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Philadelphia is often overlooked as one of our nation’s great cities, but having lived here for the last 19 years, I’d like to share my insight into what a wonderful place it really is.

As a longtime downtown (Center City) resident, I know a few things to be true and correct:

1) Philadelphia is not as bad as Philadelphians (et al) say it is

2) I have honestly yet to hear someone say that they regret having moved into the Center City Philadelphia area

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When you are ready to buy a home you need to be sure that you choose a lender that fits your needs. It’s a good idea to actually shop the competition a bit to see what you can get from each lender.

Before you buy a home or think about buying a home you may assume that all lenders are the same. The fact of the matter is that there are a lot of different lenders out there and they all offer something just a little bit different.

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Check out the real estate market right now. It has the power to make a house seller weep. I’m totally serious! If your home is currently up on the market, then my guess is you’re sweating it out, praying for a sale. What really stinks is the fact that we must price our homes low at this point if we actually expect them to sell. OUCH! Appreciation is in the toilet. Generally homes in decent areas appreciate with each year that passes. However, the past two years have been rough. We’ve only seen about a year’s appreciation in my neck of the woods. That’s half! This has to do with the poor interest rates and the obvious fact that there is a deluge of house listings at this moment. Competition is fierce.

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