Posts with tag 'buyers agent'
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28
Mortgages - Six Things You Need to Know to Save Big Money
Most of us make our house payment every month without ever thinking about how we are really spending our money. The fact is, if you purchase a $200,000 house January 1, with zero down, at 5% interest, on a 30-year fixed note, you'll be making a monthly principal and interest payment (not counting PMI, property taxes, and homeowners' insurance) of about $1,073. Some $833 of that monthly payment will go toward interest, and only about $240 to your principle balance. The first year alone will cost you almost $10,000 in interest. Over the life of the loan, you will pay some $186,511 in interest – almost double the cost of the home.
THE TAX DEDUCTION MYTH
What they say: "But...
27
Closing Costs: What's that Set of House Keys Going to Cost Me?
"Closing costs" is a confusing term. Depending upon who you're talking to, it can encompass various monies which will be required of a buyer in order to get up from a closing table with a new set of keys (hopefully with a 
Heritage Real Estate keyring attached). There are numerous charges and fees involved and buyers frequently get the terms mixed up. More often than not, neither lenders nor Realtors thoroughly and clearly explain things to the buyer.
Firstly, there is a difference between "closing costs" and "down payment," something first-time buyers frequently misunderstand. I recently had a deal go south because the buyer's agent didn't bother to explain to him that "zero down" didn't mean there were no costs involved. Imagine his surprise when, two weeks into our contract, he learned he had to come up with $4,000 in closing costs.
Your "down paymen...
25
Blossoms in Fall
I sell houses to support my farming habit. To call myself a farmer would be an insult to all the real farmers since the Lord "put Adam in the Garden of Eden to till it and keep it." To the men and women who have, and do, 
eke their living from the ground, I tip my pink camo Tractor Supply cap. I wish there were more like you; we'd be a better nation, a better world.
But I've had my share of planning, planting, struggling, sweating, nurturing, joy, wonder, loss, and failure, followed by mustering strength and hope, and trying again. Each fall, the old farmer saying, "There's always next year," has consoled me when little went as I'd planned.
I planted my first 83 apples trees here at Zion Heritage Farm in the fall of 2013. It took me three days. When the last tree went in the ground, I could barely st...
15
DO I NEED BUYER’S TITLE INSURANCE? -- Part I
As both a real estate and mortgage broker in the state of Florida for many years, when I moved to my real estate company to West Virginia, I was surprised at the many differences between how things are done 
in the Sunshine and Mountain States.
In real estate there is national law, state law, and just plain how-we-do-it-around-here. That latter category covers a surprising number of things, including who pays for what at closing, how commissions are shared between Realtors, home inspections, and terminology, to name a few.
One of the big differences is that, in West Virginia, buyers rarely purchase Buyer's Title Insurance (also known as Owner's Title Insurance, or an Owner's Title Policy) at closing. In Florida, virtually all buyers are provided with owner's title insurance, which is customarily paid for by the seller. Here in the Mountain State,...
1
Open House - Clarksburg, WV
Join me tomorrow, Saturday, July 2nd, for an open tour of this gorgeous home!
201 Charter Street
Clarksburg, WV
Saturday, July 2, 2016
10:00 a.m. - Noon
Updated Old World charm. Well maintained 3/2+ home offers newly updated eat-in island kitchen, gorgeous master bath w/Jacuzzi tub. Original oak floors, French doors, trim, handsome staircase, and built-ins. Fireplaces in living and dining rooms. Bonus room for office or playroom. Walk-up attic and interior access/walk-out basement. Located on a partially fenced corner lot with off-street parking. Close to the public pool and Veterans' Park. $99,500.
Click here for more information.
Bill Porter, Broker
(304) 612-3746207 Aurora Dr
Morgantown, WV 26508
WEST VIRGINIA LICENSES BROKER WVB240300963
AGENCY 010271-00
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Office License No. 010271-00