Dean Hartman

The Lesson of Megan

May 17, 2012

This upcoming weekend, my daughter Megan, the eldest of our four children is graduating from Binghamton University. When these type of life events happen, I like to reflect upon both “How did we get here?” and “What are the best actions I can take to make sure things stay on the right path?” As I [...]

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Listen to Your Elders

May 3, 2012
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The past week has been a whirlwind for me. Last Thursday, I had major surgery. I tell you this only as an explanation of how I came to write this week’s blog. I have been in a rehab facility for a couple days and what is most impressive is how the other patients are so [...]

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Proper Planning for Your Mortgage Application

April 26, 2012
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With good preparation, most things are easier. That works in mortgages too! Today, I want to give you some ideas that can make your mortgage experience less painful. Income Items: Gather your documents. Today, many people will have to produce 2 years’ complete tax returns, including W2′s, 1099′s, K1′s, and all the schedules, as well [...]

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6 Don’ts After You Apply For A Mortgage

April 12, 2012
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I learned a long time ago that “common sense is NOT common practice“. This is especially the case during the emotional time that surrounds buying a home, when people tend to do some non-commonsensical things. Here are a few that I’ve seen over the years that have delayed (and even killed) deals: Don’t deposit cash into [...]

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Spring Has Sprung

March 22, 2012
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Here comes Spring, historically the time of year when buyers awake from the winter slumber of the holidays and snowfall, and go on their pilgrimage to look for new housing. Houses look better in Spring with green grass, blooming trees, and flowers. Plus, buyers who find a home in the next 60 days can close [...]

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March Madness for Real Estate and Mortgages

March 15, 2012
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It’s the time of year when the so-called experts tell you how to fill out your brackets for college basketball. The frenzy has been coined March Madness. Well, in the mortgage industry, we are seeing a frenzy of headlines, offers of so-called expert advice, and an unusually high level of buzz around real estate and [...]

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