A recent CNBC report reveals a startling reality: while most people believe they need an average of $1.3 million saved for retirement, the actual savings for many individuals hovers around a mere $89,000. This significant shortfall is likely to force people into extending their working years or facing an uncertain retirement. However, there is a […]

Securing a mortgage the usual way can often be a challenging process for aspiring homeowners or real estate investors. However, an emerging trend in the mortgage industry is providing hope to individuals in such situations. The introduction of 90% loan-to-value (LTV) bank statement programs has opened doors for borrowers to achieve their homeownership dreams. In

In today’s robust buyer’s market, with a wide array of housing options and stable interest rates, many aspiring homeowners are eager to make their dream of owning a home a reality. However, traditional mortgage products may not accommodate everyone’s unique financial circumstances. This is where Non-QM (Non-Qualified Mortgage) programs come into play. Non-QM offers a

Understanding how contingencies empower home buyers in today’s market is crucial. Contingencies are contract clauses that allow buyers to back out or negotiate repairs based on conditions. They provide safety nets, protection, and flexibility throughout the homebuying process. Let’s explore the importance of contingencies in today’s buyer’s market, their benefits, and when it’s safe to

The market is known to fluctuate between favoring buyers or sellers in the realm of real estate. This article focuses on understanding buyer’s market, where buyers hold a stronger position than sellers. Prospective home buyers can make informed decisions and maximize their purchasing power by grasping the dynamics of a buyer’s market. What is a