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 DONÕTs


• After Your Loan ApplicationÉ


• Choosing Your Lender


• Choosing Your Home Loan


• How To Compare Loans


• Understanding Loan Fees


• What is A Good Faith Estimate?


• What Is RESPA?


• WhatÕs 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 HomeÕs 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 ApproveÊIn 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 CanÕt 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