Author: Phil Zastrow

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What Factors Are Included In Your Monthly Mortgage Payments?

When purchasing a new home you will have to pay a mortgage or a set portion of the loan you took out to buy the home back to the lender on a monthly basis. However, many people just pay this money...
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If I Don't Qualify For a Home-Loan, What Are My Options?

There are a variety of options for hopeful, soon-to-be homeowners who may not have the best credit or the means to put a traditional 20% down-payment down on a home. Many people have been told that...
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5 of the Fastest Growing Florida Communities

In 2016, Florida was the fourth fastest growing state in the nation, and it shows no signs of slowing down over the next few years. Florida, like the other states on Forbes' list, is experiencing an...
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4 Key Factors to Consider When Buying a House on the Florida Gulf Coast

If you're considering a home on the Gulf Coast, there are several key factors that you should take into account when making your home purchase. By carefully evaluating those factors, you can choose...
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Options For New Construction Mortgage Loans

During the calendar year 2017, Florida issued more than 85,000 new permits for single family construction according to data provided by the National Association for Home Builders (NAHB). This means...
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USDA Loans: A Good Zero Down Option for First Time Homebuyers

Many prospective first-time homebuyers fear that the dream of homeownership is out of reach.  Certain factors, such as lack of down payment, poor credit, or low income may seem like insurmountable...
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How Often Do Sellers Pay Closing Costs?

When you close on a home, there are a lot of details to negotiate. The buyer may want the seller to take care of basic maintenance on the home before closing, or they may want the buyer to take care...
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Are Loan Officers Financial Advisors, Too?

Loan officers and financial advisors are typically two very different people. Your financial advisor may handle many of your financial concerns, including helping improve your budget and determining...
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Shopping for the Best Mortgage Rates

The time has finally come when you are ready to make that big step and purchase a home. It is really exciting and you want to start looking at homes as soon as possible. Step back a little! Many...
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5 Reasons to Avoid Traditional Bank Loans When Purchasing a Home

Purchasing a home is a big decision. From the right neighborhood to the perfect home for your family, you want to make sure that you do everything exactly right--including choosing the right mortgage...
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