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Archive | February, 2019

Feb 27

What To Do When Your ARM is Adjusting

You wake up in a cold sweat and look around your dark bedroom.  Your phone says it’s 2:07 a.m.  Why are you even awake?  You rack your brain trying to remember what bad dream your subconscious troubled you with.  Then you remember.  You have an Adjustable Rate Mortgage (ARM), and you have a vague nagging feeling it is going to start adjusting sometime in the near future.  When is D-Day again?  You don’t know for sure.  And what is going to happen anyway when it starts to adjust? 

Feb 26

Military Survivor

The Jackson Team loves our military families, and we are committed to providing respectful and considerate service. Benefits VA home loans offer zero-down financing, low interest rates and no monthly mortgage insurance for eligible qualifying borrowers to buy a home, build a home, or refinance an existing loan. Eligibility The surviving spouses of those eligible for VA Home Loans can use the loan guaranty.  You may qualify for home loan benefits if: You are an un-remarried spouse of a Veteran who died while in service or from a service-connected

Feb 17

Three Trends that Could Drive Home Prices Higher in 2019

According to the National Association of Realtors, home values across the US increased by 4.8%, on average, throughout 2018. Here are three trends that could cause home prices to continue rising in 2019: Supply The number of homes available for sale is low in many markets. When the supply is low, sellers typically have more negotiating power than buyers. This means that sellers can ask for higher prices, and buyers may be obliged to pay those higher prices if they really want to purchase the house. Demand First-time

Feb 14

Two Ways Rising Mortgage Rates Could Impact You

1 – If You’re Thinking of Buying a Home It may be worthwhile for you to consider buying a home now instead of waiting. That’s because most economists anticipate that interest rates will continue to go up throughout this year due to: Risk of higher inflation, which leads to higher interest rates A greater supply of bonds due to growing budget deficits Less demand for bonds due to the Fed winding down their bond-buying program It may benefit you to lock in today’s rates instead of waiting for

Feb 10

How to Successfully Get a Mortgage in 2019

If you’ve traveled in an airplane recently, you probably went through a security check at the airport.  These security checks are required by a federal law called the USA Patriot Act.  This very same law has a provision that requires mortgage companies, banks, and financial institutions to document your source of funds when you buy a house or refinance a mortgage.  In short, the US government has recruited mortgage lenders in its fight against terrorism!  In fact, lenders are required by law to ask you for: The exact

Feb 7

Two Ways to Benefit from the 2019 Loan Limit Increase

Interest rates on home loans that conform to the Fannie Mae and Freddie Mac guidelines tend to be lower than non-conforming loans.  That’s why it’s good news that the Federal Housing Finance Agency (FHFA) recently announced that the conforming loan limits have increased to $484,350 in 2019.  This is a $31,250 increase from the $453,100 loan limits of 2018.  In some higher-cost areas, the loan limits could be as high as $727,525.  Click here to view a map of all the loan limits across the US.   Here are two ways

Feb 6

Thinking Of Pulling Money Out Of A Retirement Account?

Clients often ask about whether it makes sense to pull money out of a retirement account to purchase a home or pay for large expenses. Here’s the inside scoop: Note: visit the IRS web site for info on any of these items and check with a CPA for details about how these general rules apply in your specific situation. Conventional IRA When you take money out of a conventional IRA, you’ll generally need to pay income taxes on the funds. For example, assume you want to withdraw $50,000 out of

Feb 6

Real Estate Investors Now Get A Special 20% Tax Deduction

The IRS recently issued some guidelines that allow real estate investors to take a tax deduction for up to 20% of the income they generate from rental properties. These guidelines were issued in January 2019 to clarify certain provisions of the 2017 Tax Cuts and Jobs Act. Click here to view the full announcement and the new guidelines. The new tax deduction is generally available to eligible taxpayers with 2018 taxable income at or below $315,000 for joint returns and $157,500 for other filers. Those with incomes above these levels

Feb 4

Special Home Loan for College Graduates

Are you a college graduate in the state of Arizona looking to secure a home loan with a Low Down Payment and NO Mortgage Insurance?  The NOVA “Yes” Professional Loan may be a great option to consider.  This exclusive mortgage program has been created to serve the needs of Doctors and other Professionals by offering up to 95% financing with no Mortgage Insurance on loan amounts between $250,000 and $1,750,000. HERE ARE SOME IDEAS: If you need access to your home equity, this loan can be used to REFINANCE

Feb 4

When is Mortgage Interest Tax Deductible?

Contrary to popular belief, mortgage interest is not always tax deductible.  Here’s the inside scoop: 1. DO YOU ITEMIZE YOUR TAX DEDUCTIONS? You cannot take the mortgage interest deduction if you are taking the standard deduction. In 2019, the standard deduction is $12,200 for single taxpayers, $18,350 for heads of household, and $24,400 for married taxpayers filing a joint return. Please see a CPA for details. 2. IS YOUR HOME A “QUALIFIED RESIDENCE”? Mortgage interest is only deductible if the mortgage is attached to a “qualified residence”. Taxpayers