Team Annett

Ok, so it appears that my old post from 2010 on the Welcome Home Grant is still getting the bulk of the traffic from search engines!!! – So I hope this one finds everyone just as well because like any program there are some slight changes this year. Read on and email me at lindsay.shapiro@cbws.com with questions!

read more »

More than ever, you should make sure you know what is on your credit report – and the steps that should be taken if improvement is needed. One thing that many people do not know is that The Home Equity Line of Credit (HELOC) can impact your credit score quite significantly and sometimes unfairly.

read more »

There are several reason’s why a closing may not occur on time, or even at all. Here are some of the main obstacles that may delay your deal:

read more »

Did you know that most lenders pull your credit report a couple of times during the loan process? Keep in mind that they typically pull a new credit report prior to closing the loan, and if your credit scores have dropped, you may no longer qualify for the rate or program that you are attempting to get. Credit scores are very important as all lenders qualify you by your credit score as to which criteria you fit and every loan has different criteria attached. The loan to value, the debt to ratio and so on, etc.

read more »

Article below is from 2011 – for a more updated approach to the 2012 Welcome Home Grant, click here to see updated details.

read more »

Two years in the making — the federal government will be reducing their involvement in the mortgage market. Both Fannie Mae and Freddie Mac will wind down within as little as five years.

read more »

Although the Homebuyer Tax Credit expired for most customers this past summer, it is still available for members of the military who have served outside the U.S. for at least 90 days between January 1, 2009 and May 1, 2010. Details are as follows:

read more »

Is 2011 your year to become a homeowner? Most people who choose a New Year’s resolution typically pick a goal to achieve or habit to break, but 2011 may be the year that they resolve to buy their first home.

read more »

Locally, the public has 49% more home buying power than the nation, when you factor in (1) the median home price, (2) monthly mortgage payment, and (3) median annual income. Cincinnati wins in all three categories from a nationwide third quarter 2010 study shown below.

read more »

I learned about a new product recently that makes so much sense yet it is only offered by one bank in Cincinnati. It is called Pre-Purchase Rate Protection, by Coldwell Banker Home Loans. What is does:

read more »