John Watts's (zwatts1) Blog

Prior to beginning a serious home search, do research on how you can best finance your new home based on your personal situation.  There are things to take into consideration, such as, are you a first-time home buyer, veteran, credit score, and types of loans available, etc.  Be sure to talk to m...

Title policy will be required whenever you purchase a home and have a mortgage loan on the property.  Normally, the policy is purchased by the seller of the property.  Title policy is an insurance policy that protects the homeowner from fraudulent claims made against their ownership, mistakes mad...

If you are thinking of building a new home or buying your next home, you should think about the environmental conditions of the property.  There are a lot of  available material to read and understand to help make the correct decisions.  Following are some greenhouse terms that will aid you in th...

When home sellers receive an offer to purchase their home, one of the first questions they should ask, has the potential buyer been pre-qualified or pre-approved for a loan.  A letter of pre-qualification or pre-approval should accompany an offer to purchase a home.  If there is no letter, this i...

A homeowner who is going to sell his home and vacate the house at the same time the property is put on the market, may want to think about staging the house.  Following are a few things you may want to consider before making the final decision to or not to stage your house:Having plants in house ...

As a home buyer, you need to keep your credit score high (above 700) in order to qualify for the best mortgage loan terms.  People who use good financial practices in their daily lives will save thousands of dollars in interest fees during their lifetime.  Following are some ways to manage your c...

Home buyers need to prepare themselves prior to starting a serious home search.  There are few helpful tips that may reduce stress to home buyers: No guaranteed right time to buy – If a buyer finds the right home for themselves, do not risk the possibility you will find something better later.  T...

Living in a popular neighborhood where houses are selling at a fast space can give a seller the big head that their home can sell above market price.  This may or may not be true.  Remember, buyers may not have the same high opinion of your home as the homeowner does.  Seller’s home probably has ...

Homeowners need to understand what home insurance covers and does not cover.  Important to understand what is covered, and how to read your insurance policy. There are four parts to an insurance policy.  Two of the parts are the most important sections: inclusion and exclusion sections.  The incl...

At least once a year, or if you are planning on buying a home in next several months, you need to check your credit report.  This allows you to verify existence of any errors, and/or gives you time to improve your credit score if necessary prior to starting the buying process.  Making corrections...