James R. Gill's (jamesrgill) Blog

You are about to make what will most likely be the largest transaction of your life: your home mortgage. Unfortunately, many homebuyers do not take the time to research some of the little but weighty intricacies of mortgages. Researching the mortgage process takes little time compared to the tens...

Wondering whether your house has a record? Here's where you can find out:-You can get a copy of your home's insurance claims report, known as a CLUE report, from Choicepoint for $12.95 for an electronic copy or $9 for a mailed copy. Contact the company online at www.choicetrust.com or call 866-52...

"I urge everyone to call their mortgage advisor NOW before it is too late!"   Everyone needs to understand their mortgage and have a plan.  That is what I sell - a plan for peace of mind.

How to take title: Advantages and limitations.Title to real property in California may be held by individuals, either in Sole Ownership or in Co-Ownership. Co-Ownership of real property occurs when title is held by two or more persons. There are several variations as to how title may be held in e...

Cut back on mortgage junk mail by opting out!In the unlikely event that these companies actually do know your credit scores they probably bought it directly or indirectly from one of the three major credit bureaus. Equifax, Experian and Trans Union are in business to sell credit information about...

Which Mortgage Should I Choose? Key Questions to Ask Yourself and Lenders When Shopping for a Mortgage! Traditional Fixed Rate Mortgage? Graduated-Payment Mortgage? Adjustable Rate Mortgage? FHA Mortgage? Two-Step Mortgage? You are wondering which kind of mortgage is best. The answer: There is no...

Twenty Terms You Must Know and Understand Before You Sign Off On Your Mortgage! Buying a home is a major achievement in most everyone?s life. Pride of ownership, tax breaks and equity are just a few of the many benefits you?ll enjoy with your new home. Your home purchase may also be one of the la...

This is the single most important factor for getting loans these days! Improve your credit score!Generally speaking, a credit score measures the likelihood you'll repay what you owe, and is based on information in your credit report. The rewards of raising your score speak directly to your wallet...

The right or wrong decision when signing your home mortgage can mean thousands of dollars difference in interest paid. There are very important considerations to evaluate before you commit to a 15 or 30 year note. For many of us our mortgage payment is the most important financial decision we'll ...

Avoid 12 Common Mistakes Made by Novice Investors and Ensure High Rates of Return! Real estate investment has provided many investors with positive cash flow, tax benefits and satisfaction of making an impact in others lives. Like any investment however, real estate has intricate nuances and mark...