Sharon Brown's (vbrown707) Blog

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Mortgage and Lending - Property Management
RECENT BLOG POSTS
   Know What You Want In a Home   This evening my friends and I are hanging out in my family room.  As I'm sprawled across a chair, enjoying the camraderie, I remember the importance I placed on a family room while I was home shopping.  I wanted a home that was comfortable, welcoming.  For me, th...
06/13/2008
   Mid Hudson Valley - It's Time to Buy   Despite what you may hear in the media, now is a good time to buy a home. Mortgage rates remain in the historically low range.  Sellers are more willing to negotiate.  Inventory is stabilizing, as is the number of days a house is on the market.  The Mid H...
06/11/2008
Many first time home buyers are hesitant to take on the responsibility of home ownership.  Most of us who own homes understand the concern, because we experienced it ourselves.  Choosing a home was fun.  The real work began with the mortgage process.  Here are some guidelines to help you decide i...
06/09/2008
Many first time home buyers are hesitant to take on the responsibility of home ownership.  Most of us who own homes understand the concern, because we experienced it ourselves.  Choosing a home was fun.  The real work began with the mortgage process.  Here are some guidelines to help you decide i...
06/09/2008
     100% Financing AND No Mortgage Insurance: A Home Buying Strategy No down payment, 100% financing, no money down - these phrases are not often heard in today's mortgage environment.  Most mortgage professional are now touting FHA ,or 3% down.  There are two mortgage products that allow 100% f...
04/29/2008
    Think Twice before CosigningIt is important to understand the ramifications of cosigning a loan. It means more to you than helping out a family member or friend. A cosigner in needed because the primary borrower has insufficient credit. As a cosigner, you promise to pay if this individual doe...
04/21/2008
     Minimum Payments Are the Floor, Not the CeilingLet's say you're going on a well-deserved cruise, and you want to look your best.  So you run to your favorite store, buy a piece of luggage, a couple of great outfits, evening attire and shoes - what wardrobe is complete without them -  to die ...
04/19/2008
     Pay Your Bills On Time, Every Month                This sounds so elementary, but you'd be surprised how many people miss this point.  I know of someone who paid his credit card bills quarterly.  Since they were paid in full, he believed this was acceptable.  Be sure to pay at least the mini...
04/11/2008
The State of New York Mortgage Ageny (SONYMA) loan program is a great tool for first time homebuyers.  It allows for a low down payment (3%) and offers closing cost assistance.  SONYMA has strict guidelines that leave little room for exceptions.  A qualified loan office can determine your eligibl...
04/08/2008
The Poughkeepsie Journal has an ongoing real estate podcast series.  Though the focus is on the Hudson Valley, the topics are relevant to our industry.  The topics include the basics: tips for first-time homebuyers, mortgage basics and home inspections.  Also included are great non-traditional to...
02/12/2007
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Sharon Brown

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