Thomas Crimmins's Blog

When you first bought your home a few years ago, perhaps you started off with a 30 year mortgage. Now, you are considering refinancing and changing it to a 20 year or even a 15 year mortgage. Shortening your mortgage term and refinancing can be a smart financial move, but before you make this de...

While the winter season isn’t necessarily the best time to list your home for sale, there are a few advantages. Fewer people want deal with the hassle of keeping their houses in order for showings this time of year, which means there will be less competition. So take advantage of the lagging mar...

Every step that occurs once the trash leaves your control has risk that someone will find personal information they can use to cause you harm. One way to safeguard personal information is to shred it before it goes into the trash. Step-by-Step Your Documents Can Get Pilfered Shredding devices ar...

When preparing for a closing on your refinance or home purchase, one of the documents you will be provided with a few days before closing is a HUD-1 Form. This form provides you with valuable information about your loan. While at first, this three page document may seem intimidating, if you unde...

If you are considering applying for a refinance, it is important to understand the mechanics of your mortgage loan. You should consider preparing a list of questions for your loan officer that you feel may need to be answered. Here are some questions that you may need to get answers: 1. What Typ...

There are 52 weeks in a year; you will end up making 26 payments in total – which is equal to 13 months rather than 12. This means that your mortgage will be paid off quicker and you will save money on interest payments in the long run. This arrangement might be the best for you when it comes to ...

With the economic downturn, anyone dealing in real estate quickly became familiar with previously little-known terms such as foreclosure and short sale. Now that the housing market is picking back up and people are moving on, a new term is coming to light — zombie titles.   The Zombie Title This ...

A home equity loan is a type of loan that allows you to use the equity of your home as collateral. It is an option that home owners have available to them and that some people use to pay for major expenses such as home renovations, college education or medical bills. It is a good idea to leverage...

So you are looking at buying a Staten Island homes home, but you are wondering whether or not it is worth it to pay a little extra for a home with one more bedroom. It’s a tough decision to make, especially when balancing other factors such as location and the other features of the home. However,...

Are you applying for a mortgage on your Staten Island home? Keep in mind that a mortgage is a major financial decision and choosing one will have a significant impact on the rest of your life. Many people go into this decision without understanding all of the essential mortgage information they ...