Good Credit is Key
Buying a Home Involves More Than a Down Payment

Buying a house is more involved than just scraping enough together to make a down payment. First, prospective homebuyers should educate themselves about their credit.
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Smart Design
Here's How To Make Your House a Home

Most of today's home designs provide residents with lists of amenities and plenty of space. They are, however, sorely lacking in helping families cultivate emotional, psychological, and spiritual well-being.
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Money Matters
It's Vital to Understand Your Mortgage Options

Determining the best deal on a mortgage rate can be tricky due to the various point and interest-rate configurations. There is no simple rule to figure out the best deal. However, consumers who are willing to do a little calculating can land the best mortgage for their particular needs.
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Your Next Home
Is the Condo Lifestyle for You?

Condominium living in Florida is perhaps the best-regulated and most healthy community of its kind. Despite its rising popularity in that state and others, however, the condo lifestyle may not appeal to everyone.
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Do It Right
A Home Office Doesn't Mean a PC on the Dining Room Table

Many entrepreneurs who start businesses from their living rooms soon realize that they have difficulty separating their personal lives from their work lives.
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Mortgage Insurance
More Down Payment Means Less Financing Cost

Homebuyers who are unable to make a 20-percent down payment will be required by their lender to obtain private mortgage insurance (PMI). Such premiums can prove quite costly, especially when tacked onto the cost of monthly mortgage payments.
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House-Hunting
You Can Find a Home For All Ages

Universal design is becoming more mainstream in today's new homes. This approach to building ensures that the occupants of a house can live comfortably, no matter what stage of life they are in.
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Vintage Housing
Call an Expert to Inspect Your Older Home

Because the first Uniform Building Code was not drafted until 1927, homes built before that date were constructed largely under the standards of the individual builder. So be careful when considering the purchase of a home that old.
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Title Problems
Knowing About Insurance is Always a Good Policy

An issuance of title insurance usually entails one policy for the lender and one for the borrower. The policy for the mortgage lender exists so that the institution is protected in the event that the mortgage becomes unenforceable and payments are no longer forthcoming from the borrower.
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Don't Go It Alone
Plenty of Agents to Go Around for Buyers and Sellers

With more than 1 million licensed real estate agents in the United States, homebuyers and sellers have the pick of the litter when looking for representation. Without an agent, though, sellers have to price, market, show, and negotiate the transaction.
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Finance Choices
Reverse Mortgages Can Move the Buying Process Forward

Although the conventional use of a reverse mortgage is to provide seniors with monthly income for home improvements or medical and personal needs, more and more elderly consumers are using this type of loan to purchase a retirement home.
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Money Matters
Use Debt-Income Formula To Judge What You Can Afford

Mortgage lenders use debt-to-income ratios to approve or deny financing for a home. This longstanding formula allows buyers to borrow up to 28 percent of their gross monthly income to cover a mortgage and taxes and up to 36 percent of their gross monthly income for total debt.
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