Molly Horak is A Ramsey Trusted Endorsed Local Pro
What Is the Mortgage Underwriting Process?
RAMSEY SOLUTIONS
"So, you’ve been looking at homes for weeks and you finally found one you just loved. Kitchen with granite counters? Check. Open floor plan? Check. Big backyard for the dog? Check! It was all fun and games until you started the mortgage process."
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Types of Mortgage Loans: Which Is Right for You?
RAMSEY SOLUTIONS
"It feels like there are a bazillion types of mortgage loans to choose from. That’s because mortgage programs keep inventing new ways to “help” people who aren’t financially ready to buy a house to buy one anyway."
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Closing Costs: What Are They and How Much Will You Pay?
RAMSEY SOLUTIONS
"Buying a house can feel like a long slog. From the viewings to getting your ducks in a row through to closing day, it can all feel pretty stressful. And then there are the closing costs."
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What Is Earnest Money and How Much Should I Put Down?
RAMSEY SOLUTIONS
"People in the real estate business absolutely love their jargon. During the home-buying process, you’ll likely hear a bunch of complicated phrases tossed around like candy at a parade. But if you’re new to it all, it can feel more intimidating than fun."
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What Is a Home Warranty? Is It Worth It?
RAMSEY SOLUTIONS
"Nothing’s worse than buying something and having it break shortly after. It’s even worse if what broke was super expensive! That’s why extended warranties were invented."
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What Is Steering in Real Estate?
RAMSEY SOLUTIONS
"Have you ever wondered why a real estate agent wouldn’t directly answer one of your questions? What are the best schools in this city? or Is this neighborhood safe? may seem simple enough to address. But if your real estate agent isn’t giving you a straight-up answer, it might not mean they’re a cornflake after all. In fact, they’re likely trying to avoid steering in real estate."
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What Is A Conventional Mortgage or Loan?
RAMSEY SOLUTIONS
"Remember when you first started daydreaming about buying a home? You were probably imagining everything from freshly decorated rooms to a breathtakingly beautiful backyard. And you probably weren’t imagining the hours you’d spend talking to your lender and researching different mortgage options."
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What Is an FHA Loan?
RAMSEY SOLUTIONS
"The best way to buy a house is to pay 100% in cash. But if you’re struggling to save up enough cash just for a down payment, then you might be tempted to get a loan that’s backed by the Federal Housing Association (FHA). Watch out, though. It can get pretty tricky."
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3 Simple Steps to Pay Cash for Your Home
RAMSEY SOLUTIONS
"If you’ve been following Dave for long, you know his favorite way to buy a home is the 100%-down plan—paying cash up front, no mortgage needed."
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What Is an Escrow Account and How Does It Work?
RAMSEY SOLUTIONS
"Escrow sounds like a made-up word someone might use to cheat in Scrabble. But we promise, it’s real! So let your opponent score those points."
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VA Loan Guide: What It Is and How It Works
RAMSEY SOLUTIONS
"Buying a home is hard work. And if you’re a veteran or serving in the military it can be more of a challenge compared to folks who aren’t. "
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What Is Private Mortgage Insurance (PMI) and How Does It Work?
RAMSEY SOLUTIONS
"Once you make an offer on a home and move through the final steps of the mortgage approval process, you will probably encounter a new term: private mortgage insurance, or PMI. Let’s take a look at what PMI is, how it works, how much it’ll cost you, and how you can avoid that sucker!"
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Housing Market Predictions: Will It Crash or Boom?
RAMSEY SOLUTIONS
"So, you’re thinking pretty hard about buying or selling a home sometime soon and want to know how the housing market is going to look. Well, housing market predictions are about as reliable as a weather forecast—no one can predict what’s going to happen with 100% accuracy. But we can check out what real estate experts are saying and make some guesses about the future from there."
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Signs of a Bad Real Estate Agent
RAMSEY SOLUTIONS
"Are you looking to buy a house? Your buddy says his Aunt Nancy is a real estate agent, so you sign a contract with her. Then you don’t hear anything from Nancy—for two weeks. Finally, she calls with the “perfect” house: a ranch-style home. But you told her you want a colonial. Oh, and it’s $100,000 over your budget!Are you looking to buy a house? Your buddy says his Aunt Nancy is a real estate agent, so you sign a contract with her. Then you don’t hear anything from Nancy—for two weeks. Finally, she calls with the “perfect” house: a ranch-style home. But you told her you want a colonial. Oh, and it’s $100,000 over your budget!"
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How Much Does a Home Appraisal Cost?
RAMSEY SOLUTIONS
"Home is where the heart is and, as they say, there’s no place quite like it. A good home is priceless. But how do you know how much those four walls are really worth?"
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(573) 447-2146
molly@susanhorak.com
www.mollyhorak.com