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1. What Is APR and Why Should You Care?
(Website Articles/Buyer Information)
The annual percentage rate or APR is required by the Federal Truth in Lending Law in an effort to present borrowers with an accurate depiction of the cost of a loan. It is designed to aid consumers in

2. 2009 Home Buyer Tax Credit
(Website Articles/Buyer Information)
... and then claim this amount on Line 69 of their 1040 income tax return. No other applications or forms are required, and no pre-approval is necessary. However, you will want to be sure that you qualif...

3. How To Buy HUD Foreclosure Homes
(Website Articles/Buyer Information)
...in the MLS search on my website http://www.raleigh-real-estate.biz DO NOT REGISTER WITH A SITE THAT REQUIRES A FEE TO VIEW HUD LISTINGS! Advantages of purchasing a HUD home? There are m...

4. USDA No Money Down, 100% Financing, Mortgage
(Website Articles/Buyer Information)
...a USDA loan.  Just about the only 100% options area VA and USDA. There are certain eligibility requirements that must be met in order to obtain a USDA loan.  Some of the eligibility s...

5. North Carolina Real Estate Buying Process
(Website Articles/Buyer Information)
... for your earnest money (we suggest that this be for 1% of your offer). The other, which may or may not be required, is for the Option Period. This is the amount of time you are asking the seller to t...

6. Moving Expense Deductions
(Website Articles/General Information)
... even increased.  This distance test is also waived if the taxpayer, as a condition of employment, is required to live in a certian location.  This may be the case for certain law enforcemen...

7. FHA Loan Changes and HR 3221
(Website Articles/General Information)
... increases to 3.5%.  Home Buyers have until the end of the year to purchase under the 3% down payment requirement.   Sellers can pay actual closing costs once the buyer meets the minimu...

8. FHA Changes Mean More Downpayment
(Website Articles/Buyer Information)
...?  FHA loans are one of the few mortgage products still available with relatively modest down payment requirements.  That will change somewhat on January 1, 2009. Currently, FHA regulat...

9. Seller's Disclosure
(Website Articles/Seller Information)
North Carolina General Statute 47E requires you to fill out a property disclosure statement when you sell your property. Click on the "Property Disclosure Statement" link to review

10. Credit Score Truths and Myths
(Website Articles/Buyer Information)
...d challenge it. Details on how to challenge will be sent you with your credit report. The credit bureau is required to begin investigating the issue within 5 business days. They are held to this actio...

11. Prequalified vs Preapproved
(Website Articles/Buyer Information)
...sp; When all documentation requested has been supplied to your loan officer, it is reviewed, placed in the required order, and only then delivered to an underwriter.  The underwriter will again v...

12. Why do I need a Home Inspection?
(Website Articles/Buyer Information)
...es, temperature, etc., only on the home. What does an inspection include? The home inspector is required to observe readily visible and accessible installed systems which include: structur...

13. Things Not to Do Before Purchasing a Home
(Website Articles/Buyer Information)
...awals in some of them. The mortgage underwriter (the person who actually approves your loan) will probably require a complete paper trail of all the withdrawals and deposits. You may be required to pr...

14. Working with North Carolina Real Estate Agents
(Website Articles/General Information)
...bull; helping you price your property • advertising and marketing your property • giving you all required property disclosure forms for you to complete • negotiating for you the best po...

15. Beware This Check Fraud Scam
(Website Articles/General Information)
...f you called the bank to confirm that the account exists, you might be mislead. And because banks are required by law to make available the funds on certain check deposits within two to five days...

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William "Art" Sexton
Northside Realty
4701 Creedmoor Road, Ste 105
Raleigh, NC 27612
Mobile: (919) 696-3302
Info@Raleigh-Real-Estate.biz
www.Raleigh-Real-Estate.biz