Searching for a home is becoming easier every day with more access to web sites across the country Realtor.com is the king of real estate listings.

Searching for a home is becoming easier every day with more access to web sites across the country Realtor.com is the king of real estate listings. 

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Searching for your home on the internet can be easy if you take your time and don’t get sucked into any on-line site that sells you and your information to the highest bidder. Remember local Chambers of Commerce, School Districts, and City web sites have great information about the local area. Keep a file in your favorites of all the websites you find useful.

Keep in mind, mortgage brokers and lenders work on commission, so finding you a mortgage product and getting it to the table is just as important to them as it is to you. Best of luck.

Call Now (888) 981-8435

There are real estate company sites such as ColdwellBanker. com and Remax. com where you can access the local affiliates and all their listings in the US, Canada, or International. Or a little back door play is to go to the state board of realtors where they list all the local realtor boards and the local MLS sites.

1.Realtor. com The number 1 real estate web site bar none. It is comprised of all the local MLS realtor board listings. It has all the visual and virtual tours and more photos than the local MLS systems allow. Local real estate agents will pay to get good positioning on the webpages for advertising when their local area is requested you see them first or at least in the top six. You can also request information about any of the listings on the site and you will normally receive a response within 24 to 48 hours from the better agents. One draw back is that realtor.com is sometimes 3 to 5 days behind the actual listing date.


2.ColdwellBanker.com  The number 2 real estate web site. Has easy access to its real estate listings around the world. The “Personal Retriever”  feature allows you to enter in your criteria and will notify you of any updates or new listing you can select to have the emails sent daily or weekly. Coldwell Bankers  “Lead Router”  system is state of the art in high tech features when you request information on any of their listings your request goes one stop and then directly to the agent’s phone who listed the home. During normal business hours you should get a return call within minutes with all the up to date information directly from the listing agent. No other real estate company or lead source has anything that approaches this system.


3.Remax.com The number 3 real estate web site behind ColdwellBanker.com. Still has a long way to go your basic site allows you to search listings has local information available from the local franchise sites. Doesn’t approach anything like the “Lead Router” or “Personal Retriever” of ColdwellBanker.com. You can get easy access to their Remax listings.


If you are on the market for a new home, you may want to look into buying a home with no money down, otherwise known as 100% financing.

The benefit of buying a home with no money down is that you will be able to use the money you normally would use for a down payment  for other things, such as closing costs, or putting it toward new furniture.

One of the requirements for buying a home with no money down is having excellent credit, or, at the very least, next to excellent credit.

Keep in mind, when borrowing up to 100% of the value of a home, the lender may charge you a bit more by bumping up the interest rate.

The lender does this because when they approve a loan for 100% as opposed to 95%, they are taking on  more of a risk. Therefore, they slightly raise the rate.

Remember, borrowing up to 100% can be very convenient if you simply don’t have the money for the down payment, and we all know, we pay for convenience.

Because of the slightly higher interest rate you may run into in this situation, you may want to consider shopping around for the best rate and product to fit your needs and budget.

The mortgage industry is a highly competitive one, and there are many mortgage companies out there across the United States that offer programs with the option to purchase a home with no money down.

If you are not interested in doing the shopping around yourself, or simply just don’t have the time, you may want to consider hiring a broker to do it for you.

Brokers have access to hundreds of lenders across the United States, making it easier to shop a few mortgage companies for you.

It really wouldn’t hurt to allow one of these brokers to assess your situation than let them speak with a few lenders to see what kind of deal they come back to you with. Once they have done this, you can base your consideration on the best rate and program they can get you for buying your home with no money down.