How to Buy a House in the US

Hi. I’m Lisa Schubargo and I am a realtor with Danberry Realtors. I am licensed in Michigan and also in Ohio and I’d like to talk to you about the process of buying a home.

The first step is ….. [Read more...]


Mortgage – Customer Profile

The key element when you’re buying a home is to try to realize what the client qualifies for and what their credit looks like so we do quite a bit of a like a customer profile or a customer checklist to see what the client would qualify for in getting a mortgage. Currently, I would ask for the ….. [Read more...]


Mortgage Loans – Conventional, FHA, VA

Hello. My name is Tom Ciosek with Lakeside Advantage Mortgage. I’m the owner. We’re a full-service mortgage company in Shelby Township. I specialize in mortgages. We’ve been doing it for a long time. I’ve been in business for twenty-five years in the mortgage business. We help homeowners and homeowners throughout Michigan purchase and refinance homes. [Read more...]


Preparing House for Sale – Interior

We’re in the dining room where a lot of people like to entertain their guests. And if you’ll notice when your house is on the market, it adds an extra touch of elegance if you’ll keep your dining room table well-set even if ….. [Read more...]


Preparing House for Sale – Exterior

A lot of things many of us forget is the importance of making sure our yard is attractive when we approach a property that’s on the market. Let’s take a look at the yard. It’s well-manicured. And also we have to have the edging so that the grass looks nice. Always water a bit more. But when we ….. [Read more...]


Preparing House for Sale – Living Room

Hi. I’m Patrice Hughes, real estate broker with Real Estate One in Troy, Michigan. And I’m just going to give you some tips on selling a house today, and things not to do and things to do. The way a house should and should not look. We’re going to ….. [Read more...]



Protecting your personal information is really important. Especially when you get so much mail that comes your way with maybe numbers of bank accounts or personal information, we often just throw it in the wastepaper basket. One way that you can be sure your ….. [Read more...]


Car and Home Insurance

Good afternoon. My name is Donnell Rice and I’m with Nationwide Insurance here in downtown Rochester in Michigan. And I’d like to welcome you first of all to America. I hope that you’ll enjoy your stay while you’re here and if you end up living here, I hope you enjoy that as well.

I’m just going to ….. [Read more...]


Buying a House – Part 3

Financing a Home Purchase -3

The I stands for income. Income needs to be either self-employed income that you’ve been earning for at least a year and a half to two years and you’re showing a profit from that income or income that you’re going to be able to prove that you’re going to earn when you ….. [Read more...]


Buying a House – Part 2

Financing a Home Purchase

Now the mortgage process has changed a lot in this country especially over the last couple of years as a result of a lot of things that have happened in our economy. So what I tell first time home buyers in particular or someone that’s new to this country is think about a ….. [Read more...]