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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 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

Feb 3

Rents Are Continuing to Increase

According to the Harvard Center for Joint Housing Studies, rent increases are continuing to outpace inflation.  This means that renters are seeing their costs increase, and it could make homeownership even more attractive. Part of the rise in rents is due to the fact that rental vacancies are also at very low levels. If you or anyone you know is being squeezed by rental increases, it may make sense to do a buy vs. rent analysis for your situation. Please contact me for further details. Source: CMPS Institute

Feb 1

How the Standard Deduction May Impact You

A tax deduction is an expense that we can subtract from our income before paying taxes on our income.  For example, if I earn $100,000 per year, and I have a $10,000 tax deduction, I would only have to pay income taxes on $90,000.  Taxpayers can either itemize individual tax deductions (such as qualified home mortgage interest and property taxes), or they can take a “standard deduction,” which is a flat amount. In 2019, the standard deduction is $12,200 for single taxpayers $24,400 married taxpayers who file a