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Jeff cooper

NMLS ID 1115139

760-855-8825 jeffcooper475@gmail.com

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Blog Image: What Costs Can I Expect as a Home Seller?

What Costs Can I Expect as a Home Seller?

When you bought your house, the fees you paid included the closing costs for your mortgage, your down payment, and maybe some mortgage points. Now that you are ready to sell, there are a few more costs that you need to anticipate. In fact, according to Realtor.com, sellers often pay between 6% -10% of the sale price in fees and commissions. Real Estate Agent Commission Fees It is customary for home sellers to pay both the seller’s and the buyer’s real estate agent commission fees out of the proceeds of the sale. The standard rate is 3% for each, totally 6% of the sales price ...

January 15th, 2020 | Mortgage Advice, What Costs Can I Expect as a Home Seller?

Blog Image: 6 Tips to Get a Rock-Bottom Home Loan Payment

6 Tips to Get a Rock-Bottom Home Loan Payment

Buying a home can be an overwhelming process, especially if it is your first time.  It can be easy to get swept along in the process without stopping to make sure you are getting the best deal on your mortgage payment. There are at least six ways to ensure that at the end of the homebuying adventure you end up with the absolute possible lowest home loan payment. Negotiate for the Lowest Interest Rate Once you have been approved for a mortgage, you will be offered a mortgage interest rate by your lender. That rate can sometimes be negotiated. Your lender may suggest ways you could ...

December 11th, 2019 | Mortgage Advice, Purchasing a Home, 6 Tips to Get a Rock-Bottom Home Loan Payment

Blog Image: How to Make the Most of a Home Inspection Before You Buy

How to Make the Most of a Home Inspection Before You Buy

Once you’ve put an offer on a home, the excitement sets in and you can’t wait to close. But there are some important things that need to take place before that day, namely a home inspection. You cannot see all a home’s issues from a walk-through. You need a professional to dig deep by checking all the inner workings. In fact, a home inspection is typically required by your mortgage lender so that you do not end up with major repairs after the loan closes that might compromise your financial situation. Here’s how you can make the most of your home inspection: Find a T...

November 27th, 2019 | Purchasing a Home, Mortgage Advice, How to Make the Most of a Home Inspection Before You Buy

Blog Image: 6 Reasons to Become a Homeowner

6 Reasons to Become a Homeowner

Home prices have been on the rise for a while now and news stories abound with first-time homeowners being priced out of the market. As breaking into the housing market seems daunting today, some people may ask themselves if reaching for the goal of homeownership is truly worth it. The answer is yes! And here are the top 6 reasons why: Pay Yourself, Not a Landlord One of the most frustrating parts of renting for many people is the feeling that they could be using their monthly rent costs to invest in their own place rather than giving it away to a landlord. When you buy a home, your mo...

October 16th, 2019 | First-time Homebuyers, Mortgage Advice, Purchasing a Home, 6 Reasons to Become a Homeowner

Blog Image: Is a Bigger Down Payment Always Better?

Is a Bigger Down Payment Always Better?

In the homebuying process, if you find yourself in the enviable position of having more cash than needed for a minimum down payment, it may be difficult to know just how much you should put down. A larger down payment can bring plenty of benefits, but is it always best to contribute the biggest down payment possible?  First, remember that every loan program has its own down payment requirements. FHA loans for example require a minimum of 3.5% while jumbo loans will require at least 10%. To get a conventional loan without PMI you’ll need 20%. USDA and VA, by contrast, do not requi...

September 25th, 2019 | Purchasing a Home, Preapproval, Mortgage Advice, Is a Bigger Down Payment Always Better?

Blog Image: How To Consolidate Debt with a Refinance Loan

How To Consolidate Debt with a Refinance Loan

Americans have a lot of debt. As of mid-2019, U.S. borrowers owed a total of $1.4 trillion in student loans and another $1.07 trillion in consumer credit card debt. And then of course there’s the $1.28 trillion in auto loan debt. Add in first and second mortgages, home equity loans, boat and RV loans, medical bills and personal loans and it's clear that many Americans are carrying a heavy debt burden. If you are a homeowner and fall into that category, you might consider consolidating your debts by refinancing your mortgage. What is Consolidating? Consolidating your debt means ...

August 21st, 2019 | Refinancing a Home, Mortgage Advice, How To Consolidate Debt with a Refinance Loan

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