Lazar Bityou - Key Mortgage Services

09/26/2022

Hello, I am opened my Key Mortgage Page Today. Please follow it. I will be posting information about the most recent mortgage related news and updates. 👍👍👍👍

04/25/2020

Home inspections can shed light on a home's weaknesses. Make sure you have an inspection contingency -- just in case.

Look for these potentially expensive flaws when buying a house.

04/22/2020

Having an appraisal contingency in place can help protect you. But you do have options, even with an appraisal that is less than the sale price.

Negotiating a home sales price is nerve-wracking, and once you have a set price, you're not necessarily clear for closing. Mortgage companies require a professional appraisal on the house. When the appraised value comes in lower than the sales price, it can throw a major kink in your home-buying pla...

04/19/2020

How does an earnest money deposit factor into your home purchase? Find out what both buyers and sellers need to know:

Earnest money is a payment that you make to the seller of the property in good faith, proving you can back up your offer with cold hard cash.

04/16/2020

Contingencies can help protect your earnest money, as well as your best interests.

Buying a home? Consider including these five contingencies in your contract.

04/13/2020

Do not let that earnest money go to waste.

Sign up for our newsletter to learn about five ways you can protect your earnest money deposit.

04/04/2020

How can you create healthy financial habits that will benefit you in the future?

Ideally, first-time homebuyers should aim to make a 20% down payment, and saving that much can take time. That's why your 20s is the time to start putting money away if you want to own a home in your 30s. "Think of it as paying yourself first," says Heather Winston, a certified financial planner at....

04/01/2020

Adjustable-rate loans often come with lower interest rates than fixed-rate loans. What are some other considerations when you are trying to decide what type of mortgage you want?

How long do you plan to stay in the home?

03/29/2020

Make sure you understand how high your rate increases could go at each stage of your loan.

Adjustable-rate mortgages (ARMs) typically include several kinds of caps that control how your interest rate can adjust.

03/26/2020

For the right borrower, an adjustable-rate loan can mean serious savings. Is it right for you?

Buying a home or refinancing? Here is when you should use an ARM.