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Many people go through life thinking that they could never buy a home. Maybe they think they can't afford it, or they think that their credit isn't good enough. Perhaps the whole process of buying a home is just so daunting and complicated that they wouldn't even think of dreaming of home ownership.

When shopping for a home, you may notice that certain listings are labeled as short sales, short pays or pre-foreclosures. All of these terms mean the same thing: the seller is upside-down on his or her mortgage and is attempting to negotiate a deal with the lender in the hope of avoiding foreclosure.

A foreclosure occurs when a property owner cannot make principal and/or interest payments on his/her loan, typically leading to the property being seized and sold. The foreclosure process is not very difficult to understand. There are several stages during which the homeowner...

Most sellers today are nervous and unsure. They wonder: is taking a loss on our house inevitable?
The answer is no! A strategic sales plan, coupled with a smart buy in your new location will ensure that you recoup the maximum value for your home.

A short sale is where the sales price of the property is less than what the seller still owes and the lender is willing to accept less than they are owed.

Why would a lender agree to a short sale? Mortgage lenders are in the business of making loans not owning property.

Re-arrange your furniture, pick a soothing color palette, clear out the family photos, and your home will sell faster, and for more money. Sound too frou-frou to be true?

It's not! The soft and decorative side of staging is backed by hard facts.

Tips you may considerer on your rental process

Read the lease or rental agreement carefully before you sign or put money down. Ask about anything you do not understand. Look for hidden charges or penalties. If you sign the lease, you may be stuck paying those charges.

All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature. 

Mortgage lending has changed tremendously since the financial and housing collapse of 2007-08. At the height of the housing bubble, traditional mortgage lending guidelines were bent, if not broken, to allow people with little to no documented income to get loans.