home buying snacks

“Realtor”

I never realized that "realtor" could mean different things. And also, (at least here in Massachusetts) the term doesn't seem to be used all that much.  Here's a break down: Realtor can mean: Selling agent: the seller's realtor. Also called listing agent. In the home buying process you will be in contact (indirectly) with this person… Continue reading “Realtor”

home buying snacks

Laughed off of the phone: a personal story

back in May of 2015, i left my job at a beauty retail store. about a month later i started working for a cosmetics company directly. i was making more money (something i found i needed to do to be able to afford a house). i gave myself a year from the start of my… Continue reading Laughed off of the phone: a personal story

home buying snacks

DTI: why you need to know your debt to income ratio before you get pre approved for a loan

okay. so we've already gone over credit score and how mortgage companies use it to be able to approve you for a loan.  while i was busy being rejected because of my credit score, I learned about another important factor that caused my rejections: DTI: debt to income ratio.  this is just how it sounds:… Continue reading DTI: why you need to know your debt to income ratio before you get pre approved for a loan