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Flexible Payment Mortgages With most mortgages, your payment is the same every month. But what if your paycheck isn’t so regular? Would you like to be able to vary your mortgage payment depending on your cash flow? An option ARM -- also called a flex-ARM or pick-a-payment loan -- allows you to do just that. How does it work? An option ARM is an adjustable-rate mortgage with a twist. You don’t pay a set amount each month. Instead, the lender sends a monthly statement with up to four payment options.... Is The House Worth The Price? Before you plunk down your hard-earned cash for what seems to be the perfect home, step back and take time to consider the following: A Comparative Market Analysis Ask your real estate agent to provide you with a Comparative Market Analysis (CMA). A CMA compares similar homes in the same neighborhood that have sold in the past six months to a year or are still on the market. The house you want should compare favorably in price, with the price properties sold for being mor... Mortgages And Interest Rates Interest rates can affect the type of mortgage you choose and dictate when it’s wise to make a change. Here are a few of the factors that can be affected by a swing in interest rates: Choosing a mortgage When interest rates are rising, a fixed-rate mortgage is usually a good choice, since it locks in the current rate and protects you from the higher rates to come. When rates are falling, an adjustable-rate mortgage (ARM) becomes more attractive, as its interest rate chan... How To Save Money On Your Mortgage Understandably, when most home buyers look for a mortgage, their top priority is to get the lowest monthly payment. But it’s a better idea to look at how much it’s going to cost you over the long term, in both interest payments and fees. By looking at these costs, you can save a significant amount over the years. Even if you already have a mortgage, there are still a number of strategies you can use to reduce the total amount of interest you’ll pay. Most of these accelerat... Top Home-Buying Mistakes Buying a house is the largest investment most people ever make. Yet, all too often it’s a decision made in haste without adequate preparation. Use our list of common house-buying mistakes to avoid costly regrets. Buying at first sight. You may be in love with the place, but does it fit your family’s needs and budget? Make a list of your needs and wants and make sure the house fits your requirements. Check out the neighborhood and the community before you buy by visiting a... What You Need To Know About Homeowners Associations Almost one in six people in America live in a community regulated by some kind of homeowners association, according to the Community Association Institute, a national non-profit group that provides resources to such organizations. They may live in the city or the suburbs, in a common interest development, privately owned community, planned unit development, subdivision, condominium, co-op apartment building, or mobile home subdivision. Depending on where you live, your loc... Buying A Home With A Good Resale Value The most important features that help sell a home are the three you hear about all the time: location, location, location. But beyond neighborhood, there are a number of factors that influence resale value. This is an important consideration. Even if you believe you’ve found your dream home and will never move, chances are you will sell it one day. Here are some of the home features that help sell a home: Outside Real estate agents cite curb appeal as key to sell... Guide To Buying A Condo The condominium market has been rising steadily for the past few years, with the condo market regaining the momentum and importance it had in the initial condo boom of the 1980s. Condo buyers generally fall into three groups: first-time buyers making the jump from renting; people looking to buy a second home that they will use part-time; and retirees who are trading in high-end homes for the low-maintenance lifestyle a condo provides. What exactly is a condominium? A c... How To Buy And Sell A Home At The Same Time It can be daunting to sell your current home and buy another home at the same time. Who wants to pay two mortgages or move twice? Use our tips below to help you get organized and plan your move, so everything goes smoothly. Teamwork Is Important Use the professionals you have hired to ease you through the process: your real estate agent, lawyer, lender, appraiser, inspectors, movers, etc. To make sure everyone is on the same page, keep communication open with all those ...