Ask The Expert

What are the top reasons to work with a Realtor®?

Realtors® aren’t just brokers. They’re professional members of the National Association of Realtors® and subscribe to its strict code of ethics. This is the Realtor®… Continue reading

How does Help-U-Sell Real Estate Work?

Help-U-Sell® Real Estate Brokers and agents are fully licensed professionals, members of their local Board of Realtors and of the National Association of Realtors®, work… Continue reading

What are some real estate safety protocols that should be used?

To help remind us to know the dangers we face every day, to be aware of our surroundings, and to empower ourselves with precautions and… Continue reading

Why should the federal government re-authorize the National Flood Insurance Program (NFIP)?

Each year the federal government spends billions of dollars on disaster relief to flood victims – all at taxpayer expense. Floods claim more lives and… Continue reading

Are more and more buyers looking for greener and smarter homes?

Growing consumer interest and demand for greener, more sustainable properties is driving a dialogue between Realtors® and homebuyers and sellers. In April 2017, the National… Continue reading

I’ve acquired a property. Can I refinance it and take cash out?

That depends on several factors, including how you acquired it, how long it’s been owned and if the owners are living in it. Most lenders… Continue reading

What is a Purchase Money Second? What are advantages with this type of loan?

A Purchase Money Second (PM2) Home Loan* is a second mortgage that closes with a corresponding first mortgage from the same lender. The first mortgage… Continue reading

What information do I need to apply for a mortgage?

Being prepared for your initial meeting with your mortgage advisor will make the whole process go more smoothly. All you need to do is gather… Continue reading

How can I compare between lenders?

If you have purchased or refinanced a home, you know that understanding actual costs or specific terms of your mortgage can be very difficult to… Continue reading

When can I refinance and get cash out?

You must first determine if you have enough equity in your home. For your primary residence, it is a common guideline that the maximum loan… Continue reading

How can I be more competitive in a multiple offer situation?

Of course, many times the highest bidder or cash wins. However, this may not always be the case. Even a buyer getting financing may find… Continue reading

Should I Consider Downsizing?

People buy and sell homes for many reasons. Perhaps they need to relocate for a job, or maybe they simply want a change of scenery.… Continue reading

What advantages can millennials expect from a career in real estate?

For millennials, those aged 18 to 34, who are looking for a career that allows them to be independent, flexible and entrepreneurial, a career in… Continue reading

What information do I need to gather to apply for a mortgage?

One of the best ways to prepare for your initial meeting with your Mortgage Advisor is to gather up your most recent income and asset… Continue reading

Where Do Buyers Want to Live?

A: When someone buys a home they aren’t just buying the house ? they are also buying a neighborhood. But what are potential homebuyers looking… Continue reading

When should I refinance?

To see if refinancing makes sense, first start by determining the approximate break–even point, or the number of months that it will take for you… Continue reading

What is an FHA loan and is it right for me?

FHA home loans are federally insured by the Federal Housing Administration and are ideal for individuals who have minimal funds for a down payment or… Continue reading

What is a Realtor?

People may assume that the term Realtor® applies to anyone holding a real estate license. While all real estate brokers must be licensed, not all… Continue reading

What are the rules for using gift funds for a down payment?

Gift funds are funds from an immediate family member or spouse to be used toward the down payment on your home. It is important to… Continue reading

Do I need my own realtor when buying a brand new home from a builder?

Buying a new home is very exciting…You can choose the lot, model, colors, finishes, upgrades and more. Yes, you should have your own experienced realtor… Continue reading