Derek J. Parent

/Derek Parent

About Derek Parent

The Parent Team of Perl Mortgage | NMLS #182283
10 Mar

Buying a Home When Your Partner Has Bad Credit

2017-11-29T23:12:19+00:00March 10th, 2016|Homebuying Tips, Las Vegas, Real Estate News|

You pay all your bills on time and you work hard to earn more — so you can save more. Your credit score reflects your savvy money management skills, and you can proudly boast that you’re a member of the 730-and-up club. Your partner? Not so much. Whether due to past actions or financial mistakes [...]

2 Mar

4 Misconceptions about Real Estate & Capital Gains Tax

2017-11-29T21:56:35+00:00March 2nd, 2016|Homebuying Tips, Las Vegas, Mortgage News|

Walking away with a profit on your home sale is an exciting proposition. But there’s one thing that can suck the excitement right out of such a positive financial move:the threat of taxes on your investment gain — otherwise known as the dreaded capital gains tax. Luckily, the Taxpayer Relief Act of 1997 helps many [...]

23 Feb

The Truth About Bi-Weekly Mortgage Payment Plans

2017-11-30T20:02:37+00:00February 23rd, 2016|Homebuying Tips, Las Vegas, Tips for Realtors|

Traditionally, your mortgage payment is a monthly cost. You submit your payment once a month to the mortgage company, and your money is applied to principal, interest, and escrow. But many mortgage lenders also offer biweekly mortgage payment plans that allow you to pay in installments every two weeks instead of every month. Biweekly payment [...]

13 Feb

10 Questions to Ask Your Mortgage Lender

2017-11-29T00:05:50+00:00February 13th, 2016|Homebuying Tips, Las Vegas, Mortgage News|

One of THE MOST important stages in the home-buying process is finding a reputable lender or mortgage broker to handle your transaction. A good lender will respect that you work hard for your money — and you want to spend it wisely. After running a credit check, your lender will present you with options for [...]

6 Feb

5 Ways to Use a Mortgage Calculator

2017-12-01T00:03:59+00:00February 6th, 2016|Homebuying Tips, Mortgage News, Refinancing|

Whether you’re hoping to buy or planning to sell, a mortgage calculator can give you some valuable insights. Here are five questions a monthly mortgage calculator can help answer to make you more savvy about home buying. Should you rent or buy? There’s more to being a homeowner than just swapping a rent payment for [...]

28 Jan

Will a New Bill in Congress Help You Qualify for a Mortgage?

2017-11-29T00:18:05+00:00January 28th, 2016|Homebuying Tips, Las Vegas, Mortgage News, Real Estate News|

A new bill in Congress could significantly impact your ability to secure a mortgage by changing the way lenders look at credit scores. Known as the Credit Score Competition Act, the bill is in its first stage of the legislative process. Although it’s a long way from becoming a law, future homebuyers have good reason [...]

17 Jan

Should You Combine Finances with Your Partner?

2017-11-30T19:58:50+00:00January 17th, 2016|Homebuying Tips, Las Vegas, Refinancing|

Depending on who you ask, combining finances with your significant other is either a positive step towards establishing a life together OR the worst idea ever. If you're considering it, here are some pros and cons to weigh. Pros Teamwork If you’re on the same page and your financial priorities are fully aligned, you're likely looking [...]

30 Dec

Gifting a Home

2017-12-01T08:44:25+00:00December 30th, 2015|Homebuying Tips|

Are you planning on gifting a home to someone this holiday season? For most people, a gift this generous is probably out of the question. But maybe you had a good year financially, and a family member needs the help. Whatever the case is, here are some guidelines when it comes to giving the gift [...]

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