Conventional 1% Down Program

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  Conventional 1% Down program with Equity Boost makes it easier than ever to get a borrower into their new home. Here’s how it works: Borrower puts down 1%, the lender contributes 2% toward the down payment, giving them 3% equity at closing.* Conventional 1% Down program is a great way to offer a low… [Read More]

Message from the Mortgage Desk

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“Mortgage Do’s and Don’ts” Today amid all the information pouring out to individuals via billboards, radio ads, TV ads, and the Internet what is the right information to follow?  Below is a simple list of mortgage credit Do’s and Don’ts by Vic Melillo, a 25+yr Credit Master at Universal Credit Services.  My credit expert! “Mortgage Do’s”… [Read More]

Things to avoid saying in front of a Seller

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“This is my dream home.” This puts you at a disadvantage in negotiations. “That couch (lamp, table) is awful.” Don’t be critical of someone else’s decorating. “I can afford to spend $ number of dollars.” This limits your negotiations. “I can’t wait to get rid of that…” Insulting something in the house will turn off… [Read More]

A Little Secret That I Received From My Accountant

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A little something that I received from my Accountant. The new tax bill will limit the deductibility of state and local taxes (SALT) next year, capping the deduction to $10,000. If you usually itemize your deductions and have combined state income tax and local property tax of over $10,000, then this will cost you next… [Read More]

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