Tag Archives: 1st Time Home Buyer

Success Stories #3

Client #1 Terry is a very successful business professional.  She makes good money but does not have a lot of free time.  Because of her hectic schedule, Terry has accumulated a lot of revolving debt and the payment on that debt was getting out of hand.  The Kunselman Team was able to help Terry out [...]

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Top 10 Reasons for Getting a New Mortgage in 2011

Rates are still really low. FNMA DU Refi+ and the Freddie Mac Open Access HARP programs are still around through May. You might not have to pay for an appraisal Self-employed people can still get a loan. 100% Financing is available in rural areas (Frederick/Firestone count as rural) FHA has lowered its up-front mortgage insurance [...]

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Get the Process Started Now

The loan process is not what it used to be.  In the not so distant past, we used to be able to start a new refinance and get it closed within 3 weeks.  Lenders were a lot more streamlined and were staffed to handle the amount of loans they were getting. But because of new [...]

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Why Should You Have Your Own REALTOR® When Buying a Home?

This is a question that has come up more and more in recent months.  The interesting thing is that the biggest reason for the question is the misconceptions of what part a REALTOR® plays in the transaction. The first misconception is that if the buyer works with the seller’s agent, that they will get a [...]

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Is It Still Worth it to Buy a Home without the Tax Credit?

Over the last couple of months some people have expressed disappointment about the $8,000 tax credit expiring in June. Now while it’s always nice to get money back, all is not lost.  The interest rates are now much better than they were a year ago. Let’s look at a $200K 30 year mortgage at a [...]

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