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    By Carla Higgins | October 25, 2017

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    Debt Relief May Trigger Tax

    By Carla Higgins | October 24, 2017

    The Mortgage Debt Forgiveness Act, originally passed in 2007, was extended three times to protect homeowners from paying income tax on debt that was relieved due to foreclosure, short sales or deed in lieu of foreclosure. The law expired on December 31, 2016 and unless it is extended again, homeowners with debt relief in 2017 … Continue reading Debt Relief May Trigger Tax → Read More

    Indecision is Not a Decision

    By Carla Higgins | October 17, 2017

    There could be some legitimate reasons for not buying a home but indecision is not one of them. Indecision is rooted in not having enough information to move forward to own a home or continue renting. If you keep renting, at the end of the year, you have had a place to live and a … Continue reading Indecision is Not a Decision → Read More

    Risk Rate Relationship

    By Carla Higgins | October 10, 2017

    Regardless of what a lender quotes on mortgage rates, the actual rate a borrower pays is based on a number of variables. Lenders determine whether to loan money and at what rate based on the risk involved with the transaction. Factors that increase the risk that the loan will be repaid will proportionately increase the … Continue reading Risk Rate Relationship → Read More

    Pre-approval is Good for Everyone

    By Carla Higgins | October 3, 2017

    Buyer’s mortgage pre-approval is good for everyone in the transaction. It saves time, money and removes the uncertainty of knowing whether the buyer will be qualified after negotiating a contract. The direct benefits include: Looking at “Right” homes – price, size, amenities, location Find the best loan – rate, term, type Uncover credit issues early … Continue reading Pre-approval is Good for Everyone → Read More

    Pay Off Your Mortgage?

    By Carla Higgins | August 30, 2016

    Becoming debt free is as much a part of the American Dream as owning a home but there certainly can be conflicting circumstances that make the decision to pay off your mortgage early unclear. The advantages of paying off debt early is increased cash flow, less interest paid and a higher credit score. The disadvantages … Continue reading Pay Off Your Mortgage? → Read More

    Two Negotiations

    By Carla Higgins | August 23, 2016

    There are two negotiation periods in some home sales. The primary negotiation takes place when the contract is agreed upon that includes the price, closing and possession. Buyers and sellers alike feel relieved once this first round has resulted in an agreement but there may be more negotiations to come if there are contingencies for … Continue reading Two Negotiations → Read More

    Ready for Retirement?

    By Carla Higgins | August 16, 2016

    It’s surprising to realize that most people spend more time planning their next vacation or cell phone purchase than they do on their own retirement. Let’s look at a hypothetical situation where you have $35,000 to invest for your retirement in 15 years. Have you compared where you might have the best opportunity? The safest … Continue reading Ready for Retirement? → Read More

    Avoid Wasting Time

    By Carla Higgins | August 9, 2016

    “If you waste my time, don’t expect me to hang out with you very long.” This could have been said by a buyer or seller or a real estate agent. Time is valuable and no one wants to waste their time. Most people can’t put their lives on-hold while they’re trying to buy or sell … Continue reading Avoid Wasting Time → Read More

    Picture This!

    By Carla Higgins | August 2, 2016

    Listing photos may be one of the most important marketing efforts that lead to a potential buyer. Nearly, all buyers use the Internet during the home search process. They usually start looking at homes online before they contact an agent. It’s far more efficient to screen properties by looking at the pictures that have been … Continue reading Picture This! → Read More

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