On its surface, purchasing a home seems like a pretty straight-forward task. Don’t you just find a house, put in an offer, get a loan and cozy up to your new fireplace by the end of the week? Unfortunately, this isn’t how homebuying in Wisconsin works, and for good reason. First time homebuyers in Wisconsin …
Read MoreRock-Solid Pre-Approval to Closing
Once you complete the early planning stages of the home buying process, the next step is to get pre-approved. Accunet Mortgage offers what many other mortgage lenders don’t – a fully-verified Rock-Solid Pre-Approval that comes with a $2,000 guarantee.
The articles below are chock-full of tips and expert advice to help you effortlessly transition from pre-approval to closing. From mortgage qualifications and documentation, to calculating how much you can afford, this section covers it all. But if you’d like to learn more about a particular pre-approval or closing topic, then contact us today. We’d love to answer your questions in more detail and work with you in person to come up with the right solution for you.
How Commission-Based Income Affects a Mortgage
When applying for a home loan, it’s assumed that things like your current debt, credit score and debt-to-income ratio will be taken into consideration. Alas, that’s not always the whole story, especially if you’re on a commission-based income. You can get approved – but it’s tricky. Lenders love clients that are on a salaried income …
Read MoreRock-Solid Pre-Approved Buyer Beats Out Cash Offer!
Normally, a “cash buyer” (a home buyer who doesn’t need a mortgage) is considered the most desirable by a home seller. That said, Accunet recently helped a couple win against a cash buyer, and two others, in a multiple-offer situation.
Read More7 To-Dos During a Final Walk-Through
You’re in the home stretch, and it’s an exciting feeling. You have found the perfect house, gotten your loan in order, made your offer and the seller has accepted. Inspections have been performed, and you can’t wait to move in. Before you crack out the celebratory bubbly, however, there is one last step to take …
Read MoreThe Blue Button Makes Its Way to the Roof of Africa
Chief Honesty Officer Brian Wickert, along with his son and licensed Millennial Loan Consultant David Wickert, have been preaching the value of “Clicking on that Blue Button” at Accunet.com for years, and now they’re letting the world know!
Read MoreWriting a purchase contract: Avoid these 5 mistakes
In binding contracts, deliberate language is important — and Offer to Purchase contracts are no different. If real estate agents and mortgage lenders worked together to review purchase contracts before the parties sign, a lot of problems could be avoided. After 18 years at Accunet Mortgage, and having a front-row seat to thousands of purchase transactions, …
Read MoreHow Long Is My Pre Approval Good For?
After producing a mortgage pre-approval letter, the customer will often ask, “How long is my pre-approval good for?” Learn more about how we determine the good-through date of your pre-approval loan.
Read MoreOffer to purchase contracts: 7 common misunderstandings
The fact that your offer to purchase contract is legally binding can get lost in the excitement of buying a home. But this contract – and the details in it – can end up costing you. We’ve seen this happen to clients time and time again, so we’ve put together a list of the most …
Read MoreHow Student Loans Can Affect a Mortgage
Whether you’re in your early 20s or your late 40s, graduating college is a milestone that will increase your employment prospects and lead you to closer to the American Dream. Now the next milestone in your sights is buying a house, but how will your newly acquired student loan debt affect that process?
Read MoreWhat Can I Use My Seller Credit For?
Seller credit can come in handy when purchasing a new house. Watch the video below and discover a few of the different ways you can use seller credit to your advantage.
Read MoreCan I Pay Off Credit Cards in Order to Qualify?
Can paying off your credit card debt help you qualify for a mortgage? Brian Wickert explains how recent policy revisions impact your debt’s effect on your mortgage qualifications.
Read MoreQuiz: Are You Ready to Buy Your First Home?
Ah, the renter’s life. No need to worry about maintenance and repairs, and when you want to move to a different neighborhood, you can simply pick up and go once your lease is finished. But what about those other noisy tenants, never having a place to park, flaky roommates, the unresponsive landlord, and limited space …
Read MoreA Business Owner’s Guide to Home Loan Documentation
If you’re a business owner who’s about to close on a home, you may be asking yourself, “Why is so much documentation needed to prove the obvious?” Self-employed buyers and borrowers who are clearly credible, financially stable, and qualified home loan candidates are often surprised by the amount of paperwork that’s required to complete the …
Read MoreChief Market Watcher
This is Brian Wickert, Chief Market Watcher. Last week was all about the US economy, the US jobs report and an increased likelihood that the Federal Reserve would raise rates at its next meeting in September. And mortgage rates were creeping up.
Read MoreChief Pre-Approval Officer
This is Brian Wickert, Chief Pre-Approval Officer. Almost everyone knows they should get a pre-approval letter when they’re looking to buy a home, regardless of whether it’s their first time or tenth time buying. But most lenders only check a borrower’s credit, and they don’t verify income or down payment. Turns out, it’s the income and …
Read MoreChief Storm Team Officer
This is Brian Wickert, Chief Storm Team Officer with a perfect storm alert. Right now we have an economic low pressure system that’s allowing mortgage rates to inch downward. I could explain why, but let’s focus on the what instead. If your current mortgage rate is 4.5 percent or higher and your mortgage balance is $180,000 …
Read MoreTip #2 & Tip #3 for writing a successful offer to purchase
TIP #2 – Allow 30 days for both your financing and appraisal contingencies — AND — Tip #3 – CONTACT YOUR LENDER the same day you get an accepted offer. Don’t wait! I can’t tell you how many times we get the call from a buyer saying, “We just passed our inspection contingency. So now we …
Read MoreTip #4 for Writing a Successful Offer
Tip #4 – Get on equal (or near-equal) footing with the “right to cure” defects Problem: In the standard WI Offer to Purchase, any defects found during your inspection or testing are only required to be cured in a “good and workmanlike manner” with evidence of completion provided by Seller no later than 3 days …
Read MoreTip #5 for writing a successful (but safe) Offer to Purchase
Tip #5 — STICK WITH THE PLAN! To be successful in today’s Seller market, you can’t write your offer contingent on the sale of your current home and expect to compete with similar offers without the contingency. We have a transaction in process right now where a relocating doctor wisely wrote their purchase offer without …
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