This is home number 1 And this is home number 2 Let's say they are houses of the same kind I live in three bedrooms; Silicon Valley with 2 baths It is a small town I want to stay at home like that It's not much different from the house I live in Because the houses are the same Living here is the same experience I can rent this house for $ 3,000 a month Or I could buy this house for $ 1 million Now let's talk about my bank account Let's say I have $ 250,000 Let's see what happens in the future Let's see how much money you have saved So what does the future hold? I'm renting When paying once a year Let's see how much money goes out of my pocket I had to pay $ 3,000 a year If I multiply $ 3,000 by 12 months, I lose $ 36,000 Then I will look at the loss Because I use it when renting Because the rent is $ 36,000 a year Yes, because I have nothing to do To deposit in a bank I didn't buy it Let's say I can save at a bank Suppose I put it on a CD And I got 4% So, what I think is $ 10,000 That's 0.04 In fact, I earn $ 10,000 a year So I got $ 10,000 So that adds up to $ 10,000 per year Good weather in Silicon Valley The privilege of living is Each year, I have $ 26,000 out of my pocket This is a promising prospect My family brokers Due to pressure from factory mortgages Would I buy a house for $ 1 million? Most people who buy me a house for $ 1 million But that's more than $ 250,000 I only have $ 250,000 So I need to borrow $ 750,000 So I made a $ 750,000 mortgage contract I'm going with this little idea More on that in the future It has to be complicated In many mortgage contracts, when you make a monthly payment If your monthly payment is in the beginning, It's just the interest of your loan Then your loan portfolio You will need to pay a little extra for the reduction Such payments are called rules You can only learn the interest rate on the loan But the interest rate is the same Essentially, if you're only going for a thirty year mortgage If you are paying every month, This is a little bit more than what you have to pay, and this is a reduction The simplest form of this statement is: You have to go with the mortgage contract Other bonus and debt laws Is to cancel These are the same ideas Now, if I were only 25% off, I bought a $ 1 million home I'll have a $ 750,000 mortgage I don't know what a good standard is, 6%? Let's talk about the 6% interest rate I told you how much I had paid in interest I have to pay $ 750,000 at 6% interest every year So 0.06x $ 750,000 equals an interest rate of $ 45,000 This is the money that comes out of my pocket If the monthly payment is a monthly interest rate, It means coming up with a new idea I'm paying about $ 3700-338 per month per month In fact, my mortgage contract sometimes pays around $ 4,000 a month So I have to pay the interest This is to reduce the whole value of the loan It will take about 30 years to complete all this debt Over time, interest rates are low There will be more rules The simplest form is the interest rate I'm paying $ 45,000 a year When I talk to a party That's it A mortgage payment contract is something to be careful about before paying it off The sum before the interest payment is calculated It was used as an interest on my contract Costs can be deducted from my paycheck That's less than the $ 45,000 I actually earned You can tell the IRS So if I say 30% before I pay the interest What is saving money? I can maintain 30% I have to pay $ 15,000 for taxes How does it work? Well, let's think Let's say I can earn $ 100,000 a year Normally you have to pay 30% Normally you have to pay $ 30,000 in taxes That is true Collected to protect the house No tax Now I have interest In fact, I'm one year old He told the IRS that he could find $ 55,000 Let's talk about my 30% tax In fact, if only these taxes were reduced The simplest form would be to assume that my taxes were $ 3,000 I am now paying the IRS $ 16,500 So how much tax have I collected? .

$ 45,000 coming in Customs must collect $ 13,500 in taxes So let's talk about adding $ 13,500 Now what else is there to solve for this equation? Can I get $ 250,000 interest? Fine No, not at all I have to use a spending deduction to pay for my house So I have no interest But what I have is I have to pay customs for my products In California, the property tax is Only 1.25% pay So, just 1.25 percent? So tax is a product tax In fact, if the tax is actually deducted Will be 0.75% or 1% Let's talk about 1% with simplicity Property taxes. Rest 1% times $ 1 million. That equals what? 1% of $ 1 million is another $ 10,000 a year in property taxes. And notice, I'm not talking about what percent of me mortgage goes to principal pay. I'm just talking about money that's being burned by owning this house. So what is the net effect? I have a $ 13,500 tax savings. I have to pay $ 10,000 – actually I have to pay a little bit more than that, but we're getting a little bit of income tax savings on the deduction on the property taxes.

And then I actually have to pay the $ 45,000 of interest that just goes out the door. So I'm paying $ 41,500. Notice, none of this $ 41,500 is building equity. None of it is getting saved. This is money that is just being burned. So this is a completely comparable value to this $ 26,000. So in this example – this example isn't that far off from real values. Out here in the Bay area, I can rent a $ 1 million house for about $ 3,000. But in this situation I am burning, every year $ 41,500, where I could just rent the same house for $ 26,000 out of my pocket, when I adjust for everything.

And then people a couple of years ago said, oh, but houses appreciate. And that's what would make it up. But now you know, very recently – we know that that's not the case. And in the next video, I'll delve into this, and a little bit more. I'll see you soon. .

The first thing Emily needs to understand
is that buying a home is often more expensive than renting one. Emily is stunned. Why is that? Well, the reason is simple. In addition to a hefty down payment, large
monthly mortgage costs and the one-time closing fees associated with buying a home, you’ll
also have to foot the expenses your landlord is currently covering, like maintenance, property
taxes, and insurance. As you can imagine, this can lead to a pretty
expensive monthly payment relative to renting. Plus, residential real estate isn’t really
a very good of an investment. From 1890-1990, home prices on average only
increased about 0.3% a year after inflation. To put this in context, the U.S stock market
returns about 7% a year after inflation on average. This huge difference allows a renter to build
wealth more easily than a buyer. All the renter needs to do is take the cash
they’d save by renting and invest it with a robo-advisor for a 7% post inflation return.

If that sounds difficult, don’t worry, our
two videos “How to Invest” and “401(k) and IRA 101”, will teach you everything
you need to know. By now, rather understandably, Emily is confused. Everyone has always told her that buying a
home is a great move. Were they all just wrong? The response is simple. Of course not. Homes do have value: their loan interest is
tax-deductible, they can provide a stable place to raise a family, and they can provide
their owners with flexibility and a strong sense of pride. The trick is to avoid deluding yourself into
thinking buying a home is always a slam-dunk financial decision. It’s just more complicated than that. That’s why we highly recommend calculating
the financial tradeoffs using our recommend calculator. That way, you’ll be able to understand the
full scope of the situation and make an informed decision. Hopefully you and Emily now better understand
the rent vs. buy decision. Be sure to check out our next video, which
covers the basics of mortgages, and be sure to check out our website, where you can find
great real estate agents, mortgages, and more educational content..

This one particular
client of mine came to us at our buyer consultation and they literally had a
zero credit score. They had no open lines of credit, no debt, no credit cards and we
were able to help them purchase a property, within one month of them coming
to us and asking for our help. If you're worried about credit and are thinking
about buying a home, please feel free to contact me for a free consultation and
we can definitely talk about your specific situation and how we can help
you get your credit to where it needs to be so that you can purchase a home.

In this amount of days they don't do that with HUD foreclosure
so there's no deeper searching and you can buy today and sell today meaning that you can do
back to back transactions on HUD foreclosures the number two reasons why I love these is that
a whenever you are bidding on a HUD home you are actually bidding against
a computer not against a person so whenever you
submit an offer your bidding against a computer meaning
that you you put the offer in and then the
computer is telling you yes or no if you got that property or not bidding against a computer and knowing that
you can be absolutely deadly with it because that has to mean
that computer has pre written guidelines in it saying that they will accept this percentage or that
percentage and then they will always counter at these percentages so if you
know the percentage on what that computer will take you can
get really really sexy with it There system is so on made that I can even tell you whenever you submit your offer on a HUD
home when you are going to hear response from their computer it's gonna be the next
business day on when they either accept your offer or they counter your offer now if they
accept your offer they're gonna come in at 11 a.m.

on your time zone if they counter your offer they're gonna
come and on 3 p.m. on your time zone guys stay tuned to next week system Saturday I'm gonna give you all
the details on how we bid on these homes live I'll see you there good.

You don't have $ 400,000 and you will have to borrow some money. You saved 100,000 on down payment. Deposit 100,000. You will have to borrow the rest. You'll borrow 300,000. Now, a traditional mortgage that is for a fixed term, maybe 15 years, maybe 30 years. Every month you pay for a mortgage account, some of that goes with a traditional mortgage on loan repayments, and something goes on interest payments, and the rest loan repayment. For example, let's say you pay a mortgage payment of 1,800 monthly. Soon, interest may be disproportionate. It could be, say, 1,500 per month on interest and $ 300 actually in loan repayment, to repay this $ 300,000 loan, and after the loan is repaid at the end of your mortgage term It can go another way where you pay much more in installments every month. Maybe it's 1,500 and the interest, .

Second: Verify the site, yes I heard correctly: You need to verify again the site Because we hear … customers complain about the site And that they have been cheated, because you will see many companies It advertises projects on specific sites but in reality it is the project they are trying to sell Totally elsewhere !! For example "Beylikdüzü" or "Bahçeşehir" These places in Istanbul have very good names and are well known places in good locations The environment and everything is fine and luxurious, but the projects are actually in 'Esenyurt'. While mentioning in their ads that they are in 'Beylikdüzü' It is like if you wanted to buy in the Dubai City Center But when you go see the project on the ground, you find it in "Sharjah" !!! Three: Payment terms Will you buy cash? Or do you want to buy in installments? Some companies Which makes amazing payment plans for three, four or five years There are absolutely no benefits.

Purchase in installments without interest, of course It can be very profitable for you compared to cash purchases, you need to check You need to negotiate when the purchase is cash, how much discount do they offer? Because that shows you already Whether or not they have added benefits privately within the installment plan or not, yes they will tell you That there are no benefits, but if they offer huge discounts when buying in cash This means that they have already added hidden benefits, so you should negotiate them well, and if not you can To negotiate on your own, let us negotiate for you Fourth: Title-Deed is the most important point Imagine buying a car, but the car license will be in the name of someone else do you accept this? You will pay and someone else will own the car This will drive exactly the same car in the apartments when buying Real estate You should always ask for a title deed even if it is a method Pay by installments, so there is no problem because the real estate developer can transfer the property To your name and put a mortgage visa on the title of the property that you buy within the installment plan This will make you guarantee your right, and the developer will guarantee its right Always and never ask this question, even if you are buying in cash or in installments Title deed is the most important because it shows you that you own this property For more questions Visit our website vipproperty.com fill out the form and wait for a call from us Thank you so much

Now guys, and girls, I always like talking
with friends, family, and acquaintances outside my marketplace who have purchased a home to
learn about how their home-buying process went and if there’s anything that their
agent did in their marketplace that I can add to my repertoire here in the Arlington/DC
area. But instead a lot of times instead, what I’m
hearing is that they had a less than stellar experience, or their agent wasn’t all that
good, they had to do all the work they thought their agent was going to do. And the worst part is, it’s not all that
surprising. There’s a lot of great agents out there,
and there’s a lot of not so great agents out there. But when I go further and ask them how they
found their agent, it usually seems like they did very little homework. Maybe they went into an open house, wanted
that specific house, and used whatever agent was holding that home open. Maybe their Uncle told them to use a certain
agent.

Or maybe their Uncle was their agent. You see what I’m saying? The point of all this is that it doesn’t
seem like some buyers out there are doing their homework when it comes to hiring a buyers
agent. For the amount of time that buyers are spending
on Zillow, on Redfin, or even their hard-earned weekends going out and researching homes in-person,
some buyers just aren’t doing their due diligence to vet their real estate agent. And when problems occur down the line, they
wonder how they got to that point. And it’s for that reason that I have 10
questions you should ask your agent when looking to buy a house. Let’s begin. Question 1: How long have you been in business? And there’s no right answer here, but there
is a wrong answer.

You probably don’t want to hire an agent
that has only been around for 1 year or less. You just want to make sure your agent is capable
and has some experience. 20 year track record isn’t necessary. Just make sure
that you won’t be your real estate agent’s first transaction. You can’t teach experience so first and
foremost, make sure your agent has been around the block a few times.

Question 2: Why did you get into real estate? You’re going to be spending a lot of time
with your agent. You want to understand how and why they work
they way they do. This question will uncover your realtor’s
motivation to get up everyday and serve you as a client. Again there’s no right answer here. But get to know your agent, how they operate,
because most realtor-client relationships break down over lack of communication or miscommunication
so if you can understand where your agent is coming from, that will help
you out a lot.

Question 3: How many clients are you working
with? You want your agent to have enough time to
dedicate to you and your search, but at the same time, you don’t want to be your agent’s
only client…why not? Well what happens when the deal goes sideways
and you’re thinking about backing out. If you’re that agent’s only client, well
that agent needs to put food on the table! They might try to save the deal when you don’t
want the house anymore because you are their only hope for a commission that month. And what if your agent says they are working
with 50 clients currently. Is this a bad thing? Well it probably means that your agent is
very successful and has efficient systems and processes in place to get things done. Now you never want your agent’s schedule
to cost you a showing or to delay getting an offer in.

However, depending on the level of service
you are looking for, you should hope that your agent has a few too many clients, rather
than too few clients. Question 4: Will I be working with you or
your team? The team model is becoming more and more popular. Be sure you know what type of relationship
you are signing up for. I actually think the team model is OK and
don’t see much wrong with it. Usually the way it works is that there will
be a showing agent, there will be an administrator, and there will be the main buyer’s agent
that does all the negotiating. It’s just like when you go to the dentist. The head dentist that’s been in business
for 20 years and has his name on the side of the building isn’t checking you in and
scheduling your next appointment at the front desk, right? There are systems and processes in place.

The dentist is looking over everything to
make sure it’s smooth sailing then he or she comes in at the end to check in to make
sure you’re happy. Whether you’re working with a team or individual,
I think both are OK, but you as a buyer need to know which one you’re getting so there’s
no strangers showing you houses along the way. Question 5: What area do you primarily do
business in? So with all these questions, they should all
be asked at your initial buyer consultation in-person at a face-to-face meeting. But hopefully this question was already asked
over the phone by your agent. Sometimes it gets lost in the shuffle, which
is why I’m including it. And while this question is primarily to confirm
that your agent knows the areas you’re looking in, it’s also for the agent to confirm they
want to spend time in those areas. Because if you call me up or if we meet in
person and you’re telling me you’re looking 45 minutes out of my primary market, I might
end our meeting pre-maturely to save us both some time.

You don’t need your agent to know every
block of the areas you’re searching, as a real estate agent, you should know every
block, that’s a whole nother story. But you want to make sure your agent is familiar
with the neighborhood and knows their way around town. Question 6 – What sets you apart from other
agents? It’s almost 2018 guys, real estate agents
and the industry is under attack, as it should be.

One of the reasons is that it’s very difficult
to see the difference between real estate agents and to see the value that an agent
brings to the table. Ask your agent what they do differently or
what sets them apart. They should be prepared to give you an immediate
answer. I’ll give you an example for myself. In fact, I’ll give you 3 examples. 1). I was born and grew up in my marketplace. Arlington is a very transient area. Not many people that live here were born here. 2). I have 150 videos on Arlington, Virginia real
estate. I don’t know of any other agent in my marketplace
that has 150 videos on the local market.

And 3) I live in the type of inventory I sell. I don’t drive a Honda to the BMW dealership
and sell BMWs. I live in my marketplace. I sell condos next to the Metro, I live in
a condo next to the Metro. My lifestyle is congruent with my actions. Be sure your agent has something, anything
that sets them apart. If they are stuttering or stammering, that
might be a red flag. Just like you saw me light up when I was talking
about myself, your agent should be chomping at the bit to tell you how they are different.

Question 7- How do your fees work? Most of the time the fee that you pay your
buyer’s agent is already figured into the sales price and has already been set by the
seller which means there’s no extra out-of-pocket expense on your end. Sometimes though buyer’s agents will have
administrative fees or a desk fee that is passed down to you at closing. This could be anywhere from $200 – $400. If the agent brings this up, ask to see if
they will waive the fee. The last thing you want is to enter into a
contract and not understand how you are paying your realtor so be sure you understand this
before moving forward. Questions 8 – After hearing my needs, what
do you feel would be the best strategy moving forward? After an in-depth conversation, your agent
should have a clear picture of the best ways to find the property you are looking for. This could be a combination of setting you
up on an automated search, I know, you already get notifications from your apps when a new
property comes online, but the agent’s search will be faster. Your agent may also suggest going to open
houses, and if your agent is really creative and you know the exact property you’re looking
for, direct mail and even door-knocking could be the answer here.

You want a plan, any plan, and hopefully it’s
something more than just an automated search. Question 9 – How will we communicate? Like I said earlier, a lot of times when a
client has a bad experience with a realtor, it’s because of communication. Both parties need to be on the same page on
how communication will take place. If your agent prefers long phone calls once
a week, and you prefer quick text messages every few days, well clearly communication
will be a challenge. Figure out what mode of communication will
be best, email, phone, text, and how often communication will take place so that everyone’s
expectations are met. Question 10 – What questions do you have for
me? This might be the most important question
of them all. You better hope the agent has some questions
for you.

It’s like at the end of a job interview
and the interviewer asks the job applicant if they have any questions, and they say No,
well it just shows lack of interest or ignorance. Your agent should be asking questions like
how long have you been looking, have you seen anything you like, have you written any offers,
you get the idea. Any question is better than no question. The questions should go both ways, it should
never feel like an interrogation on one side or the other. The agent should be genuinely interested in
your search as opposed to setting you up with an auto-email and forgetting. Setting and forgetting. Right, you don’t want that. You don’t want a passive agent, you want
a proactive agent. Alright there you have it, 10 questions to
ask your buyer’s agent. I hope you found this video helpful. If you did, be sure to hit that thumbs up
button and subscribe to my channel if you haven’t already for weekly real estate videos.

If you have any other questions that you would
ask a real estate agent that I might have missed, I would love to read them in the comments
section below. Alright, thank you very much for watching,
until next time, create a productive day. Take care..

"I'm gonna run into a show home, "I'm gonna go talk to a
realtor and look at a house." but the biggest thing is you need to talk to a mortgage broker, a bank, you need to understand what
you're actually qualified for. Those mortgage calculators
on the internet. – Yeah. – They're fun.
– They are fun, I like 'em. They're not accurate because
– Oh, no. – You could be very let down
if you put the numbers in and think, "Oh, I could
buy a $500,000 house, "run and go see Yang," and then you write an offer and
everything falls apart. So, pre-approval is important and the reason, the difference
between pre-approval and pre-qualification is pre-approval they actually pull your credit. Pre-qualification is
just someone at the bank just quickly running quick numbers and saying here's your pre-qual. That's not good enough
because they may not know that maybe you went
bankrupt a couple years ago or you have some big car loans or leases. And so that's going to affect
your ability to buy a home. So that's the first one. – Yeah, so remember,
always get a pre-approval not pre-qualification.

– Right. Second thing that you wanna think about when you're buying a
home is the equity gain in your property, so is
that important to you? So, people think, do you
know what equity gain is? – No, I'm not sure. – So, when you buy a
home it's worth X-amount, let's say $450,000. In five years when you
wanna sell your house, you're assuming that
the value is now higher. – Yep.
– Let's say 475. – Okay. – So you're expecting
your equity in your home to gain $25,000. If that's important to
you, you have to think about the type of home you're buying and the area you're buying in. Some areas don't have the
same type of equity gain. – Okay, so in Edmonton,
what would you choose as a quadrant then for
highest amount of (mumbles) – Highest amount of equity gain? – Yeah.

– The River Valley neighborhoods. Anything River Valley.
– Okay. – The lowest areas, suburban areas outside the Henday. – Oh.
– Just because you think about the demand, right? So, River Valley areas, there's not new land popping up there. You have to buy a house and
rip it down or renovate it. The new areas in Edmonton keeps expanding, so there's still more inventory. It's the demand. – Okay. Number three? – So, number three is make sure you don't let emotions make a decision 'cause it's–
– No emotions. – This is why I said it's so important to have a realtor working on your side, 'cause we're here to
kinda help balance out what you want, what you need, and making sure you make a decision not based on just what you love. 'Cause sometimes what you love, let's say you're like,
"Oh, I love this home.

"It's got so many
upgrades, blah, blah, blah" but it back onto the
Anthony Henday. (laughs) And some people think,
well I can afford it so that's why I'm gonna do it. But that's letting your
emotions make a decision and that's not always a good thing when you're buying a house. You ideally wanna stay in your home for at least five years.
– Yep. Because if not, your equity falls down and then you're losing
money when you sell. And a quick note, when
you're in a declining market, like we are right now, five years is not necessarily long enough to stay in your home
to actually gain value, so you gotta think a little bit long-term.

– Okay.
– Yep. – Okay, no emotions when buying home. Just make sure–
– Not no emotions 'cause obviously it's a
very emotional decision. Maybe you're expanding your family so it's fun but you just gotta make sure you're balanced with
all that kind of stuff. – Gather the information, digest it, think overnight, and then make a decision. – Right and have a professional
kinda guide you along. Like you have a financial advisor, – Yep.
– Right? You're not making
investments for yourself. Usually you have a financial advisor helping you make decisions based on what you're looking for. – Okay. – So fourth thing is as
a first time home buyer did you know you can access
your RSP for down payment? – Yep.

– So that's a big thing. There's also usually incentives, it always changes depending on government but there are also some other incentives as first time home buyers, as well. And down payment, again,
that's a big thing. Where are you getting
your down payment from? If you are accessing your RSP, you have to understand
that it will take some time to take it out, in terms of the timeline of buying a home.

If you're getting a gift from your family, can not be a friend, has to
actually be a family member. – Family member.
– Yeah. – Blood related.
– Yes. It's the government rules, nothing that can be done about that. So, just knowing where your
down payment is coming from and making sure it's accessible. There's a lot of little nit-picky things about that, too 'cause mortgage rules have just gotten really strict but as a first time home buyer, make sure you know where your
down payment is coming from before you start your search.

– Okay and then number five I think is pretty important, right? – Yeah, number five's my favorite. So, you signed off, you bought a home, let's say your building with Sterling or you've bought a resale home and you've removed
conditions, so it's sold now. Now does not mean from
now until possession, let's say three months or two
months or a month from now is the time to go buy a
new car and get car leases, or go get furniture on credit,
now you can buy furniture if it's all cash but if
you're putting credit, that is not a good thing. And why it's not a good thing is that you could possibly not qualify for your home, which
is a very scary thing. So, when you're about to
get keys the next day, you find out, oh my goodness, I can't actually afford to buy this home.

– Yeah, don't buy a new Porsche. – The total debt service
ratio that they use, you could be really tight. Now, you might have enough
room but just rule of thumb, don't get into massive debt
right before you buy a house. – Yeah, maybe after you receive your keys when the credit shows and
you have the house already, then you can go car shopping. – Right.
– Or furniture shopping. – Right. – Okay, thank you Melody–
– You're welcome. – For touching on that. Thank you so much for
tuning into this episode of The Home Buyer's Academy,
presented by Sterling Homes. Don't forget to subscribe below and click on that bell button to get a notification for
every time we post a new video. Thank you..

Finally, mortgages also come with three rather
unique expenses. The first is closing costs: a group of fees
charged by the lender when creating the loan. These fees generally range between 2 to 5%
of a home’s purchase price, but can be even more if you chose lower your loan’s interest
rate by buying what are called discount points, each of which are worth 1% of the loan balance. The second expense is property tax, which
is a tax based on a percentage of your home’s market value. For example, if your local property taxes
are 3%, and your home is worth about $100,000, you’d pay $3,000. The last expense is insurance, and it comes
in two forms. The first is homeowner’s insurance. This insurance is required to get a mortgage,
and will protect Emily in the event that her home is damaged, or someone is injured on
her property. For more details on this, be sure to check
out our video “Homeowner’s Insurance 101”.

The second form of insurance is private mortgage
insurance, or PMI. This is a monthly fee lenders charge to offset
the risk of the borrower not repaying the loan. While that can get expensive, PMI is not a
universal requirement; as only those with less than a 20% down payment are forced to
get it. But wait, hold up. What is a down payment? Well, generally when purchasing a home, lenders
will require people to use a combination of both their own money, called down payment,
and debt.

For example, if Emily wanted to buy a house
worth $100,000, and was asked to put 20% down, she’d pay $20,000 and the lender would cover
the rest. While this certainly sounds expensive: a 20%
down payment remains the gold standard in the industry for three good reasons:
One: You’re far more likely to be approved for a mortgage. Two: You can avoid the monthly PMI fee. And three: Lenders will offer you a lower
interest rate. However, if Emily can’t afford a large down
payment, she can still apply for a FHA loan. These are loans issued by private lenders
but insured by the government, which translates into much lower credit score and down-payment
requirements, as little as 3.5%. Hopefully you and Emily now have a better
understanding of how mortgages work. Be sure to check out our next video, where
you learn how to actually get a house and a mortgage, and be sure to check out our website,
where you can find great real estate agents, mortgages, and more educational content.