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The official blog of the Home Buying Institute allows first-time home buyers to ask questions online and get answers from real estate experts.

Owner: brandon72

Listed in: Real Estate

Language: English

Tags: home buying, real estate, mortgage loans

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Latest Blog Posts for Home Buying Questions

  • Can I Cancel My Remortgage / Refinance Loan Application?
    on Dec 31, 2008 in refinance
    Reader Question: Can I cancel a remortgage / refinance application at any time? You will need to review your application to see what the stipulations are for canceling. Every lender has different policies, so there's no way I can answer the question
  • Difference Between Underwriting Fee and Processing Fee
    on Dec 31, 2008 in Home loans
    Reader Question: Is there a difference between a processing fee and an underwriting fee? Yes, there's a difference between them. While they are both common fees associated with mortgage loans, they are assigned for two different things. Here's
  • How Long Does the Settlement Process Take?
    on Dec 29, 2008 in Home buying process
    Reader Question: How long does the settlement process take? It varies based on many factors. But on average, the real estate closing / settlement process can take anywhere from two to four hours. If everything goes well (meaning there are no dispute...
  • Can I Buy a Home Instead of Renting It?
    on Dec 29, 2008 in Home buying process
    Reader Question: I lost my home due to certain circumstances. And now am going to rent a home from someone that is selling it. Is it possible for me to buy home from them, instead of renting? Sure, it's possible. I know quite a few people who are st
  • Selling a Home for Less Than I Owe - How Will It Affect Me?
    on Dec 29, 2008 in Home loans
    Reader Question: If we sell a house for less than it is worth and make arrangements with our mortgage company to pay the difference, how will that affect us getting a new mortgage? It sounds like you're talking about a short sale process, in which t
  • Trying to Refinance to Fixed Rate - Property Appraised Low
    on Dec 26, 2008 in Economy
    Reader Question: I recently purchase a brand new home in April 2007 469.000 with a 20% down payment at an ARM rate, I recently tried to refinance for fixed rate, however the property appraised at $290.000. How is that? Welcome to the recession. It s...
  • When Do You Pay the Down Payment Money on a Mortgage Loan?
    on Dec 26, 2008 in Home buying process
    Reader Question: When during the mortgage process do you pay the down payment money? You typically pay it during the closing process (also referred to as "settlement"). This is the process in which ownership is transferred from the sell
  • Paying Off Debt Before Applying for Home Mortgage
    on Dec 19, 2008 in Home loans
    Reader Question: How much time before applying for a home mortgage is it good to pay off debts on credit report? I've received similar questions through our Credit Help Blog lately (it's another Q&A blog similar to this one). So it'
  • Have to Transfer But Can't Sell the Home - What to Do
    on Dec 19, 2008 in Home loans
    Reader Question: "My husband will be transferring to another state. With so many foreclosures in our area, it is impossible to sell our house. We'd have to give it away. We talked with our lender and they are not willing to do a quick sell,
  • First Step to Buying a Home - Where Do I Start?
    on Dec 19, 2008 in Home buying process
    Reader Question: What is the first thing I need to do to buy a home? We have an article on the main website that explains the ten basic steps to buying a home. That's probably worth reading, since it's relevant to your question. As the first s
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