David Craven

The Housing and Economic Recovery Act (HERA) amends and impacts several aspects of obtaining a mortgage, the disclosures required for borrowers, and the timing of their delivery. This impacts the minimum time to close, and should any changes be made to Read More...

This past week there were four economic reports released. Three of these reports are considered important and one of the three is considered one of the most important reports we see each month (unemployment report). June's Consumer Confidence Index Read More...

Green Building, also known as sustainable building, has become a popular and important focus for buyers of real estate in recent years. Green building is briefly defined as building with the qualities of the outdoor and indoor environment taken into consideration Read More...

Buying real estate with a "nothing down" or a "low down payment" loan has been especially popular since the early 1980's when Robert G Allen wrote his very popular book " Nothing Down " and then followed up with another Read More...

Predicting the real estate market bottom will always be easy after the fact. There will be various opinions in the mean time. The ones that get it right will remind us and the ones that get it wrong will probably be silent. First of all real estate cycles Read More...