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Homebuyer Checklist

Gather Document to Apply for Loan Income Verification • Names and addresses of employers for two years • W-2s for two years • One to two years of tax returns • Most recent year-to-date pay stub reflecting a minimum of 30 days of income or other proof of income • If self-employed, year-to-date profit and… Continue Reading Homebuyer Checklist
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Is it time to stop renting and purchase a home?

You’ve been renting for years, but want to purchase a home someday. How do you know when you’re ready to stop renting and move into your own home? Since purchasing a home is a big commitment, you want to make sure you’re prepared. Asking yourself a few important questions will help you decide if now… Continue Reading Is it time to stop renting and purchase a home?
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Home Buyer’s Dictionary

If you are shopping for a new home, the following are some important terms that are used by lenders and real estate sales agents: Acceleration Clause: A clause which gives the lender the right to demand payment in full if borrowers miss a payment or violate any other agreement stipulated by the mortgage. Appreciation: An increase in… Continue Reading Home Buyer’s Dictionary
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One-Story vs. Two-Story Homes

The following pros and cons will help you decide what is best for you and your family: One-story Homes Pros Easier to maintain – Since everything is on one-level, one-story homes are easier to maintain. No taking the vacuum cleaner or laundry up and down two flights of stairs. The exterior is easier to maintain… Continue Reading One-Story vs. Two-Story Homes
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Top 5 Reasons Spring is a Great Time to Sell Your Home.

You want to build a new home, but need to sell your home first. The following are the top 5 reasons spring is a perfect time to sell your home:        Longer Days and Warmer Weather The clocks have been moved forward. The temperatures are warming up. People are tired of being inside.… Continue Reading Top 5 Reasons Spring is a Great Time to Sell Your Home.
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When Building Your New Home, Don’t Neglect to Study the Build Specifications.

Ameri-Star Homes takes great pride in our build specifications. We strive to meet or exceed all state and local building codes.   What is included in the price should be in black in white.  It is the “what is not included” that is hard to review.  Many builders present a laundry list of included items… Continue Reading When Building Your New Home, Don’t Neglect to Study the Build Specifications.
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What to Expect at the Closing Table.

Clear to close. The most anticipated words in the mortgage industry. Loan officers and borrowers breathe a deep sigh of relief when hearing those words from underwriting. It means the deal is done, the paperwork is done, no more time spent trying to find obscure documentation. Now, you’re about to write that big check and… Continue Reading What to Expect at the Closing Table.
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5 Tips to Save for a Down Payment

You’ve decided it’s time to buy your new home and you need to start saving for a down payment. The following five tips will help you get on the right track: 1.     Make sure your priorities are straight.  Paying your rent should always be your first priority. Paying down credit card debt should be… Continue Reading 5 Tips to Save for a Down Payment
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Finding the home that fits your needs, lifestyle, and budget.

We’ve all heard of the American Dream, and owning a new home with the picturesque white picket fence is the image that comes to mind when we hear that phrase!  A home represents far more than just security and independence. At its core, it represents a sanctuary for you and your family through all of… Continue Reading Finding the home that fits your needs, lifestyle, and budget.
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Why Millennials Should Build a New Home

Millennials believe that it’s easier to rent because they are changing jobs more frequently, getting married later and having children later. They are also living at home longer because of their high college debt. If you’re a Millennial, you should know that buying a home is good idea… building one is an even better idea.… Continue Reading Why Millennials Should Build a New Home
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