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You just put a Home Under Agreement what happens next | Home buying tips

August 29, 2012 By Leave a Comment

The Path to Home OwnershipWhat can go wrong now

The Home buying process can be stressful and the path can often be confusing but a good agent can help guide you through the rough waters and get you to the point of home ownership. Once you’ve found your dream home, negotiated the price and had your home inspection… the tough part begins.  The waiting process, where much can still go wrong, can be extremely stressful.

Don’t buy a new car or furniture

It’s important that you don’t do anything to change your financial picture…don’t go out and buy a new car or furniture!  Keep in touch with your lender and agent and be prepared to submit a ton of paperwork! Ultimately you will get to the closing and get the keys to your new home!

For some What Happens next video tips please watch these short videos

The Mortgage Application Process explained by Tammy Verani

Filed Under: General R.E. Information, Home Buyer tips Tagged With: , , , , , , ,

NH Real Estate Professionals Jay and Monika McGillicuddy


Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.
Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika

Prudential Verani Realty

603-926-3648 office

Mortgage Info | What is a Point? | Tammy Verani explains

January 13, 2012 By 2 Comments

Articles in this Series Mortgage Information

  1. Mortgage Pre Qualification Tammy Verani explains why it’s important
  2. Mortgage Broker | Banker or Lender | What’s the difference
  3. Mortgage Application Process | Tammy Verani explains the steps involved
  4. Note Rate vs. APR Tammy Verani Explains the difference
  5. Mortgage Info | What is a Point? | Tammy Verani explains

What is a Point?What is a point

What exactly is a point? We all know that a point is 1% of your  loan amount but did you know there are two kinds of points and what they mean to you?
We have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos explaining the mortgage process and this video is the fifth video in the series.

If you have any questions or suggestions for future videos please let us know and we’ll ask Tammy to cover that topic. We’d love to hear from you!

This short video tackles the topic of Mortgage Points

Tammy Verani can be reached via cell phone 603-505-5752 if you have any questions or want to meet with her to get pre-qualified for a home loan. If you’d like information about searching for that perfect home give us a call at 603-944-9172 or e-mail us by clicking this link>>> email Jay and Monika

Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.

Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika or call or text at 603-548-7728

Prudential Verani Realty

603-327-0246 office direct

603-926-3648 office

Previous in series
Filed Under: General R.E. Information, Home Buyer tips Tagged With: , , , , , ,

NH Real Estate Professionals Jay and Monika McGillicuddy


Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.
Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika

Prudential Verani Realty

603-926-3648 office

Note Rate vs. APR Tammy Verani Explains the difference

January 7, 2012 By 1 Comment

Articles in this Series Mortgage Information

  1. Mortgage Pre Qualification Tammy Verani explains why it’s important
  2. Mortgage Broker | Banker or Lender | What’s the difference
  3. Mortgage Application Process | Tammy Verani explains the steps involved
  4. Note Rate vs. APR Tammy Verani Explains the difference
  5. Mortgage Info | What is a Point? | Tammy Verani explains

Note RateWe have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos explaining the mortgage process and this video is the fourth video in the series. To watch the previous videos in the series please click here >>> Mortgage Pre Qualification    Mortgage Broker|Lender or Banker  The Mortgage Application Process

If you have any questions or suggestions for future videos please let us know and we’ll ask Tammy to cover that topic.

This short video tackles the often misunderstood topic of  Note Rates and APR.

Tammy Verani can be reached via cell phone 603-505-5752 if you have any questions or want to meet with her to get pre-qualified for a home loan. If you’d like information about searching for that perfect home give us a call at 603-944-9172 or e-mail us by clicking this link>>> email Jay and Monika

Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.

Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika or call or text at 603-548-7728

Prudential Verani Realty

603-327-0246 office direct

603-926-3648 office

Previous in series Next in series
Filed Under: General R.E. Information Tagged With: , , , , ,

NH Real Estate Professionals Jay and Monika McGillicuddy


Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.
Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika

Prudential Verani Realty

603-926-3648 office

Mortgage Application Process | Tammy Verani explains the steps involved

January 4, 2012 By 3 Comments

Articles in this Series Mortgage Information

  1. Mortgage Pre Qualification Tammy Verani explains why it’s important
  2. Mortgage Broker | Banker or Lender | What’s the difference
  3. Mortgage Application Process | Tammy Verani explains the steps involved
  4. Note Rate vs. APR Tammy Verani Explains the difference
  5. Mortgage Info | What is a Point? | Tammy Verani explains

Mortgage ApplicationMortgage Application Process | Tammy Verani explains the steps involved

We have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos explaining the mortgage process and this video is the third video in the series.  To watch the first video that Tammy did discussing the pre-approval process please click here >>>  Mortgage Pre Qualification or to watch the second in the series where Tammy talks about the differences between a mortgage broker-lender and banker click here >>>>  Mortgage Broker|Lender or Banker

Tammy Verani can be reached via cell phone  603-505-5752 if you have any questions or want to meet with her to get pre-qualified for a home loan.  If you’d like information about searching for that perfect home give us a call at 603-944-9172 or e-mail us by clicking this link>>>   email Jay and Monika

 

The Mortgage Application Process video explanation

 

Jay and Monika McGillicuddy, Southern NH and the Seacoast area real estate specialists.

Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.

Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika or call or text at 603-548-7728

Prudential Verani Realty

603-327-0246 office direct

603-926-3648 office

Previous in series Next in series
Filed Under: General R.E. Information, Home Buyer tips Tagged With: , , , , ,

NH Real Estate Professionals Jay and Monika McGillicuddy


Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.
Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika

Prudential Verani Realty

603-926-3648 office

Mortgage Broker | Banker or Lender | What’s the difference

January 2, 2012 By 3 Comments

Articles in this Series Mortgage Information

  1. Mortgage Pre Qualification Tammy Verani explains why it’s important
  2. Mortgage Broker | Banker or Lender | What’s the difference
  3. Mortgage Application Process | Tammy Verani explains the steps involved
  4. Note Rate vs. APR Tammy Verani Explains the difference
  5. Mortgage Info | What is a Point? | Tammy Verani explains

MortgageMortgage Broker | Banker or Lender | What’s the difference

I have asked Tammy Verani from RMS, Residential Mortgage Services Inc., to do a series of short videos explaining the mortgage process and this video is the second video in the series.  To watch the first video that Tammy did discussing the pre-approval process please click here>>>  Mortgage Pre Qualification

This video explains the differences between a mortgage broker, banker and lender and why understanding who you are working with is important. This is a question I get asked often so I know many of you are confused about the roles and potential limitations each of these may have.

Tammy Verani can be reached via cell phone  603-505-5752 if you have any questions or want to meet with her to get pre-qualified for a home loan.  If you’d like information about searching for that perfect home give us a call at 603-944-9172 or e-mail us by clicking this link>>>   email Jay and Monika

Tammy Verani Short Video

Jay and Monika McGillicuddy, Southern NH and the Seacoast area real estate specialists.

Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.

Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika or call or text at 603-548-7728

Prudential Verani Realty

603-327-0246 office direct

603-926-3648 office

Previous in series Next in series
Filed Under: General R.E. Information, Home Buyer tips Tagged With: , , , , , , , ,

NH Real Estate Professionals Jay and Monika McGillicuddy


Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.
Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika

Prudential Verani Realty

603-926-3648 office

Mortgage Pre Qualification Tammy Verani explains why it’s important

December 28, 2011 By 5 Comments

Articles in this Series Mortgage Information

  1. Mortgage Pre Qualification Tammy Verani explains why it’s important
  2. Mortgage Broker | Banker or Lender | What’s the difference
  3. Mortgage Application Process | Tammy Verani explains the steps involved
  4. Note Rate vs. APR Tammy Verani Explains the difference
  5. Mortgage Info | What is a Point? | Tammy Verani explains

Pre QualifiedPre-Qualification – Tammy Verani explains why it’s important

As a NH REALTOR it’s important for us to know whether or not a home buyer is pre-qualified or per-approved for a mortgage loan before we start looking at homes for a few good reasons.

Guessing equals a waste of time and money

1.   If you guess at what you can afford and then find out later that you can’t afford what you thought you could, it will be hard for you to find anything you like when lowering your price range. You’ll always compare everything to the homes in the higher price range. This can be very disappointing, a waste of money and a total waste of your time. Your wants-needs and desires may not match your budget and it’s better to know that before you start looking.

2.   You will be in a lot better bargaining position if you can provide the seller with documentation showing that you are able to purchase. This is crucial especially if in a multiple offer situation… and yes we do still have some multiple offer situations.  Having a solid pre-qualification or pre-approval can make the difference between getting your dream home or not.

Getting pre-qualified is pretty easy

Getting pre-qualified is pretty easy and I have asked Tammy Verani from RMS, Residential Mortgage Services Inc to explain the process in this short video. Tammy will be doing a series of short videos covering the mortgage process. Tammy can be reached via cell phone  603-505-5752 if you have any questions or want to meet with her to get pre-qualified for a home loan.  If you’d like information about searching for that perfect home give us a call at 603-944-9172.

Mortgage Pre Qualification Video by Tammy Verani

Jay and Monika McGillicuddy, Southern NH and the Seacoast area real estate specialists.

Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.

E-mail Jay and Monika or call or text at 603-548-7728

Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

Prudential Verani Realty

603-327-0246 office direct

603-926-3648 office

Next in series
Filed Under: General R.E. Information, Home Buyer tips Tagged With: , , , , , , , ,

NH Real Estate Professionals Jay and Monika McGillicuddy


Jay and Monika McGillicuddy, covering southern NH and the Seacoast area. If you’re thinking of selling or buying a southern NH or Seacoast area home give us a call…we’d love to help make your home ownership dreams come true.
Jay and Monika McGillicuddy, NH REALTORS

603-944-9172 direct

E-mail Jay and Monika

Prudential Verani Realty

603-926-3648 office