HOW DOES THE FEDERAL RESERVE AFFECT MORTGAGE RATES?

Many people believe the Federal Reserve, through the actions of the Federal Open Market Committee, has a direct impact on mortgage rates. It’s actually more so that speeches from Federal Reserve Committee members, announcements of what the Fed is doing, […]

read more

Should You Lock Your Interest Rate Today IF You Are Building An Investment Property?

● Graham W. Parham ● February 11, 2022 ● Buying an Investment Property Interest Rates Out of State Investing Real Estate Investing ● No Comments

Highlands’ 1 Year Rate Lock Extended Program! Highlands Residential Mortgage is excited to share our newest way to help buyers in new construction. Our Extended Rate Cap Program will guarantee and protect your client’s interest rate for up to 360 […]

read more

Is It Too Soon to Refinance My Mortgage Loan?

● Graham W. Parham ● August 28, 2019 ● Conventional Products Interest Rates Investor Loans Real Estate Investing Refinancing ● No Comments

Mortgage rates have fallen a great deal this year and millions of homeowners as well as investors might benefit by refinancing even if they bought a home just last year. Mortgage rates moved lower last week even though the broader bond market […]

read more

What is a Property Survey and Do I need It?

● Graham W. Parham ● July 26, 2018 ● Surveys ● No Comments

In common usage, the term ‘survey’ refers to a drawing of a parcel of real property. This drawing depicts the results of the surveyor’s measurements made in the field and his or her interpretation of evidence relating to the location […]

read more

Top Tips for Passive Investing in Single-Family Rental Properties

● Graham W. Parham ● October 2, 2017 ● Buying an Investment Property Out of State Investing Turnkey Properties ● No Comments

We’ve all heard at some time or another that real estate is a great investment. It’s true—investing in real estate can be your key to financial freedom and the retirement of your dreams. Unfortunately, a lot of people make the […]

read more

Thing You Need to Know About a 1031 Tax Exchange

● Graham W. Parham ● April 30, 2017 ● 1031 Tax Exchanges Turnkey Properties ● No Comments

The identification period in an IRC Section 1031 delayed exchange begins on the date the taxpayer transfers the relinquished property and ends at midnight on the 45th calendar day thereafter. To qualify for a 1031 tax-deferred exchange, the tax code […]

read more

New Fannie Mae Reserve Requirements for Investors With Multiple Properties Owned

● Graham W. Parham ● October 23, 2016 ● Conventional Products Multi Property Loan Programs ● No Comments

There are many investors that still do not know that Fannie Mae is requiring additional reserves from borrower’s that have more than one financed property. The Old requirements was 6 months Principle, Interest, Taxes and Insurance (PITI)on the subject […]

read more