the median value of condos in the second quarter of 2003 ($163,500) -- is now just slightly below that of single-family homes ($168,400). This is a big deal. Condos have long been the unloved stepchild of the real-estate world. Typically, they've gained value more slowly in good times and lost value more quickly in recessions than other homes. Missy Moore Wed, 30 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/41/1/Should-You-Purchase-A-Condo-or-A-Single-Family-Home%3F Should You Purchase A Condo or A Single-Family Home? For first-time home buyers, many have the question burning in their mind: Should I purchase a condo or a single-family home? When you reminisce back to the 1950s, many families would describe their dream home as a house in the suburbs with four bedrooms and a big backyard. That still remains for many families, but today there are far more housing choices, reflecting different life-styles and preferences. Also, first-time home buyers aren’t always families. They are single-adults without the responsibility of a family. Just the same, those single-adults want to sometimes plan for the future when deciding to buy their dream home. Missy Moore Wed, 30 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/35/1/Home-Inspection-For-The-Buyer The purchase of a home is probably one of the single largest investments you will ever make. You should be as informed and educated as you possibly can when considering a home purchase. And a home inspection can provide that education. Also, the FHA and the VA, as well as many other mortgage lenders, recommend that a home inspection be performed. Missy Moore Thu, 10 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/28/1/Tips-For-Working-With-Lenders Here are just a few tips that should be considered when working with lenders: Missy Moore Mon, 07 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/24/1/What-Does-A-Real-Estate-Appraisal-Mean-to-You%2C-The-Buyer%3F Your personal approval is accomplished early in the loan process, but final loan commitment usually hinges on a satisfactory appraisal. The bank wants to be sure its investment is covered in case you default on the loan. Missy Moore Mon, 07 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/8/1/What-The-Buyer-Should-Consider-When-Scheduling-A-Closing As you know, timing is critical when scheduling the closing. Here are a few things to consider: Current living situation. Mortgage considerations. Work schedule. Moving. Yearend. Missy Moore Mon, 07 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/7/1/Buy-Foreclosed-And-Repossessed-Homes The U.S. Department of Housing and Urban Development (HUD) sells homes acquired as a result of a foreclosure on a FHA-insured mortgage. These properties are available for sale to both homeowner-occupants and investors. You can only purchase HUD-owned properties through a licensed real estate broker. HUD will pay the broker's commission up to 6 percent of the sales price. Missy Moore Mon, 07 Nov 2005 00:00:00 CST