Mortgage Brokers Save Home Buyers Money:
The following is an article about how a Calgary mortgage broker can help you negotiate the best rates and best terms possible. No, I’m not about to start rewording B.J. Thomas’s song, “Rain Drops Keep Falling in My Head”, as much as I like that song. No, I’m talking about suddenly finding yourself being rained on by fees! If you go into the housing market thinking that all you’ll be paying for is the mortgage of your home, you are sadly mistaken. Many of the fees are attached to events that any renter will be familiar with:
Moving costs (storage costs of the move ends up happening in stages)
Address change labels at Canada Post
Hook up fees for various utilities
Cleaning the old home (and possibly cleaning the new home before you can move in)
But unlike the average renter where the only other fee might relate to coming up with another damage deposit if the last one had to be used to repair your old home, home buyers have a number of additional fees to be concerned about. Some of these fees can be wrapped up into services offered by your local realtor. Others might get wrapped up into the package your Calgary mortgage broker is offering you, but regardless of who pays for them, they must be paid. Mortgages For Less also specializes in being a trusted mortgage broker Fort McMurray and can help you get a great mortgage.
Mortgage & Home Owner’s Fees:
- Appraisal fees
- Insurance fees
- Registration fees
- Surveys or certificates
- Utility fees
- Property taxes if they weren’t paid up by the previous owner the year you buy
- Water and/or septic or sewer taxes
In addition, while renters are experienced with the usual monthly costs of ongoing utility bills, perhaps tenant insurance, and other fees, the home owner now has to deal with:
- ongoing property taxes,
- renovation funds,
- repairs and maintenance budgets,
- and of course, the monthly mortgage payment which replaces the rent they used to pay.
Needless to say, after you’ve pre-qualified for a mortgage, you want to find out what additional fees you may have to pay and set funds aside to cover them as well. An experienced Red Deer mortgage broker can guide you towards the easiest and most efficient financing solutions. Whether you go through a mortgage broker or not, don’t purchase your home expecting that the mortgage will cover all fees and expenses. Unless you sign up with a lender offering a cash-back option, you’ll need to have spare funds of your own to tackle the process. Talk to someone over at MortgagesForLess.ca to see how they can help.
Bankruptcy Exemptions and Hawaiian Real Estate
The state of Hawaii only exempts the first $20,000 of home equity for most bankruptcy filers. The only exception to this rule is for those over 65 or a head of family such as a married couple; these bankruptcy cases can shield $30,000 from the property sale from the bankruptcy. And unlike some states, Hawaii doesn’t allow a married couple to double the homestead exemption, so you can’t double the homestead exemption to $40,000 as you might in California. And the state of Hawaii makes the homestead exemption simple for bankruptcy filers; it is already applied to the property, without additional paperwork needing to be filed. There are three island that are showing signs of increase investment into Maui real estate, and Big Island homes for sale and Oahu real estate seem to be pretty hot for investors.
What many people forget is that those filing for bankruptcy can choose between the federal bankruptcy code or the state of Hawaii’s bankruptcy code. If someone files for bankruptcy under the federal bankruptcy code, the federal bankruptcy exemption of $22,975 can be doubled by a married couple.
Hawaii’s bankruptcy code does offer greater protection than the federal bankruptcy code if one person owns the property while the other is deeply in debt. Hawaii is not a community property state like many western states. The state of Hawaii separates debt held by one spouse from the assets held by both spouses. In Hawaii, property held as tenancy by one spouse is typically exempt from bankruptcy to liquidate the debts held by the other partner, if the owning partner was not a cosigner or co-borrower. However, if the debt is held by both spouses, the property can be sold to pay off their joint debts.
These rules mean that many people who co-own properties in Hawaii do have to sell them when they file bankruptcy, relative to states like Texas and Minnesota that have high homestead exemptions.
Many retirees, investors and snowbirds own second homes in Hawaii. And you must live in the state for at least 90 days to file for bankruptcy in Hawaii. When these second home owners file for liquidation bankruptcy in their home state, they inevitably give up the second home in Hawaii. This is why you find many investment properties and second homes in bankruptcy sales relative to primary residences.
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