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Buying, Selling, and Renting



Information and resources on real estate including buying and selling a home, choosing a mortgage, saving money for a home, and renting a home or apartment.






Saving for a Home - Home Mortgage Basics
Learn the basics of home mortgages and saving money to buy a home.  Information on types of loans, and how much money you need to buy a home.

Mortgage Tips for First Time Home Buyers
Buying your first property can be exciting, however, it is likely a new experience and therefore may be difficult to know where to start.  Educate yourself on what factors lenders will look at when evaluating you for a home loan. Here are some tips to help you prepare for your first home.

The Mortgage Maze for First Time Home Buyers

Obtaining a suitable mortgage can be a complex matter, and new home purchasers need to look at the available options before any decisions are made.


Choosing the Right Home Mortgage
Information on choosing the right home mortgage.

A Comparison of Popular Mortgage Products
here is a wide range of mortgage products available today.  Here is a comparison of some of the most popular home mortgage loans.

How you can Benefit from a Fixed Rate Mortgage
Fixed rate mortgages have historically been a popular loan type.  Here is some information why this may be the right mortgage loan for you.

Adjustable versus Fixed Rate Mortgages
When buying a home, one of the biggest decisions you will make is choosing between an adjustable versus a fixed rate mortgage.  Here is some information on both types of loans.

Tapping into your Home's Equity
If you must have debt, then home equity loans or lines of credit may be a good choice for you.

The Benefits of using a Mortgage Broker
If you need a mortgage, then using the services of an independent mortgage broker could save you time and money.

What Simple rules to know when it comes to making the bid
Tips for first time home buyers and making a bid on a home.

How to find a Realtor that will Work for You
For buying a home, you need to shop as carefully for a realtor as you do for your new home.

How are Realtors actually paid?

A response to the above article.  Information on how Realtors are really paid.

Check your Credit History before Deciding to Purchase a Home
Before looking to purchase a home, it is important to first check your credit report and history.

Investment property or residential property?
Should young adults take the step into flipping real estate, becoming a landlord, or just becoming a homeowner?

How to find a Home Mortgage Lender you can Trust that will be Honest Find a home mortgage lender you can trust.


Which Real Estate Professional does What
If you are buying or selling a home, then it is to your advantage to be familiar with the team of professionals involved in your real estate transaction.


Home Inspections and Hiring a Home Inspector

A home inspection is an important step before purchasing a home. Finding, choosing, and hiring a home inspector.


Straight Talk about Mortgage Loan Points

When shopping for a home mortgage loan, you will need to understand both interest rate and mortgage loan points.


Basics of the Housing Market

Learn the basics of the housing market cycle, including buyers and sellers markets.


What does the Monthly Mortgage Payment Include?

The monthly mortgage paymentusually includes taxes, interest, and principle.


Home Buying -- Location Matters

One of the most important decisions related to buying a home is location.


What's your Credit Score?
Understand your credit score for applying and qualifying for a mortgage loan.


Community Living: Is it right for You?
Is a traditional single-family home out of your price range or not your style?  Then consider a condominium, townhouse, or cooperative.


Bidding and Making an Offer in a Sellers Market
When buying a home in
a sellers market, when there is a low supply of homes, there are some points you should keep in mind.


Appraisals and your Mortgage Loan
When getting a mortgage to buy a home, your lender will require an appraisal.


Real Estate Property Easements
Learn what is an easement, and how is may effect your property.


Mortgage Types: A Home Loan Overview
Information on the different types of mortgages including fixed-rate, adjustable rate, hybrid, interest only, and more.
FHA loans are usually easier to qualify for and commonly used by people of less than perfect credit and lower income.


Understanding Private Mortgage Insurance
Learn about PMI, or private mortgage insurance.


Escrow Agreements and Real Estate Transactions
Escrow is an important part of your real estate transactions.  Also, information on title insurance.


Personal Property: What's included in your Home Purchase?
Before buying a home, make sure you know what items stay, and what goes with the seller.


Home Buyers Remorse

The experience of buying a home can be an emotional roller coaster even under the best of circumstances.


Title Insurance: Protecting Your Real Estate Investment

What about losses from claims made against your ownership? Title insurance protects against these risks.


Real Estate Agent: Relationships in Real Estate

Get smart about key terms that describe real estate professionals and their working relationships with buyers and sellers in a transaction.


Real Estate Purchase Contract Contingencies

Contingency clauses allow you to build in an escape hatch that allows you to legally walk away from the deal if the conditions you specified are not met.


Deeds: Transferring Ownership of Real Estate

In a real estate transaction, ownership transfers through a deed.


Determining Real Estate Fair Market Value

Just what is fair market value anyway? How is it determined, and when is it important?


Is Condo Living for You?

Despite the allure of maintenance-free, amenity-rich living, condominium ownership is not necessarily for everyone.


Home Warranties: Paying for Peace of Mind

If you are a home buyer, here are a few things to add to your knowledge base as you decide whether a warranty is right for you.


Making an Earnest Money Deposit

When making an offer to buy real estate you generally include an earnest money deposit.


Access Your Home Equity

If you own a home, you may be able to borrow money using your accumulated equity to secure the loan.


Understanding Adjustable Rate Mortgages (ARMs)

An adjustable rate mortgage, or ARM for short, is one of two primary types of mortgage loans.


Choosing the Best Mortgage Lender for You

Whether you are buying a new home or refinancing your present one, your selection of a lender is an important decision.


Typical Closing Costs

You should also have funds available to pay expenses associated with the purchase of real estate. These expenses are known as closing costs.


Reverse Mortgages

A reverse mortgage, or home equity conversion mortgage (HECM), is a type of loan that allows a senior citizen to keep their home, while still taking equity out of it without having to pay it back. Instead of a home equity loan, older homeowners may find that a reverse mortgage is a good way to get extra cash each month, or to handle unexpected expenses.


Mortgage Lender Types

Your bank may be the first place that comes to mind when you are looking for a home loan. But did you know that there are other sources for mortgages?


Basics of a Real Estate Purchase Offer

At last, you have found your ideal home, and you want to buy it. How do you begin the process? Start with a purchase offer.


Mortgage Loan Terms Home Buyers Should Know

As you proceed through the home loan process you will encounter a variety of terms, many of which may be unfamiliar and confusing.


Ways to Hold Title to Your Home

How you hold title is important because the various forms of ownership have different rights and obligations.


Take Your Final Walk-Through

Before you close on your new home, do a final walk-through.


Mortgage vs. Deed of Trust

Overview of a mortgage and a deed of trust.


Bi-weekly Mortgage Payments

You can reap interest savings and pay off your home loan faster by making extra payments.


Working with a Buyers Agent

As a homebuyer, you have the option of hiring a real estate agent to represent you. Called a buyers agent, this professional works in your best interests throughout the entire transaction.


Determining Offer Price for a Home

You know which house you want to buy and the sellers asking price. What you do not know is how much you should offer. Use the following suggestions to get a jump-start on coming up with that figure.


Online Real Estate Resources for Homebuyers

The Internet has become an increasingly popular resource for consumers looking to buy a home. But with so much information available online, where does a home seeker begin?


Ask About Restrictive Covenants Before You Buy

When you own your home, you can use it however you wish, right? Maybe not if restrictive covenants are in place that say otherwise.


Debt, Income, and Your Home Loan

Your debt-to-income ratio is a key factor that lenders consider when qualifying you for a home loan.


Avoiding the Pitfalls of Mortgage Refinancing

In difficult financial times, many families look to the possibility of refinancing the mortgage, either to make payments more bearable, or to provide some extra cash.


Bad Credit and Home Financing

A bad credit rating is a serious disadvantage for almost anyone, as it affects a persons ability to operate in the world in so many different ways.


Professional Designations for Agents

Some of the more common professional real estate designations to help you make more sense of this seemingly alphabet soup.


Home Equity Line of Credit and Second Mortgages

Families that have significant equity in their home have a powerful source of available funds, usually just for the asking. They can apply for a home-equity loan.


First Time Home Buyer Tips

Buying your first home can be an exciting time. It can also be confusing, frustrating, and even intimidating. You most likely have lots of questions, and you may not know where to begin.


Leasing Real Estate

Leasing property can work well for both buyers and sellers. If you are wondering if a leasing arrangement is right for your situation, here is a brief explanation of two leasing techniques to consider as you decide.


Refinancing Your Home Loan

You might have been thinking about refinancing, but you’re not quite sure. As you decide, you may want to keep the following considerations in mind.


RESPA Disclosures

The Real Estate Settlement Procedures Act (RESPA) is a consumer protection law that governs disclosures required at various stages during the home buying process.



Tips on How to Sell your Home Quickly
Tips on selling your house.

Changing Homes
If you are planning to sell your present home and buy another, which do you do first?

Tips for a Smoother Move
Moving tips for a smoother move.  Planning and packing advice.

Real Estate Listing Agreements
When selling your home with a real estate professional, you need to decide what type of listing agreement you will sign.

How to Prepare the Interior of your House for Selling

Things to do to prepare your home for selling.


How to Get the Outside of Your House Ready to Sell

Things to do to prepare the outside of your home for selling.


Home Inspections as a Seller Advantage

In recent years pre-sale inspections ordered by sellers before their home goes on the market have gained in acceptance and popularity.


What is a CMA?

If you have wondered what a CMA is and how it helps answer the home value question, you will find the following overview helpful.


Selling Your Home in a Buyers Market

Tips for selling your home in a buyers market.


Seller Financing: Financing the Sale of Your Home

Sellers sometimes agree to finance all or part of a home’s purchase price.


Full-Service vs. Discount Brokers

Information on full service verse discount brokers.


Boost Your Homes Curb Appeal

Be careful not to underestimate the importance of curb appeal when selling your home.


Disclosure by Home Sellers

The seller disclosure of material facts is an extremely important part of a real estate transaction.


For Sale By Owner Tips

Here are the pros and cons of selling your home yourself. Before you put that For Sale on your lawn, consider the following important aspects.


Finding a Listing Agent Right for You

You have decided to work with a real estate agent in selling your home. Now, how do you find several good agents to choose from?


Dealing With Foreclosure

The loss of a home due to foreclosure is something no owner wants to face.


Home Inspection Hot Spots

As you prepare your home for sale, do so with an eye toward getting a favorable home inspection report.


How to find your Dream Apartment

Finding your dream apartment starts with understanding your haves and wants.


Sharing an Apartment - Agreements for Roomies

After you find that perfect roommate, don't overlook setting up an agreement before moving in.



Basic Room Improvement and Feng Shui
A few ideas for decorating and basic room improvement.
Knowing the basic art of Feng Shui can help you create a more organized space for you and your family.


How to Organize a Long Distance Move

Moving across town is difficult enough, but when you are faced with a move that takes you out of the city in which you live, or even to another state, you can become overwhelmed very quickly.


How to Stop a Foreclosure

There are ways you may be able to save your home, delay the foreclosure, or at least give it up gracefully.


Investing in REITs

The real estate investment trust (REIT) is an excellent way to invest in real estate, without actually having to manage properties.







Renting an Apartment

Read the apartment advertisements and answer the questions about choosing an apartment to rent. Focus is on rent comparison.


Mortgage Loan Calculation

A worksheet introducing students to the concept of a mortgage loan. Also introduces the concepts of down payment and closing costs.




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