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Real Estate Services & Resources

Calculators
ball1.gif (1653 bytes)Affordability calculator
ball1.gif (1653 bytes)Amotorization calculator
ball1.gif (1653 bytes)Mortgage re-financing
ball1.gif (1653 bytes)Rent Vs Own calculator
ball1.gif (1653 bytes)Reverse calculator

Checklists
ball1.gif (1653 bytes)Home Inspection
ball1.gif (1653 bytes)Property Preference
ball1.gif (1653 bytes)Home Maintenance

Miscellaneous Real Estate Resources
ball1.gif (1653 bytes)America's Most Expensive Zip Codes
ball1.gif (1653 bytes)Legal services
ball1.gif (1653 bytes)Loan Request Online
ball1.gif (1653 bytes)Sub-Prime Lending
ball1.gif (1653 bytes)World's Most Expensive Cities for Expats

Moving Services
ball1.gif (1653 bytes)Moving
ball1.gif (1653 bytes)Movers in USA & Canada
ball1.gif (1653 bytes)Storage in USA & Canada

Property Search
ball1.gif (1653 bytes)Foreclosure Listings
ball1.gif (1653 bytes)Search for any Property
ball1.gif (1653 bytes)Apartment Guide
ball1.gif (1653 bytes)Rental Owner Resources
This site provides the rental property owner with a single source for all the tenant management needs.

Real Estate Tips
ball1.gif (1653 bytes)Re-Financing Tips - Refinancing can be a good idea for homeowners who:
ball1.gif (1653 bytes)Want to get out of a high interest rate loan to take advantage of lower rates. This is a good idea only if you intend to stay in the house long enough to make the additional fees worthwhile.
ball1.gif (1653 bytes)Want an adjustable rate mortgage (ARM) with a fixed-rate loan in order to ensure exactly what the mortgage payment will be for the life of the loan.
ball1.gif (1653 bytes)Want to convert to an ARM with a lower interest rate or more protective features (such as a better rate and payment caps) than the ARM they currently have.
ball1.gif (1653 bytes)Want to build up equity more quickly by converting to a loan with a shorter term.
ball1.gif (1653 bytes)Want to draw on the equity built up in their house to get cash for a major purchase or for their children's education.
ball1.gif (1653 bytes)How much money do I need to re-finance a loan?
Lenders usually expect that you have at least five percent equity in the house's appraised value. Also, you can expect to pay closing costs, which are often three to four percent of the loan amount. If you retain five to twenty percent equity in your home, the lender will require you to pay for private mortgage insurance.
You may finance the closing costs into the loan amount to avoid paying cash to obtain the loan, as long as the total loan amount complies with the lenders equity requirements.
ball1.gif (1653 bytes)Why do I Need an Appraisal?
Mortgage companies require a formal real estate appraisal when you purchase a new home. Although you are not obligated to get an appraisal when you are selling, it is wise to have your property appraised by an unbiased third-party so that you may use this information to establish your asking price. In addition to buying and selling real estate properties, appraisals are necessary in many other circumstances, including re-financing, if you wish to have PMI removed, for the purposes of estate planning, and as essential documentation for bankruptcy proceedings and divorce settlements.

ball1.gif (1653 bytes)Smart Tips:
ball1.gif (1653 bytes)Avoid mortgage insurance
When you borrow more than 80% of your home's value, mortgage insurance is required. If you can reduce your loan amount by only $10,000 you will eliminate this fee.
ball1.gif (1653 bytes)Don't pay for a 30 year fixed if you don't need it.
Most homeowners sell or refinance their home in 5 to 7 years. Get a mortgage with a 5 or 7 year fixed period to lock in a lower rate for the entire period you plan to keep your loan.
ball1.gif (1653 bytes)Prepayment penalties lower your rate with little risk.
Rates are at historic lows. Going to keep your loan for the next few years? Get a lower rate & pay no penalties if you sell your home after the 1st year or keep your loan for 3 years.
Tenant Resources
ball1.gif (1653 bytes)Resources in Canada
ball1.gif (1653 bytes)BC Tenancy Act
ball1.gif (1653 bytes)CMHC
ball1.gif (1653 bytes)Health issues
ball1.gif (1653 bytes)Ontario Rental Housing Tribunal
ball1.gif (1653 bytes)Safety tips
ball1.gif (1653 bytes)Tenant tips
ball1.gif (1653 bytes)Resources in USA
ball1.gif (1653 bytes)Online resources
Copyright © 2000 Siakhenn
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