1. Start off right as a Home Buyer

  • What's the first step to buying a home? [video]

  • For how much can I qualify for? [video]

  • First time home buyer: Are you financially ready to buy a home?

  • How much house you can afford in less than 5 minutes!

  • How to apply for a mortgage: documentation checklist ✓

2. Getting Pre-Approved

  • Why all home buyers need a pre-approval letter before shopping.

  • Should you get pre-qualified or pre-approved? what's the difference? [video]

  • How long does it take to get pre-approved for a mortgage? [video]

  • How long does pre-approval for a mortgage last?

  • What are your chances of mortgage approval? your down payment and credit score make a big difference.

 

3. Finding a Lender

  • Four types of mortgage companies: Which will give you the "best deal"?

  • What to look for in a mortgage company.

  • Which is better? A mortgage broker or a bank?

4. Out-of-Pocket Costs

  • How much down payment do you need for a house?

  • How to save for a house: The complete guide.

  • Buying a house without a lot of cash

  • Down payment gifts: How to give and receive a cash down payment gift for a home.

  • Earnest money check, down payment and closing cost: When are they due?

  • Guide to mortgage closing costs: Average closing costs and how to keep yours low.

  • The lowdown on down payments grants

  • Complete guide to down payment assistance in the USA.

5. Mortgage 101: The basics

  • First-time home buyers guide: The basics of a mortgage

  • Simple mortgage definitions: Loan-to-Value (LTV)

  • Simple mortgage Definitions;Debt-to-income (DTI)

  • Explaining mortgage discount points in plain English.

  • Plain English guide to terms you'll hear from your loan officer.

  • Mortgage 101 by Realtor.com                         [ additional Video series]

6. Which type of Mortgage is Best for Me?

  • Comparing home loans: Which one is best for me?

7. Hiring a Real Estate Agent

  • Do I need a real estate agent to buy a home?

  • Hiring a real estate agent when you buy a home: Avoid these mistakes.

  • Dual Agency can cost you: Beware of "double agents" when buying a home.

  • How much do real estate agents make? And how pays?

  • Discount brokers: Do they really provide 1 percent rebates to buyers?

  • You want to fire your real estate agent. Can you do that?

8. How to find the Right Home

  • First-time home buyers guide: Finding the perfect house.

  • Buying a home: How do you know that you're getting a good house?

  • Safe neighborhood: How to check it out before buying a home.

  • Considering a home with a long commute? Don't drive yourself crazy.

  • Open Houses: What's their role in the home buying process?

  • How to buy a short sale home.

  • Complete guide to building a house.

9. Types of homes

  • Different type of homes: Pros and Cons.

  • House vs Condo: Which one should I buy?

  • Condo rules: Warrantable vs non-warrantable. 

  • Manufactured home? Get a loan.

  • Multifamily: Could your house pay for itself?

10. Making an Offer

  • 7 Mistakes when making an offer.

  • Texas real estate contract or purchase agreement.

  • Now what? My offer was accepted! [video]

  • Real estate contingencies, what are they?

  • Can the sellers pay for your Closing Cost?

  • Risks to look on the real estate purchase agreement. 

  • What does it mean when I get a counter offer?

  • How to choose the right closing date.

  • how to get out of a Real Estate contract.

  • How do terminate my offer to buy a home?

11. Get a Home Inspection

  • Home Inspection: What does the home inspector do and Why should I get one?

  • A Home Inspection is a MUST for every home buyer.

  • Inspection Checklist: What to expect on inspection day?

  • What is IN a home Inspection Report?

  • Important systems to look in the Home Inspection.

  • Ugly Home Inspection? Home Needs Repairs? Should I terminate the contract? What options do you have? 

12. Mortgage Rate and Lock

  • What is a mortgage rate lock?

  • When should you lock your mortgage rate?

  • How to shop for a mortgage and compare mortgage rates?

  • Should I accept your first mortgage rate quote?

  • Five ways to get a lower mortgage rate.

13. Submit the remaining application items to lender.

  • Bank statements: 3 things lenders don't want to see!

  • Credit Report: When should you authorize (or not authorize) to get your credit pulled?

  • HomeOwner Insurance: What covers? And why does your lender requires it?

14. The appraisal

  • What is it? and Why do we need one?

  • FHA Appraisal.

  • Appraisal or Lender repair requirements for FHA, VA and USDA loans.

  • The appraisal came in low! What now?

  • You might skip the home appraisal, But Should you?

15. What's next? the Mortgage Processing

  • Loan Processing: What does a loan processor do? 

  • Understanding the mortgage loan disclosures from your lender.

  • Title Insurance: What is it? Is it required?

  • Employment verification and other intrusions.

  • Final Approval from the underwriter: What is next?

16. "Closing time"

  • WHAT IS A FINAL WALKTHROUGH?

  • Escrow: What does it mean?

  • Preparing for the closing.

  • Closing: What happens at your signing?

  • Closing Disclosure (cd) vs Final Closing Disclosure

  • Escrow Balance: Why does the lender requires so much money?

  • Cash to Close: What is it? How to pay it? How to avoid fraud?

  • Closing: What you need to pay attention to?!

17. Closing and Funding

  • Closing: Avoid getting to the finish line.

  • What's funding?

  • Deed, Deed of Trust and Note.

  • What is recording?

18. Getting Keys & Moving in

  • When can I move in? When and how do I get my keys?

  • Moving into your New House: What do you need to know.

  • Moving tips: Save money!

  • Utilities Companies: What should I do?

  • Get to know your neighbors! It's important!

  • When is your first mortgage Payment Due?

  • House Warming Party!

  • Home Maintenance.