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MORTGAGE INSURANCE

Friday Nov 4th, 2016

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Did you know that when you are ready to purchase a property you will hear the word insurance, over and over again.  Mortgage Insurance, Life Insurance, House Insurance Who do you know that has no idea why they have to pay for mortgage insurance, when they’re buying a property with less than a 20% down payment. The reason buyers pay mortgage insurance is to protect the lenders money.  Yes that’s right, buyers pay to insure the lenders money.  If the Buyer,... [read more]

Invest in Real Estate, to retire better & sooner

Friday Nov 18th, 2016

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Did you know that owning a second property and renting it out can be a great way to supplement your retirement income or a great way to pay off the mortgage quicker on your principal resident. We have been landlords for over 10 years now.  I admit, some tenants have been challenging. When considering becoming a Landlord, know that there will be challenges, but if you go about it with a plan, the pros out way the cons. When we began investigating what it would take, to purchase a few... [read more]

First time buyers need the experience of seasoned Sales Representatives

Tuesday Dec 20th, 2016

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We are Bonnie and Paul Jones and we are Full-Time Realtors with Sutton Group Heritage Realty. First time home Buyers are going to be hard pressed to get into home ownership, given the recently changed lending criteria? Who do you know that will be trying to Buy their first home in 2017? They would be a great referral for us.  We love working with first time home Buyers. With competing offers, lending restrictions and low inventory first time home Buyers have a very small window... [read more]

Tough Mortgage

Wednesday Feb 8th, 2017

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Over the last few years, more purchase offers have fallen apart due to financing than in the past couple of decades combined. Financing has become that challenging, and few people realize it until they actually write an offer and make the application. When it comes to mortgage financing, while money may never have been cheaper… it’s also never been harder to get. Get preapproved!!! [read more]

The Ugly Duck

Friday Feb 17th, 2017

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Recent studies have shown that the old adage of buying the worst house on the block may not offer the best rate of return. Often it is the worst house, and priced accordingly, for good reason. As an investment strategy one is often better off focusing on the neighborhood itself, with an average home in a hot neighborhood often doing far better than the ugly duckling in a less desirable area.   [read more]

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