Mortgage Points: To Pay or Not to Pay

Real Estate Keyword Phrase

If William Shakespeare financed a home today he’d probably ask on the subject of mortgage points: “To pay or not to pay? That is the question.”Homebuyers direct the same question to their real estate agents. Here are some perspectives: In its simplest definition, a point is an additional loan fee that is paid to the lender in exchange for a lower interest rate. It’s called “buying … [Read more...]

How To Get FREE Property Listings Delivered To Your Email

Complete the form below to receive free property listings along with your very own client portal that allows you to manage your listings. You will receive new listings daily as properties hit the market. You can adjust your criteria by simply calling or emailing me with the changes. If at anytime you no longer wish to receive the listings, just simply unsubscribe by clicking the link at the … [Read more...]

How to Choose A Real Estate Agent

Do you want a personal connection to your agent? You will be spending a lot of time with the agent you hire to find or sell your home. If you can put up with someone who has a speech pattern that drives you crazy ('like, you know') as long as they do the deal; if you don't mind spending hours in a car with a person who is basically nasty and unpleasant or one who drives like a maniac, then pick … [Read more...]

Why Work With A REALTOR®?

All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature. REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are … [Read more...]

What Everyone Should Know About Equal Opportunity In Housing

The sale and purchase of a home is one of the most significant events that an individual will experience in their lifetime. It is more than the simple purchase of housing, for it directly impacts the hopes, dreams, aspirations, and economic destiny of those involved. It is for this reason that the Fair Housing Act and other federal and state laws were enacted to guarantee a right to a national … [Read more...]

RealtorPat.com is owned and maintained by Pat Phillips, © 2010 Pat Phillips. All rights reserved. Pat Phillips is a licensed agent with Prudential Karam & Simon, Inc. REALTORS®.

An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. Used under license. Prudential Karam & Simon, Inc., REALTORS®. Equal Housing Opportunity.

Prudential Karam & Simon, Inc., REALTORS® supports fully the letter and spirit of Fair Housing and the Federal Fair Housing Act and various State laws to protect diversity and adherence to fair housing standards. We encourage and support an affirmative advertising and marketing program, in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, financial status or national origin.