Do you Own a Home? 

Do you know if you're currently paying rent you ARE purchasing a home, just for someone else. (your landlord).

What's holding you back from becoming a Home Owner? Is it credit, down payment, your age, location or you're just not sure?

Read some information below and then Contact SIMONE JOYE and let's get you on the path to homeownership!
It's easier than you think and you're right as an American! 

Tips for Buyers

• Avoiding Financial Stress
• Build a Plan of Action and Get Ready
• Finding the Right Seller
• Getting a Legitimate Lender and Getting Pre-Approved
• Hot, Normal, and Cold Markets
• Importance of Inspection
• Is Buying a Home Still a Smart Plan
• Thinking About Buying a Foreclosure
• Use a Buyer's Agent
• Why You Should Not Make Any Major Credit Purchases

Title and Escrow

• Closing and Title Costs
• Creative Financing
• Required Reporting to the IRS
• Statements of Information
• The Functions of an Escrow
• Title Insurance - Where Does Your Dollar Go?
• Title Insurance Requirements for Insuring Trusts
• Title Insurance When Refinancing Your Loan
• Understanding Preliminary Reports
• Understanding Title Insurance
• Why Do You Need Title Insurance

Real Estate Glossary

• Glossary of Real Estate Terms

Mortgage Information

• Adjustable Rate Mortgages - The Pros and Cons
• Adjustable Rate Mortgages-The Basics
• Closing Costs When Buying or Refinancing a Home
• Documenting Your Assets - Verifying Your Down Payment
• FICO® Score - a Brief Explanation
• FICO® Scores and Your Mortgage
• Items You Need When Applying For a Loan
• Land Contract
• The Advantages of Different Types of Mortgage Lenders
• The Biweekly Mortgage - Who Needs It?
• The No-Cost Thirty Year Fixed Rate Mortgage
• Types of Mortgage Lenders
• What's a FICO®?
• Where Does the Money Come From for Mortgage Loans?
• Which ARM is the Best Alternative?
• Your Savings and Down Payment

International Property