Dave Zwierecki's (dzwreck) Blog

Right now there are a lot of homes up for sale and not  enough buyers to buy up all of these homes. This is one of the top signs that we are currently in a buyers market. When there are too many homes for sale and not enough buyers, most of the time sellers are willing to go above and beyond to t...

Applying for a mortgage can be a very big step in one's life. A mortgage is one of the biggest investments and liabilities in a person's life and needs to be handled with care. The wrong mortgage program can eventually lead to doom or worse yet, the loss of your home.Applying for a mortgage can b...

If you are looking to buy a home, whether you are a first time homebuyer or a seasoned home buying veteran, you need to know and understand what sources of down payment funds are acceptable to use for a home down payment. Understanding what is acceptable to a lender and what is not can help you b...

If you are unsure of what to do about your home because you have started to fall behind on your mortgage payments or you are unable to sell your home because you owe more money that what your home is worth, do not panic. There are answers out there. If either of the above situations describe some...

Getting ready to buy a home can be both a very exciting, yet a very terrifying experience. Most first time homebuyers have so many questions to ask, but they are unsure of who to ask. Who can a first time homebuyer trust and what can they do to insure a smooth homebuying experience? First time ho...

So how exactly do adjustable rate mortgages work and what should I pay attention to when considering obtaining an ARM loan These are just a couple of the most common and most important questions that one needs to understand before jumping into an adjustable rate mortgage. I know that super low ra...

Have you recently closed your mortgage loan on a refinance of your primary residence and now you have a 3 day right of rescission? Why does this exist, how does it work and what does this permit you to do? While the 3 day right of rescission may be a simple basic item, I felt that it was importan...

Can you really get a $200,000 mortgage loan for a payment that is only $644/month as Lending Tree is advertising. Can you really get a $150,000 loan for a payment that is only $450/month as Quicken Loans is advertising? You have probably all heard of these Pay Option ARM loans on television, radi...

Do you really need to pay someone hundreds and many times even thousands of dollars for them to improve or repair your credit? Credit repair is one of the most popular topics right now and there are many things that you should know before hiring the services of a professional credit repair compan...

I am sure you have heard someone tell you not to let any other companies pull your credit because it will lower your credit at some time or another. You have probably heard a lot of things about credit inquiries and how they will lower your score. In this article you will finally find out the rea...