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Seleccione una de las preguntas más frecuentes a continuación para obtener más información acerca de la compra, venta y alquiler de propiedades inmobiliarias. Además, comenzar a pensar en las cosas importantes a considerar cuando se bucea en su búsqueda de bienes raíces.

Preguntas acerca de la venta

¿Puede un hogar pierden valor?

En general, la propiedad real nunca se deprecia en valor, o más aún, no es muy común que la propiedad se deprecie. Esto es por eso que es una gran inversión. Asegúrese de considerar cuidadosamente la ubicación y la comunidad al momento de elegir una casa, puede afectar a los hogares valor futuro en gran medida.

Si se encuentra en una zona de nuevo desarrollo, hacer una investigación sobre la construcción de las áreas circundantes siendo desarrollado para determinar si pueden afectar a su valor de los hogares.

Una casa vieja tiene tan buen valor como una casa Nueva?

Esto es realmente sólo una cuestión de preferencia, pero las dos casas más nuevas y más viejos ofrecen ventajas distintas, dependiendo de su sabor único y estilo de vida.

Las casas más viejas pueden generalmente cuestan menos que los nuevos hogares, sin embargo, hay muchos casos en los que las nuevas viviendas también pueden costar menos hogares luego de más edad. La mayoría de las casas nuevas no tendrán ningún ajardinar del patio trasero y algunos no incluir cualquier paisajismo frontal tampoco. Con una casa antigua, el paisaje es normalmente ya se ha completado y podría tener de miles de dólares en el paisajismo hecho, que se incluye en el precio de compra.

Los impuestos sobre algunas casas antiguas también pueden ser más bajos. Algunas personas están encantados por la elegancia de una casa antigua pero evitan porque están preocupados por los posibles costes de mantenimiento. Considere una garantía de la vivienda para obtener la tranquilidad que se merece. Un buen plan de garantía de la casa le protege contra reparaciones imprevistas en muchos sistemas domésticos y aparatos de todo un año o más después de mudarse.

En una nueva casa, usted puede escoger sus propios esquemas de color, suelos, armarios de cocina, electrodomésticos, cableado personalizado para televisiones ‘, eléctricos, ordenadores, teléfonos y altavoces, etc., así como tener más opciones de actualización. características modernas como salas de medios, armarios extra grandes y baños extra grandes y bañeras también son más asequibles en la construcción de la planta hacia arriba. En una vivienda usada, que se basan en gran medida de los gustos del «residente anterior y caprichos tecnológicos, a menos que pretenda cultivar miles en una remodelación y nuevo cableado.

diseñadores de casas nuevas se pueden utilizar nuevos materiales de construcción tales como acristalamiento Energy Star, un aislamiento más grueso y otras tecnologías que reduzcan los costos futuros de energía para el propietario. La mayoría de los estados tienen requisitos mínimos de eficiencia energética para la nueva construcción. Las cocinas y áreas de lavandería en casas nuevas están diseñadas para albergar aparatos más eficientes de ahorro de energía. Las casas más viejas, a menos que hayan sido sometidos a un acondicionamiento de energía, por lo general cuestan mucho más por pie cuadrado de aire acondicionado y el calor.

Los constructores tienen que seguir reglas muy estrictas en nuevas Casas y adiciones, especialmente en el oeste y noroeste, donde se deben observar las normas de seguridad contra terremotos. En general, las nuevas casas son generalmente más flexibles y mejor prueba de incendios de nuevos sistemas de seguridad y de puertas de garaje.

Las casas más viejas pueden ser juzgados mejor por su calidad y belleza eterna. Las nuevas viviendas que ahora poseen una chapa lisa podrían revelar el uso de materiales de construcción de calidad inferior o trabajo de mala calidad con el tiempo.

Como se puede ver, hay ventajas y des-ventajas para cada uno, pero que realmente se reduce a lo que le queda y lo que está buscando en un hogar.

¿Qué es un corredor?

Un agente que está autorizado para abrir y ejecutar su propia agencia. Todas las oficinas de bienes raíces tienen un corredor director.

¿Cuál es la diferencia entre ser precalificado y preaprobado para un préstamo?

Si está pre-clasificado esto significa que usted podría potencialmente obtener un préstamo por la cantidad indicada para usted, suponiendo que toda la información que proporcione al banco es correcta y verdadera. Esto no es tan fuerte como una pre-aprobación.

Si está pre-aprobado, significa que se ha sometido la amplia verificación de antecedentes financieros, que incluye la averiguación de su historial de crédito, declaraciones de impuestos anteriores y verificar su empleo – y el prestamista está dispuesto a darle un préstamo, básicamente, lo que significa que eres ¡aprobado!

Por lo general, proporcionará una cifra exacta que muestra la cantidad máxima que se aprueba su solicitud. La mayoría de los vendedores prefieren los compradores que han sido previamente aprobados, porque saben que no habrá ningún problema con la compra de su casa.

What is title insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

Can I pay my own taxes and insurance?

When a loan is originated, the mortgage documents specify the escrow conditions. This has become a standard practice for all mortgages, including FHA, VA and conventional mortgages.  Occasionally on conventional loans, FRFCU waives the collection of escrow requirement at closing if the member has a minimum 20% equity position in the property.

How can I avoid private mortgage insurance?

The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.

These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.

While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.

How is interest calculated on a mortgage loan?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Is there a minimum credit score?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

What benefits do I receive from private mortgage insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

What do I do if I receive a tax statement?

Many tax authorities will mail an informational copy of the real estate tax statement to the homeowner in addition to the Credit Union.  However, there are some statements tax authorities do not forward to the credit union, and in special cases we will need your assistance in obtaining the bill. If you receive a statement for any of the following, please forward it to our office by mail or fax.

  • delinquent real estate taxes
  • supplemental or additional real estate taxes
  • special assessments
  • if the tax authority will not honor a bill request from another party.

How long does the loan process take?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Question about renting

How long does the loan process take?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

How can I avoid private mortgage insurance?

The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.

These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.

While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.

What do I do if I receive a tax statement?

Many tax authorities will mail an informational copy of the real estate tax statement to the homeowner in addition to the Credit Union.  However, there are some statements tax authorities do not forward to the credit union, and in special cases we will need your assistance in obtaining the bill. If you receive a statement for any of the following, please forward it to our office by mail or fax.

  • delinquent real estate taxes
  • supplemental or additional real estate taxes
  • special assessments
  • if the tax authority will not honor a bill request from another party.

What benefits do I receive from private mortgage insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

How is interest calculated on a mortgage loan?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Can a home depreciate in value?

Generally, real property never depreciates in value, or more so, it is not very common for property to depreciate.  This is why it’s a great investment. Make sure you carefully consider location and community when choosing a home, it can effect the homes future value greatly.

If you are in a newly developed area, do some research on the construction of the surrounding areas being developed to determine if they may effect your homes value.

Is an older home as good a value as a new home?

This is really just a matter of preference, but both newer and older homes offer distinct advantages, depending upon your unique taste and lifestyle.

Older homes can generally cost less than new homes, however, there are many cases where new homes can also cost less then older homes. Most new homes will not have any backyard landscaping and some don”t include any front landscaping either. With an older home, the landscaping is normally already completed and could have 10”s of thousands of dollars in landscaping done, which is included in the purchase price.

Taxes on some older homes may also be lower. Some people are charmed by the elegance of an older home but shy away because they”re concerned about potential maintenance costs. Consider a home warranty to get the peace of mind you deserve. A good Home Warranty plan protects you against unexpected repairs on many home systems and appliances for a full year or more after you move in.

In a new house, you can pick your own color schemes, flooring, kitchen cabinets, appliances, custom wiring for TV”s, electrical, computers, phones and speakers, etc., as well as have more upgrade options. Modern features like media rooms, extra-large closets and extra-large bathrooms and tubs are also more attainable in ground-up construction. In a used home, you rely largely on the previous resident”s tastes and technological whims, unless you plan to farm thousands into a remodeling and rewiring.

New-home designers can use new building materials such as glazed Energy Star windows, thicker insulation and other technology that will lower future energy costs for the owner. Most states now have minimum energy-efficiency requirements for new construction. Kitchens and laundry areas in new homes are designed to house more efficient energy-saving appliances. Older homes, unless they have undergone an energy retrofit, usually cost much more per square foot to air-condition and heat.

Builders have to follow very strict guidelines in new-homes and additions, especially in the West and Northwest, where earthquake safety standards must be observed. In general, new homes are usually more fire-safe and better accommodating of new security and garage-door systems.

Older homes can be better judged for their quality and timeless beauty. New homes that now possess a smooth veneer might reveal the use of substandard building materials or shoddy workmanship over time.

As you can see there are advantages and dis-advantages to each, but it really comes down to what fits you and what you are looking for in a home.

What is a broker?

An agent who is authorized to open and run his/her own agency. All real estate offices have one principal broker.

What is the difference between being prequalified and preapproved for a loan?

If you’re prequalified it means that you POTENTIALLY could get a loan for the amount stated to you, assuming that all of the information you provide to the bank is accurate and true. This is not as strong as a preapproval.

If you’re preapproved, it means that you have undergone the extensive financial background check, which includes looking at your credit history, previous tax returns and verifying your employment – and the lender is willing to give you a loan, basically meaning you’re approved!

You will usually be provided an accurate figure which shows the maximum amount that you are approved for.  Most sellers prefer buyers that have been preapproved because they know that there will not be any problems with the purchase of their home.

What is title insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

Can I pay my own taxes and insurance?

When a loan is originated, the mortgage documents specify the escrow conditions. This has become a standard practice for all mortgages, including FHA, VA and conventional mortgages.  Occasionally on conventional loans, FRFCU waives the collection of escrow requirement at closing if the member has a minimum 20% equity position in the property.

Is there a minimum credit score?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.