What to Bring to Qualify for a Mortgage?Remember the rule of 2- 2 most recent paystubs 2 years of W-2's, 2 most recent Federal Tax Returns, and 2 account statements from all your asset accounts- checking, savings, retirement accounts. Depending on your circumstances, you may be asked to bring other documents. For example, those recently divorced, you may need a copy of your divorce decree. Interest Rates are VERY LOW!!! Now is a great time to get a mortgage, refinance your home to a lower rate and a lower term.
Seller Financing- If you are selling your house and own it outright, many will consider carrying the financing for the buyer themselves. Rates are negotiable so you may be able to get a mortgage with a little bit of a higher rate. Down-payments are important to remember so that if something fails, you, as the seller, have some money to help cover your risk. Is this a good investment for you as a seller?
Lease-Purchase or Lease-Option How does a lease purchase work? The main confusion lies into the difference between a lease-purchase and a lease-option. With a lease purchase you are going into a contract to purchase the house. A lease option simply gives you the option to purchase. With a lease purchase, as a buyer, you are most likely giving a deposit that is non-refundable. Remember to know... Where is the deposit being held? Is the Owner keeping their mortgage current? Without proper knowledge of this information, you may find yourself without a home and without a refundable deposit. Also, contact our office and find out more information on how to protect yourself.
Exterminating Pests in Tulsa
In this warmer Winter weather, we are getting calls for ants, spiders and bedbugs. We can treat for all of these pests. Bedbugs are coming in to homes from many sources. IT IS IMPORTANT that you get your home treated for bedbugs. They won't just go away. Treat now before it gets worse. Remember, they will travel. They will travel into adjoining walls (apartments, condos) and can come from used clothing, mattresses, etc. We will do free evaluations to address your needs. No obligation.
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CONTACT POLICY
By submitting personal information such as name, address, phone number, email address and/or additional data, the real estate client/prospect consents that Darryl Baskin or his authorized representative may contact client/prospect by phone, U.S. Postal System, or e-mail whether or not client/prospect is participating in a state or federal or other "do not contact" program of any type.
