Category: Home loans

Posts related to Home loans

mortgage broker

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dbij financace mortgage brokers

 

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home valuation

Understanding The Home Appraisal Process

When you buy a home using financing from a bank, refinancing your existing loan, or selling your home through a Real estate other than an all-cash sale, the home appraisal is a key component of the transaction. Whether you’re a buyer, owner or seller, you would want to understand how the valuation/appraisal process works and how an appraiser determines a home’s value which helps you making a knowledgeable decision.

 

What Is a Home Valuation/ Appraisal? & Why is it important?

A valuator is an unbiased professional opinion of a home’s value. Appraisals are almost always used in purchase and sale transactions and commonly used in refinance transactions. In a purchase and sale transaction, an appraisal is used to determine whether the home’s contract price is appropriate given the home’s condition, location, and features. In a refinance, it assures the lender that it isn’t handing the borrower more money than the home is worth.

Lenders want [...]

pay debt or invest

Investors face this dilemma of whether to pay down debt with excess cash (e.g. Bonus, salary increase & other windfall) or invest that money to turn it into even greater amounts of wealth. If you pay off too much debt and reduce your leverage, you may not be able to garner enough assets to retire. Conversely, if you’re too aggressive, then you may end up losing everything. In order to decide whether to pay down a debt or invest, you must consider your best investment options, risk tolerance and cash flow situation.


Pay Down Debt or Invest?

All debt is not equal. The type of debt you have can play a vital role in the decision making of whether to pay it off as soon as possible or put your money toward investments.

From a numbers perspective, your decision should be based on your after-tax cost of borrowing versus your after tax-return on investments. Suppose, for instance, [...]

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