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Friday, June 29, 2012

What to know about mortgage applications

Purchasing a home is the single largest financial transaction that most of us will make in our lives.  Purchasing real estate is a complex transaction, and using trusted, professional Realtors and lenders is highly recommended in order to make the transaction as smooth as possible.  After the housing market crash, lending regulations have been tightened to help ensure that the predatory lending practices that led to the crash are no longer possible.  If you are thinking of using a mortgage to purchase a home, there are some things you should know to expect when going to the bank to apply for a mortgage.

The mortgage application is a complex form that is used to collect as much information from a Buyer as possible to make sure they are capable of making the payments.  As a Realtor, my Buyers often ask me what to expect when they are going to the bank to apply for a mortgage, as this is not information that most people will know off hand. Thanks to MSN Real Estate, there is a simple guide to mortgage applications to help Buyers know what to expect.  A borrower's guide to the mortgage application offers a breakdown of the 8 sections of the mortgage application, and offers some insights into the information.

If you've been considering purchasing a home, contact me for information on lenders who would be happy to help you determine the correct loan program for you.  Feel free to share this information with your friends and family, and follow my blog to keep up with all my posts!  Friend me on Facebook and follow me on Twitter to keep up with everything I ever post!

Tuesday, June 26, 2012

Grilling secrets revealed!



In past posts, I've made it clear that I love hosting cookouts in the summer.  In addition to the time spent with friends and family, the real truth is, I LOVE to cook on the grill.  Burgers, brats, chicken, and even are delicious when cooked over the open flame of a grill.  Different foods require different temperatures to ensure proper cooking.  Learning the best way to cook a steak to a perfect medium temperature, or to produce a perfectly cooked, moist chicken breast is an art form that takes practice to perfect.  Grilled vegetables are a delicious alternative from the norm that take a certain understanding to execute properly.

Almost any type of food you can think of can be cooked on the grill.  Many recipes that I have come up with on my own have been variations on marinades or spice rubs to created different grilled dishes.  Through trial and error, I have learned some of the Do's and Don'ts for cooking certain foods on the grill, but it has taken me years to gain the experience and knowledge I have now.

Luckily, thanks to the people over at lifehacker, there is a great graphic that can help you know the best placement of food on a grill to get the best results without the hassle of all that trial and error. Where to Put Food on the Grill for Perfection Every Time summarizes this great infographic provided by Food Republic.  Check out lifehacker's article, or click the infographic to view the full report at Food Republic.

Let me know your favorite food to cook on the grill or share your favorite recipe in the comments below!  As always, feel free to share this information with your friends and family, and follow my blog to keep up with all of my posts.  Friend me on Facebook and follow me on Twitter to keep up with everything I ever post!


Friday, June 22, 2012