Real Estate Insider Blog

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Best FHA Loans of 2018

By U.S. News Staff

For most Americans, the purchase of a home is made possible with a mortgage. However, saving a 20 percent down payment is an unattainable goal for many would-be buyers in areas with high home prices. Compounding the challenge are strict underwriting requirements, including some that were put into place to protect the housing market from a crash. Underwriting is the process mortgage lenders use to determine whether to approve a loan, based on the borrower’s risk profile.

The Federal Housing Administration, or FHA, loan program was created to help Americans buy homes following the Great Depression, and it remains a popular choice for people who need an affordable mortgage option. FHA loans are a popular solution because they allow for smaller down payments, while also resolving some of the underwriting challenges borrowers face. FHA mortgages are made by lenders and insured by the Federal Housing Administration, a U.S. government agency. With a government guarantee, the lender can offer more flexibility in its underwriting requirements, including credit guidelines and the size of the down payment.

“If a borrower has good credit but limited cash on hand, other government-backed loans are available for less money down,” says Stephen Moye, senior loan officer for Citywide Home Loans. “For a borrower with a bankruptcy, foreclosure or other credit issue, the FHA loan has a much lower barrier to entry.”

This guide ...

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Dog Etiquette For Being A Great Dog-Owning Neighbor


You love your dog, and firmly believe them to be the greatest boy (or girl) to have ever lived. This bond is one of the greatest joys of having a dog. However, when enjoying the company of your best friend, it is important to make sure you are not being a nuisance to those living around you.

Keep Them In

Your first task should be to make sure that your dog cannot run off into a neighbor’s yard. Install a fence around your backyard, and make sure it is high enough that your pup can’t jump over it. According to HomeAdvisor, it costs around $1,699 - $3,988 to install a fence, depending on size and material. This may seem like a big investment, but it is a necessary one in order to be respectful of other people’s property and boundaries.


Find Out Their Barking Patterns

It’s a common story: owners think their dogs are perfect, quiet angels, just to find out that their pet has been barking and howling incessantly when they are away. Petfinder has a detailed list of common barking behaviors in dogs, and the best types of training to curb them. A good tip is to prepare an exceptional treat or toy by marking it with your scent and giving it to them before you leave. This can make the absence bearable, and serve as a distraction.


Clean Up After Them

This should go unsaid. Clean up their messes on the street, and do your part to keep the neighborhood clean and poop-free. This is not only a...

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5 tips when making your first real estate investment

Real estate investment is considered one of best ways to achieve a steady income. According to a Bankrate national survey, Americans consider real estate to be their most favorite way to invest money not needed for a decade.

Whether you’re a real estate agent or investor, getting into the investing game is a challenge that needs careful consideration, especially in the beginning.

There are many different types of real estate investments. Each has its benefits and drawbacks, but as long as you do your research, you will be able to secure your stability.

But before you take the first steps toward real estate investment, here are some tips to remember.

How to decide on a property

As an investor, it’s critical to work with the right people to capitalize on investment properties. An agent’s professional awareness about value, location and ROI of the property determines if the investor will make or lose money.

Whether you choose to work with another agent or go it alone — do your homework.

Look at 100 properties. Conduct extensive sessions and look at each property carefully.

Looking at multiple investment properties in all sorts of areas allows you to get a better understanding of the worth of different properties. Doing so will also ensure that you buy a property with a high market resale value, which will consequently move you toward your financial goals.

Many successful property investors use the...

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The last two years have seen the U.S. real estate market gain a remarkable amount of traction, surprising optimists and naysayers alike. Several important metro housing markets made impressive strides in 2017, confounding skeptics who predicted that runaway housing prices in some major cities would lead to diminished interest from prospective home buyers. Commercial construction meanwhile continues unabated in several regions of the country. In this commentary we'll look at the drivers behind the strength. I'll also explain why I believe 2018 will be the big coming out party for the real estate sector.

One of the reasons why real estate is a shoe-in for having a blowout year in 2018 is actually product of its recent success - namely, the forward momentum it has generated in recent years. The fact that most major metropolitan property markets have generated enough forward momentum in both construction and sales activity virtually guarantee a strong performance next year. The same could also be said of other markets, such as equities. Yet the stock market, unlike real estate, can reverse its forward momentum much faster which means one can never assume that a strong momentum market in the current year will necessarily translate into a stronger market the next year.

That said, contracts for developing properties are signed well in advance of the actual building, which in part explains the lagging nature of real estate trends. Due to the nature of real estate, the...

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