Welcome To The Sweeney Companies

Welcome to New Hampshire's and Massachusett's premier real estate closing and settlement services site. We are a full service Law Firm and Title Company offering a wide variety of legal services, including Estate Planning, Business representation and Real Estate Transactions. Sweeney & Sweeney and it's sister company, Sweeney Title Services, LLC are preferred by mortgage lenders, real estate professionals, and consumers conducting real estate business in New Hampshire, Massachusetts and Maine because of our years of experience and our reputation for excellence plus the convenience of...
More

How to Mold Your Real Estate Prospects Into Ideal Future Clients

There's nothing better than working with a client who listens to every piece of advice you give along the way. It makes for a smooth transaction, you enjoy working with each other, and it helps you get them the best results possible. They're the type of client who has you saying, "If only they could [...] The post How to Mold Your Real Estate Prospects Into Ideal Future Clients appeared first on Lighter Side of Real Estate. Read More
More

Survey Reveals the Importance of Hiring an Empathetic Real Estate Agent When Buying a Home

Looking for a home in the past few years has been difficult for almost all buyers. Even those who have all-cash offers, waive every contingency, and offer well over asking price have been losing out on their dream homes. It's been so frustrating that it can bring you to tears at times...literally! According to this [...] The post Survey Reveals the Importance of Hiring an Empathetic Real Estate Agent When Buying a Home appeared first on Lighter Side of Real Estate. Read More
More

The Pros and Cons of Using an Escalation Clause in a Bidding War on a House

It doesn't matter if it's a sellers' market or one that's more in favor of buyers; if a house is desirable and priced appropriately, the chances are you're going to find yourself in a bidding war. Makes sense, right? If you love the house, most likely other buyers in the market will as well. So, [...] The post The Pros and Cons of Using an Escalation Clause in a Bidding War on a House appeared first on Lighter Side of Real Estate. Read More
More

What Are VA Home Loans?

http://bucket.wistia.com/medias/ak84icnc4b?embedType=async&videoFoam=true&videoWidth=640 What Are VA Loans? As the video says, the name is misleading - they’re not loans FROM the VA. The VA - short for “US Department of Veterans Affairs” - is the Federal military veteran benefit system. The VA administers benefits and services for Servicemembers, Veterans their dependents and survivors. Programs related to home loans are one of their key services. The VA is not a bank; they do not provide home loans themselves. But they do guarantee a portion of home loans provided to ...
More

When Do I Get My Loan Closing Disclosure?

http://bucket.wistia.com/medias/2hdw2fv1zi?embedType=async&videoFoam=true&videoWidth=640 If an eligible loan proceeds from Estimate to closing, creditors must provide a Closing Disclosure form documenting the actual transaction terms and costs THREE business days before consummation. It must be in writing, whether paper or digital, and disclose ONLY the information specified by the CFPB. If terms or costs change prior to consummation the creditor must provide a corrected disclosure containing the updated terms. In some cases, this may require an additional 3-business-day waiting ...
More

What Is The Debt-To-Income Ratio (DTI)?

http://bucket.wistia.com/medias/wnye5x4yva?embedType=async&videoFoam=true&videoWidth=640 Measuring your existing debts against your existing income is one part of a lender’s required assessment of your ability to repay a loan. Like the video says:  debts are existing financial commitments; a car payment is a debt a grocery bill is not. To calculate your debt-to-income ratio add up your monthly debt payments and divide them by your GROSS monthly income. (Gross income is generally the amount of money you earn BEFORE taxes and other deductions.) The Federally-established d...
More