C21AGVoices

The economy’s improving but lending standards are not. Nationally, banks are making mortgage approvals harder to come by. Underwriting guidelines are tightening.

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A Pending Home Sale is a home that is under contract to sell, but not yet sold. It’s a figure compiled by an industry group using sales data from over 100 regional listing services and more than 60 large brokerages around the country.

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November 6, 2009, Congress voted to extend and expand the First-Time Home Buyer Tax Credit program. There’s 100 days left to claim it.

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Credit scores not only make the difference between a mortgage approval and mortgage turn-down, but they also play a large role in determining your actual mortgage note rate. In the 3-minute piece, the NBC Today Show talks about 7 ways that homebuyers ruin their credit — often by accident.

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Well-made beds aren’t just for comfort — they’re for presentation, too. Especially when you’re selling your home. A pristine bed conveys an image of cleanliness and order to potential home buyers and that can help you get more of your asking price at the point of negotiation.

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The Lights Out Autoswitch, a 135-degree, motion-detecting device that turns the lights on when people enter a room, and subsequently turns them off after everyone has left.

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A “Short Sale” is when a home seller sells his home for a lesser amount than what is owed on his mortgage, and the mortgage lender agrees to accept the lesser amount in lieu of a full payoff.

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Reporting on a two-month lag, the government said home values rose 0.7 percent in November. National home prices are at their highest point since February 2009. But before we look too much into the FHFA’s Home Price Index, it’s important that we’re cognizant of its shortcomings; the most important of which is its lack of real-time reporting.

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