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Mortgage Loan Programs: Debt to Income Ratios to Know

09/14/2015 by Ginny

Mortgage Insurance - When Home Buyers Have to Have It

Mortgage Loan Programs: Debt to Income Ratios to Know Many home buyers want to know what are the Debt-To-Income Ratios For The Major Loan Programs?  So I thought it would be good to have my mortgage … [Read more...]

Filed Under: Home Buyer Resources

Home Buyers Need to Know What is in a Mortgage Payment

07/19/2015 by Ginny

Home Buyers Need to Know What is in a Mortgage Payment

Home Buyers Need to Know What is in a Mortgage Payment It is not uncommon for a Borrower to be surprised by the amount of the Monthly Mortgage Payment on a property they want to purchase.  This is … [Read more...]

Filed Under: Home Buyer Resources

Short Sale or Foreclosure Fix Your Credit to Buy a Home Again

03/28/2015 by Ginny

Short Sale or Foreclosure Fix Your Credit To Buy a Home Again

Short Sale or Foreclosure Fix Your Credit to Buy a Home Again   Fixing Credit After A Foreclosure Or Short Sale during the waiting period is so important.  A foreclosure or short … [Read more...]

Filed Under: Home Buyer Resources

What Debts Make Up Debt-To-Income Ratios for Home Buyers?

02/19/2015 by Ginny

Mortgage Insurance - When Home Buyers Have to Have It

What Debts Make Up Debt-To-Income Ratios for Home Buyers?   Debt to Income ratios is a basic starting point on whether or not a home buyer is able to qualify for a mortgage.  As a mortgage … [Read more...]

Filed Under: Home Buyer Resources

Wickford RI New Construction | North Kingstown Real Estate

02/13/2015 by Ginny

North Kingstown RI Home Sales Report June 2016

Wickford RI New Construction | North Kingstown Real Estate   A new home construction development in Wickford RI called Cold Spring Farm has been launched just two minutes from the historic … [Read more...]

Filed Under: Home Buyer Resources

Luxury North Kingstown Homes for Sale | December 2014

12/17/2014 by Ginny

North Kingstown RI Real Estate Report December 2014 Year End

Luxury North Kingstown Homes for Sale | December 2014 North Kingstown RI Luxury Real Estate There are many neighborhoods in the North Kingstown community that have luxury North Kingstown homes for … [Read more...]

Filed Under: Home Buyer Resources

Buying a Rhode Island Home Prior to It Being On Market

11/01/2014 by Ginny

Buying a Rhode Island Home Prior to It Being On Market

Buying a Rhode Island Home Prior to It Being On Market   The oohs, aahs, you must be kidding, etc. expressions are on the lips of many home buyers when they find out a RI home is sold prior … [Read more...]

Filed Under: Home Buyer Resources

Qualifying for Mortgages Using Alimony and Child Support Income

09/30/2014 by Ginny

Qualifying for Mortgages Using Alimony and Child Support Income

Qualifying for Mortgages Using Alimony and Child Support Income As a mortgage lender and my guest mortgage person, George Soutu has mentioned before the need to document the continuance of income, … [Read more...]

Filed Under: Home Buyer Resources

Home Inspections With a Time Limit | Heed with Speed

09/03/2014 by Ginny

Home Inspections With a Time Limit | Heed with Speed

Home Inspections With a Time Limit | Heed with Speed   Time is of the essence as it applies to home inspections in RI home purchase and sale contracts on properties that reach agreement … [Read more...]

Filed Under: Home Buyer Resources

How Does Divorce Affect Mortgage Borrowing | Must Knows

08/12/2014 by Ginny

How Does Divorce Affect Mortgage Borrowers | Must Knows

How Does Divorce Affect Mortgage Borrowing | Must Knows   I am taking the opportunity here to share valuable borrowing information for all mortgage borrowers in a divorce process by guest … [Read more...]

Filed Under: Home Buyer Resources

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About Ginny

Ginny Gorman
Ginny Lacey Gorman
RI Real Estate Services
631 Main Street
East Greenwich, RI 02818
401-529-7849
401-885-5400
RIByTheBay@gmail.com

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Attention Sellers!

Before you plan to sell your home understand the right selling price for your RI real estate is the best price buyers will pay for it. As a client I will give you a comprehensive market analysis of current sold, pending and active properties in your market area. Just enter your information here for a response and call.


Your information is kept secure and confidential. Understand that Rhode Island's housing market differs from the rest of the country and is very town and neighborhood specific. I look forward to hearing from you!


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