Pro, Authentic & Hallucination-Free:
ProHomeBuzz.com
Comprehensive pro intel on US home market news & trends on house buying, selling & investing
What Should YOU
Expect Here?
SUMMARY
Of This PAGE
Comprehensive pro intel on US home market news & trends on house buying, selling & investing & statistics, on all Home Life Style Type.
A treasure-trove professional info for homebuyers, home sellers; home improvement & investments.
Mortgages, VA loans, credit scores, debt-to-income ratio, Down payment assistance (DPA).
Tips, Check Lists and Steps you can follow to avoid many costly mistakes
A Home Life Style Blog.
Home Dreamers:
Join Us In This Journey!
A Community Of Home Dreamers
This home life style website & blog is a community dedicated to provide authentic info about USA house market news & current Real Estate selling & buying, housing trends & statistics, across all Home Life Style Type.
Pro home buzz – which aim to resolve and/or make you aware about the many issues of home ownership... including issues of which you even never heard of!
Here are a few of the “real world” examples that come to mind:
Home Issues & Solutions
• asbestos, leaky roof, mold,
• attic with lack of ventilation (or no ventilation at all),
• water in basement, polybutylene pipes
• wall cracks Vs. foundation issues,
• did I mention lead paint?
Credit Issues & Solutions
• How to build your credit to buy a home
• How to rebuild your credit to buy a home after bankruptcy
• how to repair credit issues (legally),
• HOA issues; Can the HOA foreclosure you?
• Dealing with liens
…There are also steps you may want to follow:
Financing YOUR Home
• how to apply for a mortgage loan,
• how to apply for a VA mortgage loan,
• who qualifies for a VA mortgage loan,
• will VA guarantee a mobile home?
• who qualifies for an FHA?
• How to qualify for a mortgage loan as a self-employed?
• How to find a down payment assistance (DPA) near you?
and much, much more
Home dreamers! Join us!
Renters
I would say, especially if you are a renter: It is time for you to trade up and be a proud home owner! I would love to help YOU to own a piece of the American Dream!
Does not matter where you live int the United States, there are programs called Down Payment Assistance (DPA) – that are designed to help you shorten your distance to home ownership!
I have a list of such programs I have compiled state-by-state list so you can connect with at least one of them that will put you over the ramp into home ownership.
Pro Home Buzz Tip: Within our community of real estate practitioners, we have a saying: “If you can afford to rent, you can afford to buy!”
I am amongst the ones that will ‘preach’ that credo any day!
Most the time the big hump is the lack of funds for down payment!
That’s why here in the site/blog I go in depth about down payment assistance (DPA) -which can be found in all counties across the USA!
Just follow me along!
Good Credit
Good Credit plays one of the most vital roles on your home buying process.
You should be familiar with the term ‘credit scores,’ or FICO by now.
It is NOT unlikely that you will be able to attain a mortgage loan if your Credit scores or FICO sit below 620… However, the number of lender that will work with you will be much less AND expect to pay higher interest rates.
By the way it is said that car insurance companies will charge you more when you drop below 620. ☹
…Talking about ‘add insult to the injury!’
We will take a close look on how to build and improve your credit, get a free credit report so you can address any issues that might be preventing you from buying a home.
I will guide you how to dispute wrongfully entries in your credit records including, liens in case you are unfortunate to have those in your records.
First Time Homebuyers
BestHomeBuzz.com provides tools and technics to buy, sell and use homes as a great instrument to create wealth, transform your life style and bring you much joy and pride!
It’s designed to transform and enhance your whole home buying and selling experience.
From those still struggling to buy their first home, to the ones who have been to the ‘home-buying-and-selling’ rodeo multiple times, to the well-to-do, there is so much to learn and talk about housing – (home buzz)
...and for the really well-heeled as well! However, at that level, you either have a pro like me in your corner, your you can call me up and I will be there to serve as your real estate broker! 😊
Home Ownership Journey
In essence, this blog brings lots actionable tools used by real estate professionals to guide during the ‘never so clear’ process of buying, selling, maintaining and improving a home.
Housing is a process that seldom – if ever - ends!
Early on, ‘fresh out of college,’ you might be just be fine with a studio or a one-bedroom apartment; a few years later you are an established professional making more money you may trade the ‘studio’ for a two-bedroom pad; yet another short few years down the road you get married and have kids …time to trade up again – this time for a house!
Hopefully you would match that purchase with the right size of the house with the number of kids! ...if not, there’s got to be another house trade up to accommodate the family growth!
Later, the kids grow, go to college and from there ‘they take wings!’
“Oh! So very suddenly” you are an empty nester!
Time to down size the home!!!
I can help – no matter the phase of home need you might be!
Please take a minute to write us a review: short, sweet, and to the point.
YOUR Opinion Does Matter!
For Homebuyers, Home Sellers
And Home Investors
Home buyers, home sellers and home investors – anybody in the United States who wants to buy, sell or invest in houses, condos, townhomes, warehouses, shopping center and apartment complexes and home rehabbers [home flipping].
They all should benefit from the many experiences, tool and technics that I present in this blog. It is illustrated from cases I might have done myself and/or witnessed in eighteen years as professional real estate man.
I have may pages laid out here with that home knowledge that I have accumulated.
Mortgage Loans
Help to understand many parts of real estate; how to structure deals and find mortgage loans to finance it.
There are many types of mortgage loans: FHA, Conventional, USDA, and VA loans for those who served in the armed forces.
Best mortgages: 30 years fix or would 15 year suit you best?
We will analyze in depth each one of them, so you will have a clear vision to decided which is the best mortgage for you
Attaining a mortgage for any property it is never a straight line.
Through the 18 years I have been a real estate brokerage, I have created a network of mortgage sources that I can connect you with mortgages loans from $100,000 to $250,000,000 – that’s is NOT a typo!
I can help to put a skilled loan mortgage officer in touch with you.
Down Payment Assistance (DPA)
I provide time-tested ideas how to successfully buy and sell real estate – houses, condos and townhomes – for owner occupied who are first time home buyers a guide for the many entities (either government or public-private) which will provide down payment assistance (DPA) for the [many times elusive] down payment to get your foot into home ownership.
I have found Down Payment Assistance (DPA) all across the nation: These home grants are available from Atlanta to the Mariana Islands!
There are many categories DPA and to whom they are designed to serve: Teachers, Law Enforcement, people with disability and some programs are designed simply to help ‘good folks’ who are in need of that ‘down payment’ and voila! They are homeowners!
I once worked with a buyer who had good credit but no money!
I connected him with a DPA though which he bought a very nice house with only $1,000 down!
Some of these programs, under the certain circumstances and at the right time, they can be combined.
So, it was case that another time I connected a firefighter with two of such programs!
It has now been over a decade and still I hear from her now and then and she tells me that she is still in the apartment and she still loves it!
And I will list all the DPA programs here!
Note: Depending how many folks apply funds may exhaust; but they renew every year. Yaaaaay! Alleluja!!!
Home Tax Consequences
There are at least two very important tax consequences that I can tell you without the need to consult a CPA: Mortgage Interest Deduction [MID] – which allows you to deduct 100% of the interest paid on your home mortgage loan! It is deducted from your gross income – every year that you are paying the house. Sweet!
Or, perhaps, you are trading it up to a new home; and you need to sell a home that you already own – pros & cons; how to handle the house sale proceeds …what are the income tax consequences when you consummate your house sale? Please read on! You may be pleasantly surprised to know!
I also have pro tips for those who want to invest in houses, condos, apartment complexes, and shopping centers or buy commercial warehouses.
New Construction Vs Resale House
Compare the purchase of a ‘new construction’ house to a ‘resale house.’ Perhaps you like an older house with ‘character’ is more you home life style and you can do the home improvements to bring it up to date and put your stamp on it.
New construction homes offer amenities that even did not exist in a house built fifty years ago; but the ‘old house’ may offer the ‘charm & character’ the new ones do not possess: Which one is for you?
I am a certified new home professional – many folks think that a brand-new home comes ‘trouble free.’ I will point out issues you may encounter.
I tend to like ‘older houses’ too! But there countless of issues you must to be in the look out: Asbestos, lead paint, polybutylene pipes, leaky roof, lead pipes, outdated electric wires and/or electric power panel, single pane windows are some of the ‘red flags’ I will discuss here so you can have more confidence while home shopping.
Home Improvement
Home improvement has taken a life of its own and became a separate sector within the housing industry.
Millions of dollars are spent each year in home improvements. It can be folks who have become professional renovators buying houses to flip or home buyers buy a home but want to put their stamp into it.
There are many aspects to consider and make sure that it all makes sense and that the numbers support such move.
You’d better believe that there’s even a type of home mortgage which has a ‘built-in’ amount of dollars reserved for home improvements.
It’s called FHA 203K home loans. And, yes, it is for owner occupied homes!
Professional rehabbers either have their own money or will add a home improvement portion to their hard money loan.
All combined – private owner and professional rehabbers, make home improvement a vibrant and strong industry.
We shall have many pages illustrating the pros and cons of home improvement - to include major issues you might encounter along the journey.
Do you need an inspection when you buy a ‘new home?’
What are the major issues you look AND should avoid when buying an older hose?
Issues like asbestos, polybutylene pipes, lead pipes, lead paint, attic inadequate ventilation are but a few issues you should be aware of …and how to correct them.
I provide practical and actionable ideas on how to successfully buy a house, sell a home and invest in real estate along with alerts – to the many - many potential problems you need to be aware of and the best ways of how to avoid them.
Home Buy, Sell Or Invest
Buy, sell or invest in housing real estate with all knowledge and confidence of a pro. Because you will have a pro on your side – and that will be me!
In this site I share detailed time-tested experiences and ideas how I put together successful strategies to buy, sell and invest in homes (single family houses), apartments, townhomes and invest in shopping centers, apartment complexes, warehouses and much more
I hope it will help and you too will score a winner! Otherwise, I am here to help to find a strategy that can a winner for you!
Home Life Style
Real estate encompasses every ‘interest’ and property that has a land component to it. Single Family Homes, apartments, townhomes, rental apartment complexes, warehouses, shopping centers as well as every piece of land under the sun …developed land or not!
Because the ‘land’ - and the land alone - makes it real estate.
Real estate – housing more so - affects every single person’s life – either if you pay attention to it or not.
First, it is obvious enough that every person in the world has to have a dwelling to call home. Single family homes, condos or townhomes; mansions and trailer homes are affected – albeit in different manners and in different ‘depth.’
Second, commercial real estate – warehouses, restaurants, supermarkets, shopping centers - to name a few - dominates the landscape in many of streets and indeed most of roads across the nation.
Real estate, ultimately, by definition is a ‘property’ that has to have ‘a piece of land’ attached to it! And it can ‘just’ the land, but in the absence of land, it can be a ‘property’ alright, but it is not ‘real estate!’
The land is supreme and who owns it have some many rights that it is hard to describe.
When you buy a house and the contract says the land it on is included, then it is real estate. Ditto for a town home, a flat and a warehouse – they all need the land to make it a real property.
It is possible that land owner has some trailers on his land and he then collects a ‘rent’ from the trailer owner – for the use of the land.
In the cities, many empty lots collect fees for temporary – by-the-hour- parking – it is nothing else than ‘rent-by-the-hour’
Buy Vs Rent
Unless it is rented via a legal entity [Corporation, LLC, etc] AND it is for that entity’s legal use, rent expenses receive no deductions at all. ZERO! Zip! Nada!
So, compared with the MID [Mortgage Interest Deductions] afforded to homeowners, I see no advantage to rent.
There are few instances that I would recommend renting – let’s examine this in depth later!
But naturally, while renting you do not build home equity! And you are paying the landlord’s mortgage all along!
Home Page SUMMARY
The home ownership requires many steps:
Good Credit score,
money for down payment,
help from a professional real estate agent [REALTOR®],
decide on the location you would like to live in,
new construction Vs. older house – know the difference between the options.
What’s your home life style – condo, townhome, detached single home?
No matter what is home style preference you will deduct 100% of your mortgage interest deduction (MID) from your gross income every year you are paying the house.
You start building home equity – even if a few dollars – from the very first home mortgage payment that you make.
Renters do not build any equity. Zero!
Renters do not have mortgage interest deductions (MID) - either! Zero! ☹
That, most certainly, will be a tremendous opportunity to accumulate wealthy (organically) for the person renting & I would say, creation of generation wealth as well!
Which Mortgage is best for you?
Have you saved enough for your down payment?
Can you qualify for one of the many DPAs [Down Payment Assistance] available?
There are Down Payment Assistance (DPA) in all 50 States of this Great Nation …and in the US territories too!
Veterans! Thanks for your service!
You may qualify for a “Zero Down Payment” VA mortgage loan
Please follow my pages and let’s find out what’s the best course of action – for you!
CONNECTING WITH YOUR HOST
So, let’s connect and – together – we will ALL be better off!
If you are in the Atlanta area I can get the most up-to-date data for houses, condos town-homes in this market.
I provide practical and actionable ideas on how to successfully buy, sell and invest in real estate along with many potential problems to be aware of and how to avoid them.
To avoid the pitfalls coming from them
‘Street smart’ level knowledge from 18 years as a real estate broker
Get Inspired by New home and Renovated Homes.
Discover Beautiful Home Designs and More.
Do You Love Larger Homes?
Prepare to buy Old home and New Options.
First Homebuyers Program
Homes Near YOU For Sale
Free Local Housing Market Data - Housing Inventory and much more
Get local housing market insights from a real estate broker who works in the area for over 18 years and specializes in new residential homes either single-family home, condo, town-home. I also have intel for investors on multifamily properties and warehouses.
Are you an entrepreneur looking to buy a restaurant building?
I can help you with that as well!
Are you someone who want to start OR expand you ‘flipping houses’ business, I can help you too! I have been working with real estate investors since the beginning of the ‘great recession’ – circa 2007/2009!
Knowing what's happening in the real estate market is a key factor in a successful real estate transaction, whether you're the home buyer, seller, or real estate investor [house flipper] or yet a renter who will great benefit by the knowledge of how to buy a home!
Welcome everyone! This is your home!
I am excited that you are here!
Let’s get started! ….We are late already!
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My dog Yolo hard at work
Please click on the photo and let me know
Because my dog, YOLO,
would love to fetch it for you!
Looking for a new home?
Maybe I cannot find YOU
The ‘house of the future’
(As Yet)
But I certainly can find
YOUR FUTURE HOUSE!!!
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contact me!
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We are growing this site by-the-day: Come visit as often as you can!
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Meanwhile, feel free to send us a message, should you have a home buzz to share OR a "?" to ask! See you around!