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real estate transactions Archives

Assessing if refinancing would benefit your situation

When you purchase a home in Pennsylvania, chances are you are filled with mixed emotions including excitement that you have just made a worthwhile investment, and maybe a bit of anxiety about putting your money toward something so big and important. At Gesk Moritz LLC Attorneys at Law, we understand the hesitations that people make when they are considering various real estate transactions. 

Is getting mortgage approval harder if I am self-employed?

According to Bankrate, the number of people who are self-employed in the United States is on the rise, which means an increasing number of people who own their own business are going to approach banks for mortgage loans for their new homes. However, being self-employed may make it more difficult for a Pennsylvania lender to approve your mortgage loan. This is because lenders want you to prove that you have a steady income and that your business is stable. 

What happens during a title search?

Investing in a new home entails some level of risk. Even if you had an exhaustive inspection performed on the property, there might still be lurking issues that call into question ownership and end up costing you more than you anticipated down the line. That's why having a title search performed is so important. First American explains more on the title search process and why it's crucial for prospective homeowners. 

How can you prepare to become a homeowner?

If you are preparing to purchase your first home in Pennsylvania, there are probably moments where you feel excitement and anticipation for the future. There are probably also moments where you feel unsure of where to begin and nervous about the prospect of owning and caring for your own property. Fortunately, there are proactive steps that you can take as you prepare to embark on the exciting journey of becoming a homeowner. 

What is title insurance and do you need it?

When you buy a home in Pennsylvania, you will discover that the process involves paying several mysterious fees. One such fee you will have to pay is for title insurance. If you are like most new home buyers, you have no idea what title insurance is or why lenders require it. Hopefully this article sheds some light on the subject.

What is an HOA?

When you are buying a home in Pennsylvania, you may come across homes that are in an HOA. HOA stands for homeowners association. According to, an HOA is an organization that helps manage and maintain common areas and public areas in a community. They are common with condos or houses in a gated community.

What are the best home renovations?

If you want to sell your home in Pennsylvania, you may want to take time beforehand preparing it so you can get the best price possible. While there are many renovations and additions you can do, some pay off more than others. The last thing you want to do is put a lot of money in your home without getting a nice return on your investment when you sell. Luckily, Bankrate explains there are proven renovations that do pay off.

Using home equity to one's advantage

When people are looking to buy or sell a property, using the equity they have built in their current residence can be a valuable way to gain advantages that otherwise would be difficult to have. When people in Pennsylvania work hard to manage their debt appropriately and use their money strategically, they can put themselves in an advantageous position for future real estate transactions.

Should you rent or buy a home?

At some point, you may ponder whether you should continue renting or if you should buy a home in Pennsylvania. This is a serious decision that requires a lot of consideration. Jumping into buying a house if you are really ready can bring about many financial problems. It may help to look at your needs and wants to determine if renting or buying is best for you.