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By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Thinking About Buying a Foreclosure? With the housing bubble burst and the subprime mortgage crisis, millions of homeowners found themselves unable to make their mortgage payments. Many found themselves owing more on the house than the home was worth. Many just walked away from their homes. As a ...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Items You Need When Applying For a Loan Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getting ...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Title Insurance Requirements for Insuring Trusts In today’s world of busy probate courts and exorbitant death taxes, the living trust has become a common manner of holding title to real property. The following may help you understand a few of the requirements of the title insurance industry if ti...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Mello-Roos In purchasing your new home, your future monthly payments will be made up of principal, interest, real property taxes, and insurance. But what is the tax for the Community Facilities District, otherwise known as a Mello-Roos District? The Land Title Association (LTA) has answered some ...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Making a Good First Impression If you want buyers to be interested in your home, you need to show it in its best light. A good first impression can influence a buyer both emotionally and visually, thus prompting them to make an offer. In addition, what the buyer first sees is what they think of w...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Is Buying a Home Still a Smart Plan? With the burst of the housing bubble, credit crisis, and millions of foreclosures across the country, you may wonder if buying a home is such a good idea after all. However, it’s important to consider all of the facts. The important message to take away from t...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
FICO® Scores and Your Mortgage Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship between credit ...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Title Insurance - Where Does Your Dollar Go? Title Insurance: As a homebuyer, the term is probably familiar - but is it understood? What is your dollar actually paying for when you purchase a title policy? Title Insurers, unlike property or casualty insurance companies, operate under the theory o...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Mechanic’s Liens The Mechanics’ Lien law provides special protection to contractors, subcontractors, laborers and suppliers who furnish labor or materials to repair, remodel or build your home. If any of these people are not paid for the services or materials they have provided, your home may be ...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Know Why You are Selling If you know exactly why you are selling then it is easier for you to follow the right plan of action for getting what you want. If you are a seller who needs to close a sale as quickly as possible, then you should know that getting the highest price possible is not one of...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Importance of Inspection As a buyer, you are entitled to know exactly what you are getting. Don’t take anything for granted, not even what you see or what the seller or listing agent tell you. A professional home inspection is something you MUST do, whether you are buying an existing home or a ne...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
FICO® Score - a Brief Explanation When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you’ve made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. “What’s a FICO® score?” is a common reac...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
The Functions of an Escrow Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledgeable manner. F...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Living Trusts Estate planners often recommend Living Trusts as a viable option when contemplating the manner in which to hold title to real property. When a property is held in a Living Trust, title companies have particular requirements to facilitate the transaction. While not comprehensive, ans...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Insist on a Home Inspection A professional home inspection protects both you and the buyer. It allows both you and the buyer the opportunity to learn about the property’s defects. A home inspection usually covers the following: Plumbing conditions - if there is leakage or clogging Roofing conditi...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Hot, Normal, and Cold Markets Hot Market This is an extremely competitive market and is advantageous to the seller. Sometimes, homes will sell as soon as they are listed or even before homes are listed. Typically, during a hot market, multiple offers will be made on each home and more often than ...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Documenting Your Assets - Verifying Your Down Payment When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are coming...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Statements of Information What’s in a name? When a title company seeks to uncover matters affecting title to real property, the answer is, “Quite a bit.” Statements of Information provide title companies with the information they need to distinguish the buyers and sellers of real property from ot...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Lead Poisoning Lead poisoning is a serious problem that can lead to adverse health problems. In children, high levels of lead can cause damage to the brain and nervous system, behavioral and learning problems, slow growth, and hearing problems. In adults, lead poisoning can cause reproductive pro...
By Norma J. Elkins, Realtor - Elkins Home Selling Team
( Elite Realty Group)
Comments 0
Getting the Highest Price in the Shortest Time In order to get the highest price in the shortest time, you need to know how to market your home. The better you market your home, the more offers you will get. And the more offers you get, the more choices you have to get the price and terms you wan...

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