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  • Deborah Argenta | Deborah Argenta Associate Broker Blog

    Tuesday, June 9, 2015   /   by Deborah Argenta

    Mortgage Payment Timing Can Save Indianapolis Buyers Thousands!

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    It can be a true three-ring circus as you close in on signing day for your new Indianapolis area home. Sometimes there’s a near-simultaneous sale of the previous house that demands attention. There are the timing issues connected with moving out and then moving in. You may be dealing with furnishing the new house, school schedules, and sometimes work requirements have to be juggled; and everything seems to be happening at the same time.
    Amidst all the details you are attending to, there is one that appears so simple that it may not get as much consideration as it deserves. Seeming almost like a non-decision, this one actually has major implications. It’s a true ‘sleeper.’
    The subject is your decision on how you want to time the new mortgage payments for your new Indianapolis area home. It turns out that “once a month” is not necessarily the best answer.
    Many lenders offer a variety of mortgage payment options ...

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    Monday, March 9, 2015   /   by Deborah Argenta

    Turned down for a mortgage loan? Don't give up!

     
    When you want to own a home here in the Indianapolis Area and know you are ready for that step, don't let a rejection from one lender dash your hopes.
     
    Different lenders have different guidelines and interpretations of guidelines. Some are willing to make exceptions that others are not. So the fact is, while one lender may reject your application, another might welcome it.
     
    If you've gone to your local bank and been given a "no" proceed to a mortgage broker. Mortgage brokers are paid on production and are more willing to explore options with you. In addition, they have multiple sources and will research those sources looking for a loan that fits your situation.
     
    Credit Unions can also be a good source of loan programs that other banks don't have.
     
    So don't give up. If you know you have the down payment funds you need, a steady income, and a history of paying your bills, keep trying.
     
    You may not yet qualify to purchase the home of your dr ...

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    Tuesday, March 3, 2015   /   by Deborah Argenta

    The Fed Finds Financial Rewards Follow Buying a House

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    Tuesday, February 24, 2015   /   by Deborah Argenta

    Indianapolis Area Property Buyers Make Lasting Deed, Loan Decisions

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    Monday, February 23, 2015   /   by Deborah Argenta

    Home Buying: The Features You Want vs. the Features You Need

     

     
    Have you determined what features your new Indianapolis home absolutely must have?
     
    Often, buyers approach the home search without a clear idea of what they're looking for. They think "they'll know it when they see it" so spend a lot of time viewing homes that just won't do. Others have a long list of "wants" and become frustrated because no one home offers all of them.
     
    Save yourself time and streamline your home search by making two lists. The first is for those features and benefits that your new home absolutely must offer.
     
    For instance, you might work from home and require an office or an extra bedroom to turn into an office. Put that on the list. You might be a gourmet cook and would be miserable without extensive counter and storage space in the kitchen. Put that on the list.
     
    You might be a musician and own a grand piano – your list needs to note that you need a room large enough to accommodate that piano.
      ...

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