Advice for buyers and sellers, from Justin Ruzicka

100% financing

What Stops Me from Budgeting

Greenville Realtor is successful_houseguy.org

Budgeting is often thought of as a bad word. I know it my household it rarely gets used. But why is it that we all tend not to do Monthly Budgets. Fear: We are afraid of the truth…that this pay check to pay check lifestyle is actually not sustainable.   (But I have been doing it […]

Truth on Home Mortgage Payments

Truth on Home Mortgage Payments

Understanding your home mortgage: Data based on $200,000 Purchase Price, $20,000 down payment resulting in: 30 year, $180,000 home loan at 5.5% Interest (no taxes or insurance are taken into consideration in this article, and there is no PMI). Your monthly Loan Payment will be $1022, multiply that by 360 payments (30 years) = $367,920 […]

Rate of Absorption

Rate of Absorption

Knowing the Rate of Absorption also indicated by months of Inventory is a helpful indicator of the Real Estate Market.  Is it a “buyers” market, with inventory levels exceeding 7 months.  OR is it a “sellers” market with inventory levels under 6 months which is equivalent to homes selling faster than hot cakes at McDonalds.  […]

First Time Home Buyer in Fort Myers F...

First Time Home Buyer in Fort Myers FL

First-Time Buyer Tips, helpful hints, and an article that looks at how and why a buyer wants to educated themselves on the real estate market. As an educated buyer, you will be able to save money, make the best decision in a moments notice, and not regret any decision that is made!

Refinancing, When should I?

Refinancing, When should I?

Is it a good time to refinance that high interest rate loan you have? Working through an amortization schedule may be helpful. Justin Ruzicka the houseguy helps homeowners understand the true costs of Refinancing and the savings that may come from refinance.

Good Faith Estimate or GFE

Good Faith Estimate or GFE

Justin Ruzicka the Houseguy.org offers help to first-time buyers, investors and second home purchasers who are looking at Good Faith Estimates and understanding the purpose of a GFE and how to find out the costs for getting a loan on a home you are looking to purchase.

Fort Myers First Time Home Buyer and ...

Fort Myers First Time Home Buyer and VA Loan

Justin takes great pride in helping First Time Home Buyers!!!!! If you are looking for a realtor you can trust, and who works very very hard for you, then read on, we are sure you will find Justin to be that realtor.

FHA Mortgages

FHA Mortgages

FHA Mortgages, Fannie Mae, Freddie Mac, USDA Home Loans.

Acting Federal Housing Administration (FHA) Commissioner Carol Galante announced a new premium structure for FHA-insured single-family mortgage loans: FHA will increase its annual mortgage insurance premium (MIP) by 0.10 percent for loans under $625,500 and by 0.35 percent for loans above that amount. Upfront premiums (UFMIP) will increase by 0.75 percent.

The premium changes will impact new loans insured by FHA beginning in April 2012. Details will soon be published in a Mortgagee Letter to FHA-approved lenders.

Response to Blog about “100% Fi...

Response to Blog about “100% Financing”

Here is a link http://charlesburgess.wordpress.com/author/bellaroo1/ to the blog written by Charles Burgess who works in Rutherford County in North Carolina. This is a beautiful area. I have friends up there, i have rented homes on Lake Lure, it is awesome. But that is not the point of my blog today, the point of my blog […]