Blog: Mortgage Information

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more
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Your Neighborhood Realty Associates, Inc.
2440 Central Ave.
Saint Petersburg, FL 33712
Office: 727-321-1734
Fax: 727-321-0985 

Testimonials

"Choosing a real estate agent is not a simple task, nor one to be taken lightly. Hence why we would like to express our pleasure and satisfaction with Jim Longstreth of Your Neighborhood Realty, who represented us in our recent purchase of a single-family home. Jim guided us through the entire process, from loan prequalification to searching and viewing houses to making the offer and closing the deal. We credit him with a smooth home-buying experience and working with us tirelessly until we were satisfied. Jim is savvy, personable, patient, hard-working, jovial and knows the local real estate market inside and out. We never could have gotten our dream home without him. We are beyond pleased with Jim and his expertise and we will recommend him to everyone. And should the occasion arise to purchase another home, we would not hesitate to call on him again for our real estate needs." 

Doug and Melane Nelson 
St Pete, FL 
Doug and Melanie Nelson
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2440 Central Ave. - Saint Petersburg, FL 33712
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