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About Brian Carpenter

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So far Brian Carpenter has created 84 blog entries.
4 02, 2016

Is it time to refinance with the current low interest rates

By |2020-02-19T10:57:55-06:00February 4th, 2016|Lending, News|0 Comments

While it may take some time to cross the break-even point, a refinance is a good idea if you are planning to stay put for awhile. Pros of refinancing your mortgage There has been a lot of buzz in real estate news lately due to continually decreasing mortgage rates. Low mortgage rates are not normal throughout financial history. Current rates are nearing historic lows. For historical data about mortgage rates, check out Freddie Mac archival data recorded since 1971. Mortgagors need to be give serious analysis to these low-interest conditions when they do occur. [...]

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22 01, 2016

USDA/RHS Rural Home Development Loan

By |2020-02-19T10:58:01-06:00January 22nd, 2016|Lending|0 Comments

Rural home development loan options Rural locations have a lot of financing flexibility for qualified buyers. USDA/RHS Rural Development Home Loan can provide an a great alternative to a conventional mortgage loan. Provided by the U.S. Department of Agriculture (USDA), USDA loans are mortgages guaranteed by the federal government. In fact, the overwhelming majority of the U.S. is eligible for USDA financing. Nearly one third of Americans live close to a property qualified for this program. Furthermore, this program includes single-family housing, multi-family housing, and community facilities programs. Home buyers must qualify for the loan program However, [...]

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22 10, 2015

How closing has changed, the “Know Before You Owe” initiative

By |2020-02-19T10:58:02-06:00October 22nd, 2015|Lending|0 Comments

Banking regulations shaping property condition disclosures New banking regulations will change the closing process for properties buyers. All mortgage lenders are required to use new consumer disclosure forms effective on Oct. 3, 2015. The changes merged the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form into two new closing forms: a Loan Estimate and a Closing Disclosure. Consumers will have more time to review the total costs of their mortgage prior to closing. The Loan Estimate form is due to consumers three days after they apply for a loan. The [...]

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24 07, 2015

Costly Home Seller Mistakes

By |2020-02-19T10:58:03-06:00July 24th, 2015|Selling Your Home|0 Comments

If you've been living in your home for more than a few years, it's likely that you can become very emotionally attached to your home. It's full of memories and sometimes, it's hard to leave the site where those memories originated. In this light, it becomes difficult to view your home as a commodity. However, you'll keep the memories forever regardless of the home. When it comes to selling, you need to make your home attractive for the next owner not yourself. For a smoother sales transaction that garners the most possible profit from your sale, avoid [...]

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