http://www.isnare.com/?s=author&a=James+OBrien Finances James OBrien Tue, 29 Jan 2008 00:00:00 +0800 http://www.isnare.com/?aid=219326&ca=Finances Adjustable rate mortgages, or “ARM’s” are loans in which the interest rate changes periodically according to the terms of the loan program. Compared to a fixed-rate mortgage, there is usually a lower interest rate to start, but the interest rate is adjusted at periodic times, usually based upon an “... Real Estate James OBrien Wed, 14 Nov 2007 00:00:00 +0800 http://www.isnare.com/?aid=49649&ca=Real+Estate Searching for a home can be an exciting, hope-filled, stressful, and uncertain experience, all at the same time. To help alleviate some of this stress and uncertainty, it is suggested that you create a “Wants and Needs” assessment. It may sound simple, and it is, but it can save you a great deal of... Real Estate James OBrien Wed, 14 Nov 2007 00:00:00 +0800 http://www.isnare.com/?aid=50600&ca=Real+Estate Many real estate professionals consider price, marketing, and condition the three most important controllable factors affecting the sale of a home, with price being the most important of them all. If you really think about it, pretty much anything will sell if it’s priced right. An old non-classic b... Real Estate James OBrien Mon, 05 Nov 2007 00:00:00 +0800 http://www.isnare.com/?aid=51140&ca=Real+Estate The process of buying a home may feel like an intimidating task, but taken step by step, it is actually not that bad at all. It can and should be an exciting time, to search for, to find, and to purchase the home where special memories, possibly a lifetime’s worth, will be made. To begin with, most... Finances James OBrien Wed, 16 May 2007 00:00:00 +0800 http://www.isnare.com/?aid=151332&ca=Finances Your home is most likely the single biggest asset you own, and can make the decision to refinance a difficult one. Also, a home is most often filled with the owner’s personal touches and contains many memories. You might ask what the heck family memories have to do with a home refinance. Good questi... Finances James OBrien Sat, 05 May 2007 00:00:00 +0800 http://www.isnare.com/?aid=148668&ca=Finances The almighty interest rate is a very important number, and quite possibly the most important consideration for individuals who are searching for a refinance loan. There are many qualifying factors that ultimately determine the interest rate that you will get for your particular circumstances and res...