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Month: September 2013

How Your Assets Figure in the Mortgage Process

Many home buyers know that their assets are good sources of a down payment, but do you know assets play other key roles in the mortgage process? Assets are liquid funds that borrowers can put down on a property and use as closing costs, but also to show as reserves to satisfy lender requirements.  Conventional […]

Fall is the Time to Organize and De-clutter Your Home

Some like spring cleaning; others, spurred by the start of a new school year and need for a fresh start, prefer to organize in the fall. If you’re in the latter category, don’t wait for spring.  The time to sort and declutter is now. The number one thing on your to-do list? Make a to-do […]

Going Away? Be Smart With Your Phone

Your bags are packed, airline tickets have been booked and you’re off to the airport…it’s vacation time!  You’ve spent so much effort planning for this exciting experience and making sure your belongings are safe, but do you always think about your phone? Here are a few tips that, according to McClatchy-Tribune News Service, will help […]

Why Retweeting May Necessitate a "Retwaction"

They say “Googling before you type is the new think before you speak” – a relevant reminder in a social climate where we quickly like or share Web material. Arguably, the rule to think before you speak is most pertinent when it comes to Twitter.  In the entire sea of social media, Twitter represents the […]

What You Need to Know About VA Mortgages

If you are either an active member of or are retired from the armed forces, I thank and salute you, and would like to inform you that if you are considering purchasing a property, a VA mortgage is worth looking into. Zero Percent Down While zero percent down is unheard of today in mortgage lending, […]

Considerations When Buying a Townhome or Condo

With the large number of properties that are still available at reduced prices these days, townhomes and condominiums represent excellent purchasing options:  they often offer low-maintenance living and community facilities that would usually be unavailable in single-family homes. When considering purchasing a townhome, keep in mind that there can be substantial differences in how the […]

Latest Tech Tools Help Boost Your Business Productivity

If you wish to seize new opportunities, you will need the right tools for each task.  Several popular tech devices and apps help to track work, bill clients and get paid.  They can also help overcome the bookkeeping entanglements that impede success. Many small business owners are using cloud accounting to simplify their bookkeeping.  An […]

Deciding Between FHA & Conventional Financing

There are basically two main routes that are commonly used these days when looking for financing for home purchases:  FHA and Conventional.  Here is a brief primer of how both work. FHA Financing FHA is getting more popular these days as credit guidelines become more stringent and cash-strapped borrowers look for lower down payments.  Compared to […]

Watertown Homes No Longer Eligible for USDA Financing

As of October 1, 2013, homes in Watertown will no longer be eligible for USDA Rural Development financing. With the new census that was done, the city of Watertown was found to be over the 20,000 population maximum for the USDA loan.  Please look at the map below for details on the Watertown city limits. If you […]


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