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Hey girls! Becoming a home buyer may not be about wearing mini skirts. But how much money you can borrow for buying a house goes hand in hand with current fashion.
How do I know? My dad said so.
I was one of those kids who asked too many questions. Good thing it was the mid 60's and not the 19th century. Surely, my inability to quit asking questions would have made me very unpopular during Queen Victoria's reign.
Little did I know the questions I asked my father as a child would eventually...
•Real Estate Agents And Mortgage Brokers - The Truth About Building Your Business - Learn This Secret
Real estate agents and mortgage brokers, do you know the secret to surviving the mood of the economy?
It took me several years but I finally learned a truth about building a business that not only survives but thrives. I'd like to share it with you.
If the real estate and mortgage industry is new to you, there is one truth to accept in order to build a long term business. Real estate is cyclical. In other words, it constantly evolves according to the trends of the economy.
Here is my...
•The Excitement Of Mortgage Freedom
What if mortgage freedom was within your grasp?
But let's face it. You've just spent a lot of years getting no where on your mortgage. Isn't it time to get in control of your financial destiny?
In fact, what if you started today on a plan to be mortgage free and save money at the same time? But in order to reach mortgage freedom, you need an easy method for tracking your home loan balance. And that's why an amortization schedule is the focus of this article.
Mortgage amortization schedules...
•Mortgage Modification Program - Can You Do It Yourself
Are you a candidate for a mortgage modification program? If you answer yes to any of the 5 following questions, consider applying for a home loan modification.
1. Are you late on your mortgage?
If you are late on monthly house payments or about to be late, you should consider contacting your mortgage servicer as soon as possible to determine whether you can be considered for mortgage modification.
Home loan modification is simply an agreement between lender and borrower to change certain...
•Stimulus Spurs Inflation - Protect Yourself By Buying A Home
"Don't wait on buying a home because there will never be a better time in your life than right now," said my friend who happened to be a real estate agent.
My first thought was yeah right! With the market in such a depressed state you are just desperate to make a sale.
That was 1982. He was both right and wrong.
He was right because the little 3 bedroom, 1 bath house I bought in 1982 for $100,000 is now worth $450,000 even at today's recession prices. That is an incredible increase of 350%....
•Pay A Professional Home Inspector - Avoid This Big Mistake When Buying A House
Why should you pay for a home inspection?
Recently I read about a couple buying their first home. When they made their offer they decided not to make it conditioned on hiring a home inspector even though their real estate agent advised them otherwise.
They thought they could save a few hundred dollars normally charged by a home inspector. They were on a tight budget like most first time buyers. So they asked their dad to inspect the house.
After all he knew pretty much everything there was...
•6 Practical Steps To Determine If An FHA Loan Refinance Is Right For You
Are you ready to refinance? An FHA loan refinance may be just the ticket.
If you are a homeowner, you have already experienced applying for a mortgage. According to FHA, refinancing with this insured mortgage is the same as applying for any other home loan but in addition qualifying standards are easier and protections better.
Here are 6 practical steps the Federal Housing Administration recommends you take to determine if an FHA loan refinance is right for you.
1. Do you already have a FHA...
•Take 9 Easy Steps To Pay Off Your House Fast
Would you like to pay off your house?
Here are 9 simple steps to pay off your mortgage in the shortest time possible. As you read every word of this article you will be amazed that there are no secret formulas, no tricks, nothing to buy, or any life altering decisions to make except perhaps one.
Decide you want to be mortgage free.
Now follow these steps to pay off your home.
Step 1 - First write down all your credit card balances and the minimum required payment. Also make a record of any...
•Who Wants To Pay Off A Mortgage Fast - The 30 Year Fixed Rate Alternative
A debt free house is every homeowner's dream. But how do you pay off a mortgage fast?
"There are few things in this life that equal the sensation of being paid up." - Kin Hubbard, Abe Martin's Back Country Sayings, 1917
I'll never forget my disbelief when we bought our first house. Noticing the year our loan would eventually pay off, I asked my husband, "Honey, do you realize how old we'll be when we make our final mortgage payment?" "Don't worry," the loan officer interjected, "it's an...
•The Secret To A Successful Mortgage Rate Refinance
Here is the secret to a successful mortgage rate refinance. Learn how to ask questions.
Do you remember graduation requirements for mathematics when you were in school? Unfortunately how to apply for a loan wasn't included. Otherwise you would have learned how to evaluate a home mortgage refinance.
If you are looking to refinance your mortgage for the best interest rate and lowest monthly payment at the least cost, you must be prepared to ask specific questions.
Now here's the catch. If you...
•Buying A House - 12 Ways To Signal Your Real Estate Agent
Now that you are ready for buying a house, learn what to expect from your real estate agent and how best to use her expertise.
You've probably heard home buyers routinely complain how their agent didn't do enough while they were buying a house. In truth, most buyers don't know what to look for from a real estate professional in order to receive the best results.
If you have done your due diligence when searching for a Realtor, you can be confident that she is competent and intends to do a...
•Why Your Refinance Could Cost Thousands Without Asking This Question
In the next 2 minutes you are going to learn one question to ask your mortgage lender during a refinance and why it could save you thousands of dollars.
Everyone is thinking about refinancing. You know what I mean, don't you? Mortgage rates are the lowest in a lifetime.
Every day mortgage brokers, loan officers, and mortgage bankers receive phone calls from frenzied borrowers wanting to refinance, especially in these times. Accordingly for many of us interest rates have never been this low...
•The Biggest Mistake Home Buyers Make When Previewing Houses - Not Being Prepared
The secret to buying a house is knowing how to prevent this big mistake. Instead of relying on feelings, you should preview all homes using a home buyer checklist.
Everybody knows that buying a house is an emotional decision and why shouldn't it be? Most buyers usually go through the full range of emotional experiences, from one extreme to another.
Admittedly, one day a home buyer may feel depressed and anxious wondering if they will ever find the right house, at the right price, in the...
•The 3rd Tax Advantage To Buying A House - Tax Free Borrowing
The further you go in life, the more you're starting to feel like buying a house certainly provides serious tax shelter advantages.
Rare thinking people like you already know that the ability to borrow by taking advantage of the equity in your home is an important one. If you live in the United States, buying a house should be a priority of your personal financial plan because of the opportunity to shelter income from taxes.
Tip number one already discussed how expenses related to home...
•Buying A House -- What You Should Know About Government Tax Incentives
By the end of this page you will have learned another important reason why buying a house should be a part of everyone's personal financial plan.
Just think about it. Advocates of home ownership are often very passionate about home purchasing. There are reasons for their enthusiasm. Let's discuss one right now, buying a house as a tax shelter.
Your home is probably the biggest purchase you will ever make and the largest tax shelter you will probably ever enjoy.
The more you review this...
•Decision Time For Buying A House - Vintage Or New Construction
Here is a common dilemma faced when buying a house.
Is buying a new home a better value than buying an older home? Perhaps you have been wondering the same thing.
By the time you finish reading this, you'll will have learned how easy it is to answer these questions. Let's compare new home buying with buying an older home.
A word of caution, there are many decisions to make when it comes to finding the best home for you and your family. There are questions regarding location, affordability,...
•Your House A Tax Shelter
Do you remember hearing your house can act as a tax shelter?
As you read every word of this article, you will discover some of the incredible tax advantages of home ownership.
The government wants to encourage you to own your home. Therefore it allows a home owner to deduct certain costs you may incur from owning a house. In effect, the tax code allows you to reduce some of your out-of-pocket costs related to buying and owning your home.
Expenses related to home ownership can be tax...
•How Willing Home Buyers And Sellers Create Market Value
Do you ask yourself these three common questions often posed by home sellers and buyers alike.
How much is a house worth? How much should I ask when selling? How much should I pay when buying?
A word of caution, these questions are simple yet complex at the same time. Accordingly, this article will discuss the best way to decide the list price of your house as a seller and how much to offer for a house as a buyer.
Following are common methods potential sellers use when they are trying to...
•Do You Want A Real Estate Agent Who Will Hustle
In this article I am going to give you some tips about what to look for in a real estate agent and how to find one to work with. Buying a new house can be stressful. Finding the right real estate agent can significantly decrease your stress levels.
You may be wondering what qualifies me to speak with authority about finding a real estate agent. I don't blame you and I would ask the same question.
Here is the answer. For more than 28 years, my husband and I have helped people buy homes. For...
•Special Alert! The Worst Mistake To Determining FHA Maximum Loan
In this short article I am going to show you how an FHA lender decides what is the maximum loan amount you can afford.
FHA mortgage loans are taking off according to National Mortgage News Online. There is a trend developing here and there's a good reason why.
FHA, the Federal Housing Administration, doesn't make loans directly but it insures its approved lenders against loss. An approved FHA lender is any mortgage originator that has qualified with the Federal Housing Administration and met...
•Learn Why Buying a House is Better Than Renting
Rare thinking people like you already know the advantages of owning a home of your own far outweigh the benefits of renting. At the conclusion of this article you will also have learned why owning a home is at the core of the American Dream.
I know that it's not always possible to buy a home for many reasons. But when the time is right buying a house creates many financial advantages that you cannot afford to overlook. I know. I have personally helped thousands of people buy a home.
The only...
•Successful Home Buying Ideas
As you read every word of this article, you will discover how to begin the process of buying a house. You can begin by simply thinking about your particular situation.
"If you want to buy a house there's probably never been a better time," encouraged Donald Trump recently on Good Morning America.
If you are single you are probably not going to be in the same situation as someone married. If you are married and have children, you are going to have different needs than a couple without...
•Buying A House - Why It Makes America Great
At the end of this article you are going to find out if you are prepared for buying a house. Whether you are buying your first home, second or third the basics remain the same.
Owning a home is the dream part of the American Dream and fortunately that dream is attainable for most families. Like most dreams, desire is important and is the first ingredient. If you have the desire to own a home, you have already satisfied the most important step to home ownership.
Because your home is a...
•Millions Have Been Helped - FHA Home Loan Program
Imagine it is 1934.
The United States is in the depth of the Depression. Out of every ten households, only four own their own homes.
The normal mortgage is limited to 50% of the home's value. If you want to buy a home, that means you must come up with a 50% down payment.
The 30 year fixed rate mortgage, considered the staple of mortgage financing today, doesn't exist. Most home mortgages have a payment term of three to five years and end with a large balloon payment.
Buyers wanting to buy...
•Special Report! US Government Wants You To Buy A House
Wouldn't it be amazing if the US Government wanted to help you buy a house. Well, it does.
As you read every word of this article you will discover why the government is offering first time home buyers an amazing incentive to buy a home. You will also learn four reasons why this may be the best time ever to enter the home buying market.
President George W. Bush recently signed into law the Housing and Economic Recovery Act of 2008. Within this new act are several elements to help the ailing...
•Greenspan Says Housing Nowhere Near Bottom - Could That Mean It's Time To Buy
Everyone knows the housing market is in the dumps. For sellers that hurts. For buyers it could be an ideal time to get serious about buying a house. But here is the question. When is the right time to buy? Those who follow the 5 simple steps outlined below will be prepared to buy a home when the time is right.
I recently received a newsletter from one of my favorite stock gurus. His name is Alexander Green, Chairman and Investment Director for the Oxford Club, a private investment club. In...
•8 Effective Principles To Searching For The Best Lender
While you are sitting here reading this article, you'll learn 8 easy steps to finding the best mortgage lender. You will also discover why searching for a mortgage lender has changed. Lastly, you will find out how to protect your credit during the search process.
Friends ask me all the time how to find a mortgage lender or broker. It comes with the territory. As a former bank loan officer and owner of my own mortgage company, I have an insider's perspective regarding the mortgage lending...
•Three Insider Secrets To Getting Low Mortgage Payments
You don't know it yet but at the end of this page you will have learned three insider secrets to getting low mortgage payments.
You will understand how important it is to be able to explain in one sentence the purpose of your mortgage refinance. You will feel confident knowing you are prepared with the proper details before contacting a lender. You will know to ask questions in order to find the lender that best fits you.
My name is Kate Ford. I am retired now but I have been in mortgage...
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