Randy Niemeyer | Baldwin County Real Estate

QUESTIONS TO ASK When Considering a Condo or HOA

Condominiums, townhomes, and properties located within a homeowner association offer certain perks, but it’s important to consider them in your decision process. How much storage is available? Some properties include…

Written by Randy Niemeyer

March 12, 2020

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QUESTIONS TO ASK About the Neighborhood

Where you live should reflect your lifestyle. These questions will help you find the best community for you. Is it close to my favorite spots? Make a list of activities…

Written by Randy Niemeyer

March 4, 2020

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WORKSHEET Define Your Dream Home

Write in your preferences and rate them: 3 = Vital, 2 = Very Important, 1 = Neutral, 0 = Not important LOCATION PREFERENCES RATE Neighborhood School district Near public transportation…

Written by Randy Niemeyer

February 27, 2020

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HOW TO Finance a Home, Creatively

Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include…

Written by Randy Niemeyer

February 17, 2020

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QUESTIONS TO ASK When Choosing a Lender

Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about. General questions: What are…

Written by Randy Niemeyer

January 31, 2020

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Loans & Lending Terms

Term. Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, shorter terms mean you pay less interest…

Written by Randy Niemeyer

January 22, 2020

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HOW TO Prepare to Finance a Home

Develop a budget: Use receipts and your banking transaction history to create a budget that reflects your actual habits over the last several months. This approach will better factor in…

Written by Randy Niemeyer

January 15, 2020

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HOW TO Improve Your Credit

Credit scores play a big role in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the…

Written by Randy Niemeyer

January 8, 2020

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WHAT TO KNOW About Credit Scores

Credit scores range between 200 and 850, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: Your payment history. Did you pay your…

Written by Randy Niemeyer

December 17, 2019

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WORKSHEET Track Your Budget

The first step in getting yourself in financial shape to buy a home is to know exactly how much money comes in and how much goes out. Use this worksheet…

Written by Randy Niemeyer

December 11, 2019

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Author Archives: Randy Niemeyer

QUESTIONS TO ASK When Considering a Condo or HOA

QUESTIONS TO ASK About the Neighborhood

WORKSHEET Define Your Dream Home

HOW TO Finance a Home, Creatively

QUESTIONS TO ASK When Choosing a Lender

Loans & Lending Terms

HOW TO Prepare to Finance a Home

HOW TO Improve Your Credit

WHAT TO KNOW About Credit Scores

WORKSHEET Track Your Budget

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