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Dave Crosby

Negotiate Your Best House Buy

by on November 5, 2010 in First-time Home Buyers, Real Estate Career, The Buying Process Comments { 0 }

Homeowners in Spokane, Washington

By: G. M. Filisko Published: June 4, 2010 Keep your emotions in check and your eyes on the goal, and you’ll pay less when purchasing a home. Here are six tips for negotiating the best price on a home. 1. Get prequalified for a mortgage Getting prequalified for a mortgage proves to sellers that you’re [...] Read more

Dave Crosby

State Wide Home Buying Assistance Programs

by on November 5, 2010 in First-time Home Buyers, The Buying Process Comments { 0 }

Statewide Programs USDA Guaranteed Rural Housing Program Details: Home purchases in eligible rural or small towns and non-metropolitan areas of counties; Loan amount can include closing costs and repairs; Resale or new construction; Negotiated market rates. Available statewide in eligible rural areas only. Income Eligibility: Ranges from $73,600 to $92,000 based on county, higher limits [...] Read more

Dave Crosby

What Affects Credit Scores? 7 Misconceptions

by on October 25, 2010 in First-time Home Buyers, The Buying Process Comments { 0 }

What Affects Credit Scores? 7 Misconceptions

If you’re trying to raise your credit score to get a good rate for a refinance or HELOC, you might be surprised by what affects—or doesn’t affect—your score. Having many credit lines won’t necessarily hurt your credit score, so long as you keep balances below 20% of the total credit line. Image: Rob Daly/OJO Images/Getty [...] Read more

Dave Crosby

Understanding your credit report

by on October 20, 2010 in Getting Financed, Mortgages, Real Estate Musings, The Buying Process Comments { 0 }

It is important to have an understanding of your credit report and credit score before applying for a mortgage. Your credit score, referred to as FICO by lenders, is one of the most important factors on your ability to qualify for the best loan products available. Your score is determined by the information on your [...] Read more

Dave Crosby

How Low Can They Go? 30-Year Mortgages Hit 4.27%

by on October 16, 2010 in Real Estate Musings, The Buying Process Comments { 0 }

October 8, 2010 By Stephanie Armour Mortgage rates hit another record low this week, even as consumers’ worries about the economy continue to hold back demand for mortgages. Interest rates on a 30-year fixed mortgage fell to 4.27%, with an average 0.8 point, for the week ending Thursday, according to Freddie Mac’s weekly survey. That’s [...] Read more

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