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How are pre-qualifying and pre-approval different? Pre-qualification is an informal way of presenting the amount you may be able to borrow. You can be ‘pre-qualified’ over the phone with no paperwork by telling a lender your income, your long-term debts and the size of down payment you can make. Without any obligation, this helps you to arrive at a ballpark figure of the amount you may be able to spend on a house. Pre-approval is a lender’s actual commitment to lend to... [read more]

Real estate marketplaces are generally most active in summer because families with children want to move in before school starts. So more homes are typically available in summer as well. But buyers and sellers tend to balance out in other seasons too, especially in today’s tight market. There may be fewer buyers in late December but usually fewer homes, too. So, prices tend to rise or fall on general demand in that market rather than time of year. It’s best to sell when you... [read more]

Tips for First Time Home Sellers If the time has come to sell your home and you’ve never been a seller before, here are some tips for getting it right the first time: Make sure your property is in “tip top” shape so it creates a great first impression. Thoroughly clean your home and make sure all mechanical systems are in good working order. Use a REALTOR. Don’t try doing it yourself. And be sure to let your REALTOR know that this is your first experience as a home... [read more]