Mortgage Information

Mortgage Information

Your Savings and Down Payment

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 thing you should do – […]
Mortgage Information

Items You Need When Applying For a Loan

Items You Need When Applying For a Loan Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getting answers quickly […]
Mortgage Information

Documenting Your Assets – Verifying Your Down Payment

Documenting Your Assets – Verifying Your Down Payment When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are coming […]
Mortgage Information

Adjustable Rate Mortgages – The Basics

Adjustable Rate Mortgages – The Basics An adjustable rate mortgage (ARM) has an interest rate that fluctuates periodically. This is in contrast to a fixed rate mortgage, which always has the same interest rate. Every ARM has basic components: An index A margin Adjustment Period An interest rate cap An initial interest rate The Index […]

Mortgage Information Your Savings and Down Payment 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 thing you should do – […]

Mortgage Information Items You Need When Applying For a Loan Items You Need When Applying For a Loan Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getting answers quickly […]

Mortgage Information Documenting Your Assets – Verifying Your Down Payment Documenting Your Assets – Verifying Your Down Payment When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are coming […]

Mortgage Information Adjustable Rate Mortgages – The Basics Adjustable Rate Mortgages – The Basics An adjustable rate mortgage (ARM) has an interest rate that fluctuates periodically. This is in contrast to a fixed rate mortgage, which always has the same interest rate. Every ARM has basic components: An index A margin Adjustment Period An interest rate cap An initial interest rate The Index […]

Mortgage Information Types of Mortgage Lenders 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 considered to be a mortgage banker. Some companies don’t sell […]

Mortgage Information WHAT’S A FICO®? WHAT’S A FICO®? When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you’ve made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. “What’s a FICO® score?” is a common reaction. […]

Mortgage Information Advantages of Different Types of Mortgage Lenders Advantages of Different Types of Mortgage Lenders What kind of lender is best? If you ask a loan officer, “What kind of lender is best?” the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, […]

Mortgage Information The No-Cost Thirty Year Fixed Rate Mortgage The No-Cost Thirty Year Fixed Rate Mortgage There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees, and so on, depending on whether the loan […]

Mortgage Information Land Contract 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 only transfers to the land contract […]

Mortgage Information The Biweekly Mortgage – Who Needs It? The Biweekly Mortgage – Who Needs It? Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads are popping up with troublesome regularity. The ads […]

Barbara Jagolinzer

Broker Associate Williams & Stuart Real Estate

Past President, Council of Residential Specialists, RI Chapter

ABR, ASP, CRS, ePRO, GRI, MRP, PMN, SRES

Real Estate Agent
401-345-6666

LIC#: REB.0013531

About Me

Barbara Jagolinzer is an agent for Williams & Stuart Real Estate. She has been active in real estate since 1985 and has a knowledge of the market that you can depend upon. She is interested in serving each client’s best interest, and does so with honesty, intergrity, and a straight forward approach. Detail oriented and a great problem solver, Barbara will respond to your concerns and interests while honoring your confidentiality and respecting your privacy...

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