Home Buyer

Hard Credit Inquiries vs. Soft Credit Inquiries

When you get a copy of your credit report, you’ll see more than just your current and historical credit accounts. You’ll see your payment history, including any payments made more than 30, 60, and 90 days past the due date, along with your account balances and credit limits. You’ll also see credit inquiries. A credit… Read More »

30-Year and 15-Year Mortgages Are Not Your Only Choice

If you’re brand new to the wonderful world of home loans, you might be a bit overwhelmed by how many different types of financing options are really out there. Both primary loan types (fixed-rate and adjustable-rate) have many variations, so how do you know which one is best for you? Let’s start with Fixed-Rate Mortgages.… Read More »

What Is An Escalation Clause and Should I Use One?

In this tight sellers’ market, where every property listed receives multiple (and over-asking price) offers within hours, agents are looking for creative ways to make their buyers’ offers stand out. One method that has gained a lot of traction lately is the escalation clause. What is it? Simply put, an escalation clause is like putting… Read More »