Mortgage Rates: Why does it feel like Bait and Switch?

When you look at mortgage rates – whether on line, a sign in the bank window, or in a newspaper – you’ll see a simple interest rate as well as something called APR. Yet it seems that neither is the rate that you get at the end of the day. Why is that? Does it go up depending on how gullible you look to the lender? No, there are good reasons for the final rate you get quoted. First, let’s first look at the two types of rates just mentioned, then we can look at how the rate that you get in the end will be determined.

Pricing your Home for Sale

Pricing your home for sale simply means deciding what the Asking i.e. Listing Price of your home will be. In other words, deciding on the dollar amount that you and your agent will ask for your home in all the published data bases and marketing materials. Typically, a serious estimate of the home’s worth i.e. value is the starting point. The objective is to price the home – bearing in mind its estimated value – so that you will get the highest possible Sale Price. Of course, the Sale Price isn’t final until the house is actually sold. So, let’s look at each of these things and discuss how to price your home strategically so you get the highest Sale Price. That’s the bottom line, isn’t it?

Real Estate Internet Fraud: Buyers Beware

What do you know about internet fraud? If a Nigerian prince wants to “get to know you” on-line would you correspond with him? If a foreigner sends you an email saying he would like to make an offer, sight unseen, on your property which is not even on the market, would you pursue it? If you get an email from a financial institution with their logo asking you to send them your account number and social security number for confirmation purposes, would you email those things to them? By now we’ve all seen – and heard about – enough of these types of scams to laugh at them…or at least to just delete the emails.


What exactly is a listing agent? What kind of license does a listing agent need? Can the agent who helped me buy my home help me sell it? How do I find good listing agent leads? How do I figure out which lead is likely to be the best listing agent for me and my home? For the answers…read on!


Why do more than 90% of homeowners in the Greater Boston Area use a Seller’s Agent or Listing Agent to sell their homes? In a hot market like Greater Boston, don’t properties practically sell themselves? Can’t I just sell my home on my own without an agent…and save a hefty commission? These questions are very compelling if you are planning to sell your home and can afford to devote time to a do-it-yourself sale.

BUYER AGENCY AGREEMENTS (Massachusetts) – To Sign or Not To Sign?

Why is there so much paperwork involved in buying a property? Sometimes, it seems that buyers look at more documents than homes. There are things you need to sign before you even see a single property. And that’s just the beginning of a steady stream of documents that need your signature before the closing is over. It’s no coincidence that people fondly refer to the closing as “passing papers”. But we’re getting ahead of ourselves. At the very beginning of the process you have to decide how to work with the Great Buyer Agent you’ve found and whether to formalize that decision in writing…in a Buyer Agency Agreement.

BUYER AGENT – How to Find a Great One

There are many ways to find buyer agent leads: troll open houses, ask your network for referrals, search on-line real estate software (Zillow, Yelp, Trulia, Google, etc. LINKS)…the possibilities are almost endless. But there is only one way to find a GREAT buyer agent – by carefully interviewing and researching the agent leads you gather. Good buyer agents should be willing to meet with you to discuss their services and your needs before you look at property together. Here are FOUR things to ensure that you will not only select a GREAT buyers agent, but also the BEST buyer agent for your personal needs!

6 Steps to Selling a Home

If you are embarking on the journey of selling your home, remember that this is a process that does not happen overnight. You must be patient and willing to negotiate. You will probably encounter frustration at times. But, don’t let that discourage you. The satisfaction you get in the end when you close on the … Continued

Staging Your Home to Sell

Selling a home is often a delicate dance between buying a new home and selling the old one in a way that doesn’t strap the family financially. Then, there’s the seemingly impossible but very important balancing act where you must live in a home while making it look like a home full of showroom style. … Continued

Mortgage Loan Basics

Home buying and mortgage loans go hand in hand for most people as one is usually not possible without the aid of the other. As a product, mortgages are hugely profitable for banks and other kinds of lenders. But it is a competitive field – rates and conditions change according to a number of factors. … Continued