TRID Mortgage Processes
- What Lenders Must Disclose
- Loans Covered By TRID Disclosures
- Loans NOT Covered By TRID Disclosures
- 6 Required Pieces of Information
- Can Lenders Request More Information?
- Do Lenders HAVE To Approve In 3 Days?
- What Is A Business Day?
- How Long Will Lenders Keep My Records?
- What Does The Loan Estimate Tell You?
- Could My Loan Exceed The Estimate?
- Refunds – If Your Loan Exceeds Your Estimate
- Can Creditors Revise Loan Estimates?
- Can My Settlement Charges Change?
- When Do I Get My Closing Disclosure?
- Loan Estimates – Terms, Payments, Closing
- Loan Estimates – Loan Costs
- Loan Estimates – Services You Can’t Shop
- Loan Estimates – Services You CAN Shop
- Loan Estimates – Other Costs
- Calculating Your Cash To Close
- Understanding Loan Estimate Comparisons
- Your Rights For Closing Disclosures
- Closing Disclosures – Understanding Page 1
- Closing Disclosures – Closing Costs
- Closing Disclosures – Understanding Summaries
- Closing Disclosures – Important Additions
Starting
- Determining Your Housing Needs
- Start The Home-Buying Process!
- Am I Ready To Buy?
- How Lenders Decide Your Maximum Loan
- Purchasing Vs Renting A Home
- Do I Need A Lawyer To Buy?
- Why Use a REALTOR®?
- How To Pick Your Community
- Learn Your Community Resources
- Walkthrough – What To Look For
- Keeping Track Of Homes
- What To Ask When Looking At Homes
- Older Vs Newer Homes
- What If You Feel Excluded?
- Determining Property Tax Risks
- Key Issues Before Buying A Home
Selecting
- Determing Your Initial Offer
- How To Make An Offer
- What Is Earnest Money?
- What is An Inspection Clause?
- What Do Home Inspectors Do?
- Be There For Inspection?
- Do I Need Homeowners Insurance?
- Lower Your Homeowners Insurance Costs
- Powerlines – Health Hazard?
- LEAD In Homes!
- What About Flood Plains?
- What Are Home Warranties?
- Final Walkthrough Warnings
New Homes
- What Are Builders Incentives?
- What is A Decorating Allowance?
- Preferred Lenders – Best Choice?
- What Is The Punch List?
- What Are Constuction Perm Loans?
- What Is A Rate Lock?
- Comparing Production vs Custom Builders
- New Homes – Use An Agent?
- New Homes – Use An Attorney?
- Comparing New-Home Builders
Mortgages
- What Is A Mortgage?
- What is A Qualified Mortgage?
- What Is Loan-To-Value (LTV)?
- How Large A Down Payment Do I Need?
- What Is Ability To Repay?
- First-Time Mortgages?
- The Main Types Of Mortgages
- When Do ARMs Make Sense?
- How Interest Affects Mortgages
- What If Interest Rates Fall?
- Fixed-Rate Mortgage Advantages
- Key Factors In Mortgage Payments
- What Does A Mortgage Cover?
- What Are Discount Points?
- What Is Mortgage Insurance?
- What Is PMI?
- What Is Prime?
- What Is Equity?
- Can I Pay Off Early?
- If You Fall Behind On Your Home Loan…
Financing
- Key Steps To Secure Your Loan
- What is Debt-To-Income?
- Pre-Qualifying vs Pre-Approval
- Ability-To-Repay Exemptions
- Lending Process DOs and DON’Ts
- After Your Loan Application…
- Choosing Your Lender
- Choosing Your Home Loan
- How To Compare Loans
- Understanding Loan Fees
- What is A Good Faith Estimate?
- What Is RESPA?
- What’s An Appraisal?
- Removing PMI From Loans
Credit Scores
- What is A Credit Score?
- Find Your Credit History
- Improving Your Credit Score
- Fixing Credit History Errors
Title & Closing
- What Is Escrow?
- Closing Costs Explained Visually
- Title Insurance Explained Visually
- What Are Real Estate Commissions?
- What Happens On Closing Day?
- What Do I Get At Closing?
- What Makes Up Closing Costs?
Federal Programs
- How Can The FHA Help?
- What Are The Steps In FHA Loans?
- Credit History and The FHA
- FHA Debt-To-Income Ratios
- Are FHA Loans Assumable?
- Lower FHA Mortgage Premiums
- What Is The FHA Loan Limit?
- What Qualifies As Income For FHA?
- If You Fall Behind On An FHA Loan…
- About FHA Closing Costs
- About 203(b) and 203(k) FHA Loans
- What Is HUD?
- How Does HUD Help?
VA Loans
- What Are VA Loans?
- Major VA Loan Types
- What is The VA COE?
- VA Funding Fee Exempt?
- Understanding Joint VA Loans
- VA Loans and Your Discharge
- VA Loans – More Than Once?
- VA Loans – For Rentals?
- VA Loans – For Farms?
- VA Loans And Divorce
Selling
- Improving Your Home’s Value
- Making Your Home Ready To Sell
- Preparing For Internet Showing
- Home Sales Tips – Prepping The Inside
- Home Sales Tips – Prepping The Outside
- How Do I Evaluate An Offer?
- What Is A Counter-Offer?
- Closing Meetings For Sellers
- The Closing Process For Home Sellers
- For Sale By Owner?
Going To Market
