Mortgage Application Checklist The mortgage application requires a good deal of information.  The information as well as the documents proving the data can feel very personal. The lender is required by some laws to ask for some data. Other data is the lender’s policies and lending guidelines. Information Full legal name, Social Security number, Date of Birth phone number, email address,... Read more

CC&Rs Can Have a Big Impact on a Home   Covenants, Conditions, and Restrictions or CC&Rs create rules for a housing community.  The CCR&Rs are agreements on the part of the buyer to do or not do certain things.  The buyer automatically agrees to these by purchasing the property. Some CC&Rs are easy to understand others may cause some life style changes. ... Read more

Debt to Income Ratio The debt to income ratio (DTI) is a very important factor for qualifying for a mortgage. What is a Debt to Income Ratio? The Debt to Income Ratio compares the applicant’s total fixed monthly expenses like monthly housing expense and other monthly debt obligations to their gross income. Some examples of monthly housing expenses are monthly housing costs or the housing... Read more

Why Coffee Real Estate?   Yes I like coffee but that is not a really good way to name a business. Coffee is easy for people to remember. Coffee is generally will liked. And I think it makes for a good logo and promotional items. Coffee is a well-known comfort food. The aroma of coffee fills a home with a rich pleasurable ambiance. Coffee with family and friends help make a house a home. But I... Read more

What’s up with CoffeeReal.Estate? Coffee Real Estate’s web site is CoffeeReal.Estate. There is no .com. Yes another business had the .com address. But we went for the cool factor of a .estate web site address. .estate is visible to Internet users as the suffix at the end of a domain name. What is . estate? And how can the internet find web sites that do not use the .com, .gov, .net and... Read more