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Blog: Mortgage Information

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

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Testimonials

As a disabled-single woman, I was not knowledgeable in the business of real estate. A friend suggested I meet with Gary and talk about my real estate needs. I had a home to sell and wanted to buy a condominium. This was during the peak of selling time. Gary was quick to estimate the value of my home and get it on the market. He was very honest with me. Selling my home was the easy part, but replacing it with my special needs didn't look promising. I never lost confidence or faith in Gary as he was kind and diligent in every step of the process. After a month of patience and Gary's persistence, my home had a buyer and that same day Gary found the perfect condominium. He spent the rest of the night solidifying both transactions. He soothed my tears on selling my family home and made all the buyers and sellers happy at the same time. After all the dust settled, and everyone had moved, my realtor continued to check with me to see if I was happy with my purchase. With confidence, I will always recommend Gary as an upstanding man and realtor. To those who choose Gary as their realtor, be prepared for excellence. Cindy Farwell
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