flooded home

Flood Zone Determinations Every property is in a flood zone. It is the flood hazard area designation that drives whether or not flood insurance will be required to get a mortgage. If your property is in Flood Zone X,  flood insurance will not be required. Flood hazard areas identified on the Flood Insurance Rate Map… [Read More]

Understanding A Real Estate Purchase Agreement

Purchase Agreement Drives the Loan Process

A purchase agreement is an essential step in the real estate process.  The purchase agreement outlines prices and terms for a real estate transaction.  The goal of the purchase agreement is to protect the buyer and to ensure that all expectations are clear and understood. While purchase agreements can vary from place to place, the one constant… [Read More]

Can’t They Just Trust Me? You Want More Documents?

home made of paper

Can’t They Just Trust Me? You Want More Documents? I promise to pay my mortgage back. Why do they keep asking for more documents? In the early 2000s that is exactly what the mortgage industry did- big trust and few documents. As a result, the American Dream of homeownership was realized by a record number of people. … [Read More]


Pet Ownership Is Beneficial

I am an animal lover!  So you can justifiably assume that I believe the benefits of pet ownership clearly outweigh the drawbacks.  It turns out that approximately 65% of U.S. households own a pet evidencing that about 85 million families agree with me. Here are some pros and cons to pet ownership. CONS OF PET… [Read More]