Category Archives: Free Tips

Tips for Sellers, Buyers, Real Estate Agents and Real Estate Investors.

Narrow Your Home Buying Decision – What’s the Process?

Posted on March 3, 2015 by Tim

ShareTweet Tim Halladay, the Host of Mortgage Solutions radio show, shares his insights about the most effective ways to narrow your home buying choices in today’s market. Don’t Overthink it! The largest asset purchase of your life will likely be … Continue reading →

Posted in Free Tips, Real Estate | Tagged Albany homes, home search, Malta homes, Saratoga homes, Schenectady homes, Troy homes | Leave a comment

Closing Costs – Required or Junk fees?

Posted on February 15, 2015 by Tim

ShareTweet Tim Halladay of Victory Funding differentiates between Statutory Costs and Junk Fees on his weekly radio show Mortgage Solutions. Some costs are statutory and some others are necessary; you will pay these no matter where you go or who … Continue reading →

Posted in Financing, Free Tips | Tagged albany, low closing costs, Malta, mortgage broker, no junk fees, Saratoga Springs, schenectady | Leave a comment

Seller Concessions – What are They and How Can I Use Them?

Posted on January 30, 2015 by Tim

ShareTweet Tim Halladay of Victory Funding teaches what you need to know about Seller Concessions, including what programs allow them and what the limits are! This dynamic discussion is a must for home buyers!  Listen to this from Mortgage Solutions … Continue reading →

Posted in Financing, Free Tips | Tagged Conventional, FHA, Living Well Realty, Malta, mortgage broker, Mortgage Solutions, Saratoga Springs, seller concession, usda, Victory Funding | Leave a comment

Documents to Take to Your Mortgage Appointment

Posted on December 29, 2014 by Tim

ShareTweet Your lender will need some basic documents to begin the process.  Do your best to provide these and your process will be smooth.  All the documents fall into three basic categories; income, assets and credit. Income documents 1.  Most recent … Continue reading →

Posted in Financing, Free Tips, New Borrower | Tagged Buy Real Estate, Creative financing, education, Living Well Realty, Malta, mortgage broker, Saratoga Springs, tips, Victory Funding | Leave a comment

Found Money – Buy More House!

Posted on March 28, 2014 by Tim

ShareTweet Everybody knows you can write off your mortgage interest and property taxes, but few people understand what that means when it comes to your monthly income. If you purchase a home with a $200,000 mortgage at 4.75% interest you … Continue reading →

Posted in Financing, Free Tips, New Borrower, Real Estate | Tagged albany, education, financing, Global Foundries, Living Well Realty, Malta, Real Estate Investing, Real Estate Investor, Saratoga, Victory Funding | Leave a comment

What Should I Know About Buying a Property that has a Legal Non-Conforming Use?

Posted on March 2, 2014 by Tim

ShareTweet First, you should know what that means.  A legal non-conforming use applies to a property that is currently allowed in its current legal configuration but does not conform to the zoning that is in place.  One example would be … Continue reading →

Posted in Financing, Free Tips, Investing, Real Estate | Tagged albany, investing, Living Well Realty, Malta, mortgage brokerage, Saratoga Springs, schenectady, troy, Victory Funding | Leave a comment

Flip Your First House!

Posted on February 14, 2014 by Tim

ShareTweet   Everyone, it seems, has wanted to flip a house at some point in their lives.  Most talk about it, some do a little research, a few take courses on how to do it, but only one or two in … Continue reading →

Posted in Free Tips, Investing, Real Estate | Tagged advice, albany, flip, foreclosure, great tips and advice, How to Flip Houses, investor, Living Well Realty, Malta, real estate investors, Saratoga, Saratoga Springs, schenectady, tim halladay, top Mortgage broker, top realtor, Victory Funding | Leave a comment

Holy C.O.W.! [Cost of Waiting] In Today’s Market!

Posted on November 22, 2013 by Tim

ShareTweet $30,000 is NOT chump change!  However, that is what you could be giving up if you wait ONE YEAR to buy a piece of property.  That’s right $30,000!  Here’s the math… If interest rates go up 1% and property … Continue reading →

Posted in Financing, Free Tips, New Borrower | Tagged buyer, education, financing, real estate, tips | Leave a comment

3 Great Lead Generation Tips

Posted on January 29, 2013 by Tim

ShareTweet Prospecting is one of the hardest parts of the Real Estate business.  It separates the successful from the mediocre in every sales job.  Make no mistake about it, if you are in Real Estate, you are in the lead … Continue reading →

Posted in Free Tips, Local, Real Estate | Tagged Averil Park, Guilderland, Malta, mortgage broker, NY, real estate, real estate agent, Saratoga County | Leave a comment

Investor Attitudes – Make or Break

Posted on January 29, 2013 by Tim

ShareTweet Your attitude will make or break you in the investing world.  Are you buying your first rental?  So, are you after cash flow or long term equity?  Either way, if your attitude is wrong going in, you will be … Continue reading →

Posted in Free Tips, Investing, Real Estate | Tagged advice, albany, investing, real estate, Real Estate Investing, schenectady, troy | Leave a comment