Use the tools at the bottom right hand corner of the map to select your location and other real estate buying criteria!

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“Why Buy a Home?”;
“Disclosure: Safest Way To Sell A Home”;
“Should I Take My Home Off the Market During the Holidays?”;
“Tips for an Eco-Friendly Holiday”;
“Value in Homeownership”;

Plus a roundup of November real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

Sincerely,
Rob Cassam

Effective October 4, 2010, borrowers with a credit score below 500 are not eligible for FHA-insured mortgage financing. Borrowers with a credit score between 500 and 579 are limited to 90 percent LTV, which requires a 10 percent down payment. Borrowers with a credit score of 580 or higher are eligible for maximum financing, which requires a minimum 3.5 percent down payment. Borrowers with nontraditional credit histories may be eligible for maximum financing.   

http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/10-29ml.pdf

For all traditional purchase and refinance products the upfront premium is 1 percent. On 30 year loans with a 95 percent loan-to-value (LTV) ratio or lower the annual premium is .85 percent. On the 30 year loans with an LTV lower than 95 percent the premium is .90 percent. For all reverse mortgages, known as the Home Equity Conversion Mortgage, the upfront premium is 2 percent and the annual premium is 1.25 percent. 

http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/10-28ml.pdf

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“Priced to Sell”;
“Most Homebuyers Have No Regrets”;
“Staging a Photo Ready Home”;
“Handling Neighborly Disputes”;
“Social Benefits of Housing”;

Plus a roundup of August real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

If you do not wish to receive this Newsletter each month, please reply to this e-mail with the word ‘REMOVE’ in the subject line.

Sincerely,
Rob Cassam

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“Five Keys To Successful Negotiations”;
“How to Recognize a Sellers Market”;
“Most Neighbors Still Connect The Old Fashioned Way”;
“Making Your Home Appealing On A Budget”;
“Final Walk-Through Tips”;

Plus a roundup of July real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

Sincerely,
Rob Cassam

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“How To Make Buyers Want Your Home”;
“Debunking Credit Score Myths”;
“Choosing The Best Home”;
“Home Warranty FAQs”;
“Should You Move Up?”;

Plus a roundup of June real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please post!

This Newsletter is full of interesting and useful information that I think you will enjoy whether you are a buyer, seller, homeowner, or renter.

This month’s issue includes topics such as:

“Five Key Areas to Pay Attention to When Buying a Home”;
“Green Your Home with Cost-Saving Remodeling Tax Credits”;
“Common Buyer Fears”;
“Top 10 Tips for Staging a Home”;
“Seniors Looking to Downsize, Seek Opportunities to Socialize in Urban Living Areas”;

Plus a roundup of April real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too!

Best regards

Rob Cassam