this month's update
Welcome to this month's real estate update. In this issue you'll find helpful tips for the home owner. Whether you're ready to buy, sell, or just need a few tips for around the house, it's all here. Not a subscriber?
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buying a home
Our question and answer database can help you get started. More ->

selling your home
Protect your investment and save yourself many headaches. More ->

tips for homeowners
We've got some helpful tips to help your manage you home right. More ->

mortgage resources
Resources & tips to help you find the best mortgage, understand the mortgage process and get started with your next home loan. More ->

more resources mortgage averages
Real Estate Headlines
Questions & Answers
Real Estate Glossary
30-Year Fixed 6.49%
15-Year Fixed 6.00%
1-Year ARM 5.10%
Jumbo 30-yr. Fixed 6.91%
30-Year FHA 6.90%
update provided by more top stories
Bernadette Moriarty
Century 21 Solymar
2351 Morena Blvd.
San Diego, CA 92110
619 246-5878
Visit my website
Which comes first, buying or selling?
Keeping gas appliances safe
Does making extra payments pay?
A winter checklist for your home
this issue compliments of
  Bernadette Moriarty
Century 21 Solymar
619 246-5878
Contact Me
Visit My Website
this month's features
The queasy feeling of refinancing

You just got through the headaches of refinancing less than two years ago. Now you receive a card in the mail from your lender stating that the 8.5 percent, 15-year fixed-rate mortgage you hold can be refinanced again at 6.5 percent with minimal fees.

Should you do it? Would you be throwing more money out the window in fees? Would it be worth the hassle of appraisals, credit reports and title insurance? Should you start all over again on a 15-year loan when you have 13 years remaining on your current loan?

The move would definitely pay off, but there are several important points to consider before starting the process, including:

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Writing the purchase contract

There are no stupid questions when it comes to buying real estate. It's important to ask questions when you're drafting the terms and conditions of your offer in the purchase contract, whether you do it yourself or with an agent or attorney. Not sure about contingencies? Wondering about fixtures? Just ask. You don't have to become a real estate expert to craft a good contract, but the more you know about how a contract works, the more effectively you can tailor it to your specifications. You'll also be a much savvier negotiator when the seller comes back with a counteroffer.

Read the Fine (Pre)print:

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