Team Hope (Helping Other People Everyday) "We Live by Our Code of Ethics"

05/15/2015

http://youtu.be/uWMGIh0qF6U

Expand your clientele even further and show this source of business what you have to offer. Learn here what to do with Expired Listings and why you do it. Do...

04/06/2015

Showing homes to first time homebuyers is the start of s great blessing😃😃

01/17/2014

6. HOW CAN I DETERMINE MY HOUSING NEEDS BEFORE I BEGIN THE SEARCH?

Your home should fit way you live, with spaces and features that appeal to the whole family. Before you begin looking at homes, make a list of your priorities - things like location and size. Should the house be close to certain schools? your job? to public transportation? How large should the house be? What type of lot do you prefer? What kinds of amenities are you looking for? Establish a set of minimum requirements and a 'wish list." Minimum requirements are things that a house must have for you to consider it, while a "wish list" covers things that you'd like to have but aren't essential.

FINDING YOUR HOME

01/16/2014

Your financial goals should take as S-M-A-R-T approach, in that they are:

S— specific, so you know exactly what your goals are
so you can create a plan designed to achieve those
objectives.
M— measurable with a specific amount. For example,
“Accumulate $5,000 in an investment fund within three
years” is more measurable than “Put money into an
investment fund.”
A— action-oriented, providing the basis for the personal
financial activities you will undertake. For example,
“Reduce credit card debt” will usually mean actions to
pay off amounts owed.
R— realistic, involving goals based on your income and life
situation. For example, it is probably not realistic to
expect to buy a new car each year if you are a full-time
student.
T— time-based, indicating a time frame for achieving the goal,
such as three years. This allows you to measure your progress toward your
financial goals.

01/14/2014

What is a fixed rate mortgage and how does it work?

A fixed rate mortgage loan is a loan where the interest rate remains the same throughout the term (time period) of the loan. The borrower knows that the interest rate will not change until the borrower either pays off or refinances the mortgage loan.

01/09/2014

3. HOW DOES PURCHASING A HOME COMPARE WITH RENTING?

The two don't really compare at all. The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for housing.

Owning a home has many benefits. When you make a mortgage payment, you are building equity. And that's an investment. Owning a home also qualifies you for tax breaks that assist you in dealing with your new financial responsibilities- like insurance, real estate taxes, and upkeep- which can be substantial. But given the freedom, stability, and security of owning your own home, they are worth it.

01/08/2014

2. HOW DO I BEGIN THE PROCESS OF BUYING A HOME?

Start by thinking about your situation. Are you ready to buy a home? How much can you afford in a monthly mortgage payment (see Question 4 for help)? How much space do you need? What areas of town do you like? After you answer these questions, make a "To Do" list and start doing casual research. Talk to friends and family, drive through neighborhoods, and look in the "Homes" section of the newspaper.

01/07/2014

1. HOW DO I KNOW IF I'M READY TO BUY A HOME?

You can find out by asking yourself some questions:

- Do I have a steady source of income (usually a job)? Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable?
- Do I have a good record of paying my bills?
- Do I have few outstanding long-term debts, like car payments?
- Do I have money saved for a down payment?
- Do I have the ability to pay a mortgage every month, plus additional costs?

If you can answer "yes" to these questions, you are probably ready to buy your own home.

10/31/2013

10/31/2013

These common homeowner mistakes can turn your savings into debt.

10/03/2013

07/24/2013

A housing transaction, at the most fundamental level, includes one person who wants to sell and one person who wants to buy. Once the terms are agreed upon, ...