Gulf Life Now

Considering selling your home?  Will it pass an FHA or VA inspection?  This podcast was created to help you understand what inspectors are looking for.  If you are a buyer and want to finance your home with a VA or FHA loan, be sure the house you are looking at will pass the inspection. After listening to this podcast, you will understand the basics of what the inspectors are looking for.  Health...

One of our Mississippi Gulf Coastal gems.  The small city of Bay St. Louis is located on the Western side of the Mississippi Gulf Coast within a short drive of New Orleans.  This small coastal community is known for its hospitality. Having suffered greatly from Hurricane Katrina, the community has bounced back and is better than ever.  New construction is everywhere.  Restaurants, hotels, and more...

Why are you renting when you can buy with as little as a 3.5% down payment and a good credit score. Your rent is $1,650 and the mortgage payment is $1,245 per month. This is an example of real rental property and what it would cost to buy that same property? You should buy Vs. rent a home: now. I just received a notice today about a house that has been offered for rent at a rate of $1,650 per mont...

Mississippi has several valuable exemptions from property taxes.  You must apply for them if you qualify.  Taxes in Mississippi are almost the lowest in the nation according to TaxRates.org.  Learn if you qualify for one of the exemptions and how to apply.  Logan&Anderson, Gulf Coastal Realtors sponsors Gulf Life Now.  Please visit our website at LoganAndersonLLC.com Come visit the Mississippi...

So you are selling your house and the buyer's house inspector found items. Should I make repairs to my house or offer cash to buyers? This question is asked very often of realtors during the process. A buyer makes an offer usually with a contingency of home and termite inspections. What this usually means for the seller is that there will be things that the buyer wants to be repaired. This is...

A strategy used by some who are working with a 1031 exchange project.  Pull out cash before the exchange making it tax-deferred at present.  This discusses why someone would want to sell their home immediately after the cash-out refinance. Please listen to our other podcasts and visit our website at LoganAndersonLLC.com and read some of our podcasts on similar subjects.   Logan&Anderson, Gulf...

Applying for a home loan? That debt-to-income ratio is confusing for someone with a good credit rating. You think with a 720 credit score you are automatically qualified for a loan. If your debt to income ratio is out of balance, you will not qualify. This blog will show you how to improve your debt-to-income ratio now.  The type of loan you obtain, conventional loans, or government loans, all use...

You are thinking of making a change that is why you clicked on this blog article. Let's get down to it. Do you want to save big on your dream house, near or close to the beach? You have come to the right place both geographically and electronically. Logan-Anderson, Gulf Coastal Realtors is located in Gulfport, MS dead center on the Mississippi Gulf Coast. We love to help anyone buying or sell...

Before you apply for a mortgage loan, you need to read this article. We have included the 12 best tips to qualify for a mortgage loan now. Mortgage requirements are almost universal. Understand that the firm that provides the initial loan will probably sell it.  Before the initial lender can sell your loan, it must meet specific requirements. At a minimum, you will learn 12 valuable tips to help y...

Logan-Anderson, Gulf Coastal Realtors sponsors Gulf Life Now.  This podcast informs the listeners who we are, what we do , and how we can serve you.  As Real Estate Agents on the Mississippi Gulf Coast, we strive to serve our clients with the latest technology such as this podcast. This podcast explains our experience and what we offer to our clients.  Please listen and visit our website at LoganA...

Everyone should have a professional support team on standby. Your team includes CPA, attorney, insurance broker, real estate agent, and others from whom you can obtain professional advice. Life happens and when it does, you should be prepared. Perhaps you have a relationship with a family law attorney but have no relationship with an Insurance broker. Don't wait until you need someone for an...

Many people come to the Mississippi Gulf Coast for the beaches and casinos. While these are great reasons to visit or move here, there is more. Today, I was invited to one of the many ranches located about 20 miles north of the beach. The experience was memorable. While I was there, I watched a cow give birth to a calf. What a sight. I drove around with my friend on their side-by-side going from o...

Gulf Life Now is a service of Logan-Anderson, Gulf Coastal Realtors.  This podcast explores who we are and how we can be of service to you.  As Real Estate Brokers located on the Mississippi Gulf Coast, Logan-Anderson, Gulf Coastal Realtors can help you find that retirement home.   When it's time to move up from that two-bedroom home to a three or four-bedroom house with a yard, we can help....

You just received a notice from your mortgage company that your payment will increase by $300 per month. Why, what does this mean? Should I pay the shortage now or overtime? What is a shortage anyway?  New buyers may just be receiving their first escrow analysis and don't understand how the mortgage company calculates their payment. Shortages in the escrow account can be handled in various wa...

Compare a 1954 build 1,344 sq ft tract house in Garden Grove, CA to a 2022 built 1,992 sq ft house in Ocean Springs, MS. The Garden Grove house just sold for $920,000. The Ocean Springs house is available at $235,000 (est). Save 72% on housing, move to the Mississippi Gulf Coast Now while this property is available. There are more things to compare than just price. How about the fact that the Ocea...

Unlike the crowded beaches of Florida and Alabama, come to the Mississippi Gulf Coast and rent a vacation house.  Warm temperatures compared to northern states, generally clear skies, and miles of beaches. Go fishing, wakeboarding, parasailing, or just hang out at the fire pit with friends at the beach.  We have 12 casinos to provide entertainment and great food.   The lines at restaurants are sho...

A most often asked question is, "should I pay off my mortgage before I retire?" or at retirement or just after I retire. Let's talk about financial security through the use of other people's money, specifically your mortgage. "OPM", is the term used by many to describe "credit". A dirty word for many including Dave Ramsey.  Our focus here is primarily on you...

This question "Is Ocean Springs, Mississippi a good place to live?" is asked with some frequency on Google. My experience having relocated from California is a resounding "YES". There are so many great qualities to this small city on the Mississippi Gulf Coast, It's hard to know where to begin. For this reason, I have created a podcast to explain in my own voice why Ocean...

I just retired, my income dropped, I want to buy a house now and I have good credit. Good credit is not enough. You may not qualify on the ratio issue, your total income from retirement is not more than 50% of your monthly obligations. This "ratio" thing gets many people who otherwise are good credit risks. This podcast explains a potential work around of the debt-to-income ratio issue. ...

2018 happened! Revisions to the tax law reduced the amount of taxes you have to pay resulting in a reduction in the amount deducted from your paycheck. Our podcast covers the changes and how they continue to have a positive effect on most Americans. Logan-Anderson, Gulf Coastal Realtors is pleased to present this podcast. Please visit our website for more podcasts and blog articles about real esta...

People should enjoy their life taking advantage of opportunities to have fun.  Life on the Mississippi Gulf Coast is vibrant.  People attend events, fish, go boating, attend art shows, and more.  There are activities all year along the Mississippi Gulf Coast which make life much more interesting.  Something to look forward to, a reason to leave the house.  Logan-Anderson, Gulf Coastal Realtors is...

You are considering buying an investment property. Perhaps a residential rental house.  It looks simple but the most successful investors know there are some complexities.  Learning how to invest in residential rental and other income properties is critical to your success.  This podcast covers the essentials to give you a start.   Our website contains some blog articles  and we recommend that you...

PMI was created for the lender's benefit, not yours.  The second is that your property achieves more than 20% equity through appreciation or principal payments get rid of it.  This podcast discusses PMI and MIP insurance for both Conventional and FHA mortgages.  UPDATE:  Please follow me through the process to remove PMI from a property.  It's been a challenge and not a simple thing to d...