First Time Home Seller
Most first time home sellers have no idea where or how to start the home selling process. It’s very important that first time home sellers understand what the home sale process entails, what costs are...
View ArticleInquiries: Losing Points On Your Credit Score
How many points does a credit inquiry make you lose? You all know this person, and if you don’t it’s probably because it’s you. The person who opens up their wallet or purse to see every store credit...
View ArticleSaving Money On A Gym Membership
Doug and Tammie review how to save money on a gym membership can lead to exercising good judgement. #1 Never ever ever ever sign a gym contract Gyms are like cell phone companies, you should never ever...
View Article5 Crucial Questions To Plan Your Mortgage
Has Your Mortgage Banker Committed Malpractice? I was fortunate that early in my career one of my mentors gave me some great advice: “prescription without diagnosis is malpractice”. That advice has...
View ArticleWhy You Need a True Mortgage PRO!
Advertising will often make consumers believe that they can walk into their local bank or call an online lender to get a mortgage. This may be fine as long as your situation is simple. However, a large...
View ArticleHow To Interview A Realtor When Selling Your Home
When selling your home, choosing the Realtor who will represent your best interests is one of the most important and one of the first steps in the process. Unfortunately, many sellers do not...
View Article8 Financial Tips For Young Adults
Personal finance has not yet become a required subject in high school or college. If it is available for you to take in your school, will you apply what you learn? You may be more focused on...
View ArticleThe Waiting Period After Foreclosure, Bankruptcy, or Short Sale
If you have lost your home through a foreclosure, short sale or bankruptcy and want to get another mortgage loan, you may be wondering how long you’ll have to wait. Your credit will take a hit after...
View ArticleBe On A Budget And Still Go Out With Your Friends
You and your friends may have shared a similar economic situation when you were kids or while you were in college, but now that you are adults, your incomes might diverge widely. Differences in...
View ArticleDiamond Approval: Beyond Pre-Approval
This market is an all-out war for buyers. Multiple offers over list price etc. A preapproval is worth about as much as a squirt gun. Our diamond approval is an armored tank. I don’t want to send...
View ArticleCelebrating Partnership by Alison Armstrong
We long for true partnerships in our romantic, family and workplace relationships, but are often met with resistance or, at best, reluctant support. Wouldn’t it be wonderful if creating the spirit of...
View Article25 Documents Required To Buy or Sell A Home
Mortgage and Real estate paperwork can be overwhelming. Simply put, buying or selling a home buries you in printed materials. So much for saving trees…. Some of the documents are obvious (W2s, bank...
View Article8 Lessons From The Book: The Richest Man In Babylon
Pay Ourselves First: “A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much more as you can afford. “ Did you ever wonder why the...
View ArticleSelling A Home To A Relative With John Niemann & Doug Haldeman
Generally, the Internal Revenue Service doesn’t care who you sell your house to. Whether it’s going to your son, your second cousin or a stranger, you’ll pay the same taxes and get the same treatment....
View ArticleSHORT SALES WITH KAYSER LAW FIRM
Short Sales are the “New Normal” for homeowners with mortgages. Without a negotiator you could be losing out on someone in your corner. Elizabeth Kayser and Ryan Hyde of Kayser Law Firm joins Doug...
View ArticleShould You Have a Mortgage During Retirement? Or Should I Rent?
As a natural transition in life is to retire one may ask the question: Should I have a mortgage during retirement? Is it better to own your home free and clear? Or are you better off using your nest...
View ArticleAre You Living House Poor?
One common problem that people run into is that they become house poor. What does this mean? You are house poor if you have no extra money to pay for emergencies, cover your expenses and save for the...
View ArticleManaging Money During Major Life Events
Are you getting married, divorced? Have you lost your job? How about a baby? or Buying your first home? We have put together some thought provoking ideas to slow you down and think how you can be...
View ArticleSurvival At Home: 45 Ways To Save Money
Doug and Tammie share a greate article from Survival at Home. It’s no secret that life is expensive. The bad news is, it gets more expensive every year. Inflation drives up the cost of living, gas...
View ArticleHome Buyer Checklist Once You Are Under Contract
Congratulations you are under contract! You have successfully negotiated a price and signed a contract on your new home. Now what? The contract to closing period can be one of the most stressful...
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