Posted on September 26, 2018 - 04:40 PM
by Jim Clingman
How Much is your home worth in Ottumwa, Iowa? If you are planning on selling your home, that is a question you need answered. As your Local Ottumwa Real Estate Expert, I can help you to learn the answer to that question. I will personally do the resear...
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Posted on September 12, 2018 - 04:40 PM
by Jim Clingman
Have you ever considered moving to beautiful Ottumwa, Iowa? Ottumwa is a desirable community & great location. Ottumwa, Iowa boasts a variety of local landmarks, excellent schools, parks and much much more. Take a look at some of the most popular searc...
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Posted on August 22, 2018 - 04:40 PM
by Jim Clingman
There are so many different kinds of homes out there for families to choose from. Do you want to live in Ottumwa? Or are you looking for a second home? How many bedrooms and bathrooms do you need? Do you need a large back yard? RV access? An attached g...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
In the olden days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds lying around and considered you a good credit risk, they would lend you the money from their own funds. It doe...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau's computer evaluates a complete credit profile and assigns a score, which is used to estimat...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees...
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Posted on August 1, 2018 - 04:40 PM
by Jim Clingman
Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads are popping u...
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I was so glad to work with Jim! He was such a huge help! We were on a small budget but still VERY picky. He helped every step of the way, was always reachable through email and phone, and he showed us houses with the features we were looking for and kept coming up with more options! We close next week, and I couldn't be more thankful for all that he's done to get us into our perfect starter home!Stephanie Reinier