Starting

• Determining Your Housing Needs
• Start The Home-Buying Process!
• How Lenders Decide Your Maximum Loan
• Purchasing Vs Renting A Home
• Why Use a REALTOR®?
• Learn Your Community Resources
• Walkthrough – What To Look For
• Keeping Track Of Homes
• What To Ask When Looking At Homes
• Older Vs Newer Homes
• What Is Earnest Money?
• What Do Home Inspectors Do?
• What About Flood Plains?
• What Are Home Warranties?
• Final Walkthrough Warnings

Mortgage

• What Is A Rate Lock?
• What Is A Mortgage?
• What is A Qualified Mortgage?
• What Is Loan-To-Value (LTV)?
• How Large A Down Payment Do I Need?
• What Is Ability To Repay?
• First-Time Mortgages?
• The Main Types Of Mortgages
• How Interest Affects Mortgages
• Fixed-Rate Mortgage Advantages
• Key Factors In Mortgage Payments
• What Does A Mortgage Cover?
• What Are Discount Points?
• What Is Mortgage Insurance?
• What Is PMI?
• What Is Prime?
• What Is Equity?
• Can I Pay Off Early?

Financing

• Key Steps To Secure Your Loan
• What is Debt-To-Income?
• Pre-Qualifying vs Pre-Approval
• Lending Process DOs and DON’Ts
• After Your Loan Application…
• Choosing Your Lender
• Choosing Your Home Loan
• How To Compare Loans
• Understanding Loan Fees
• What is A Good Faith Estimate?
• What Is RESPA?
• What’s An Appraisal?

Credit, Closing & Federal Programs

• What is A Credit Score?
• Find Your Credit History
• What Is Escrow?
• Closing Costs Explained Visually
• Title Insurance Explained Visually
• What Are Real Estate Commissions?
• What Happens On Closing Day?
• What Do I Get At Closing?
• What Makes Up Closing Costs?
• How Can The FHA Help?
• What Are The Steps In FHA Loans?
• About FHA Closing Costs
• About 203(b) and 203(k) FHA Loans
• What Are VA Loans?
• Major VA Loan Types
• What is The VA COE?

Selling

• Making Your Home Ready To Sell
• Preparing For Internet Showing
• Home Sales Tips – Prepping The Inside
• Home Sales Tips – Prepping The Outside
• How Do I Evaluate An Offer?
• What Is A Counter-Offer?
• The Closing Process For Home Sellers
• 6 Home-Selling Mistakes
• What Can I Ask Brokers?
• Setting Your Price
• Which Square Footage Figure??
• How Is A Home Marketed?
• Improving Your Home’s Value

TRID

• What Lenders Must Disclose
• Loans Covered By TRID Disclosures
• Loans NOT Covered By TRID Disclosures
• 6 Required Pieces of Information
• Can Lenders Request More Information?
• Do Lenders HAVE To Approve In 3 Days?
• What Is A Business Day?
• How Long Will Lenders Keep My Records?
• What Does The Loan Estimate Tell You?
• Could My Loan Exceed The Estimate?
• Refunds – If Your Loan Exceeds Your Estimate
• Can Creditors Revise Loan Estimates?
• Can My Settlement Charges Change?
• When Do I Get My Closing Disclosure?
• Loan Estimates – Terms, Payments, Closing
• Loan Estimates – Loan Costs
• Loan Estimates – Services You Can’t Shop
• Loan Estimates – Services You CAN Shop
• Loan Estimates – Other Costs
• Calculating Your Cash To Close
• Understanding Loan Estimate Comparisons
• Your Rights For Closing Disclosures
• Closing Disclosures – Understanding Page 1
• Closing Disclosures – Closing Costs
• Closing Disclosures – Understanding Summaries
• Closing Disclosures – Important Additions