Team Hochberg Blog
Retirement Income: Avoid The Shock
Forbes came out with an article discussing “retirement income shock.” Essentially, the different ways that your income can take a hit while you’re retired. This is a scary prospect for most people, and people wind up quickly destroying what they’ve saved if they don’t have a plan on how to maximize their retirement. You’ve gotten…
Read MoreThe Costs of Not Selling Your Home With a Real Estate Agent
We live in the DIY time where everyone thinks they can do anything they can find on youtube. As a result, many people are leaving money on the table when they go to sell their home without a real estate agent. You certainly CAN sell your home without a realtor, but why would you when…
Read MoreSelf Employed: How To Get A Mortgage and Keep Doing What You Love
People who are self employed aren’t doing it because it makes their life easier. Being self employed means more paperwork, extra steps, long hours, but it shouldn’t mean that you can’t get a mortgage. If you’re self employed, most of the time I’ll need a few extra bits of paperwork to get a mortgage, but…
Read MoreCredit Problems Make Your Entire Life More Expensive
If you have credit challenges, it’s going to cost you in many areas of your life. That’s why it’s so frustrating when I give people a plan to enhance their credit, which I can do for anyone that calls me for free, and they don’t follow it. It’s their money, and ultimately all I can…
Read MoreReverse Mortgage Loan Scam: Another Con Artist Takes Advantage of the Elderly
About once a week I see a story about some con artist who is scamming people out of money under the umbrella of a reverse mortgage, and this week I found this story. So let me say, for the 100th time. These stories have NOTHING to do with Reverse Mortgage Loans. They have EVERYTHING to…
Read MoreHow Much Does It Cost to Buy A Home?
Whenever people call 855-563-2843 to buy a home, they almost always ask me how much it’ll cost to buy a home. The answer is always the same… It depends. How much do you have to put down? It doesn’t have to be 20%! Are you interested in pursuing many of the grants and down…
Read MoreEverything You Need to Know About Your Credit Score
You hear from my credit enhancement expert Gary Novel every single Saturday on my radio show on WLS. Gary offers a tip about your credit every time he’s on and those tips are vital information for consumers who are credit challenged. No matter where your credit score is, my team can give you a plan…
Read MoreThe Housing Crash: Not Every Community Has Recovered
I came across this article from the Chicago Tribune that I wanted to share with you. It provides data and insight to something you likely are unaware of. While most of the country has recovered, some communities are still dealing with the fallout of the housing fiasco that began to show in 2007. In the…
Read MoreHomeowners Regrets and How You Can Avoid Them
Trulia recently came out with a survey detailing homeowners regrets about the purchase process. You can check out the various regrets in their survey, but I wanted to share with you my informal survey about the regrets of real estate financing. 1. Going with their realtors lender or the bank: You should shop around for…
Read MoreCash is No Longer King at Epic Burger and Elsewhere
I was talking to one of my expert loan officers who tried to go out to lunch at Epic Burger and had to put the order on her credit card because they are no longer accepting cash. Why is your mortgage guy writing about a burger joint no longer accepting cash? Because while more and…
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