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Mortgage and Home Financing Articles
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- 4 Steps To Home Loan Modification Approval - by Submitted on Jun 04, 2010 from Krista ScruggsIt may seem that applying for a loan modification is like putting money in a slot machine. Some people get lucky and end up with a newly modified loan, while others, for no apparent reason, aren’t so lucky. There are, however, things you can do to prepare yourself when seeking a loan ...
Views: 1542(6 votes) - Foreclosed Properties Recovery And Foreclosures Preferences - by Submitted on May 30, 2010 from Jennny SummersForeclosure rescue, also referred to as money skimming or collateral stripping, is any of various deceptive real estate procedures targeted at vulnerable, usually low-income, home owners living on the street in the us. Frequently, a majority of these financial dealings reap some benefits from ...
Views: 1068 - 5 Tips For Using The Internet To Find The Lowest Mortgage Rates - by Submitted on May 28, 2010 from Krista ScruggsThe Internet is a valuable tool you can use to help you find the lowest mortgage rates in your area. Mortgage rates will be different depending on where you are and how strong your credit is, and finding the best mortgage rate can be a complex and time-consuming process. The Internet can make ...
Views: 1196(11 votes) - Top 3 Ways To Know Whether Your Home Loan Modification Company Is Legitimate - by Submitted on May 28, 2010 from Krista ScruggsLoan modification—the process of restructuring a mortgage or other loan in order to reduce the monthly repayment required of the borrower—has gained popularity in recent years due to the failure of the housing market and the spike of mortgage defaults. As the need for this service has grown, ...
Views: 1311(3 votes) - How To Calculate An Affordable Mortgage - by Submitted on May 14, 2010 from Peter MushuTo calculate a comfortably affordable home price, most banks follow guidelines that are very similar to each other. Mortgage professionals will generally maximally allow a total debt-to-income ratio of no more than 36% in almost all cases as an utmost maximum and even then such a high debt to ...
Views: 1483(3 votes) - Money Management Tips You Can Bank On - by Submitted on May 13, 2010 from Bern BuentipoWith the current economic climate everyone is looking for money management tips that will help ensure financial security. We all want to save money and get the best value for our dollar, yet it often seems as if we struggle just to make ends meet, leaving little left at the end of each ...
Views: 2158(4 votes) - Personal Finance Help that Challenges the Status Quo - by Submitted on May 13, 2010 from Bern BuentipoAre you looking for personal finance help that will reap results? Are you tired of dealing with a faltering budget and want to regain control of your finances? When it comes to our money, too often we simply accept the status quo, take advice at face value, and do what everyone else is doing ...
Views: 1956(1 vote) - Free Debt Consolidation Tactics to Save Your Financial Future - by Submitted on Jul 12, 2010 from Sam EtkinIf you are in debt, it probably feels like there is no way out. Though your situation may be overwhelming and increasingly stressful, there is no reason it has to keep getting worse. Have you ever considered debt consolidation? There are actually many viable options available to you to help ...
Views: 43908(13 votes) - What Are Some Benefits of a Short Sale? - by Submitted on Apr 20, 2010 from Timothy McFarlinA short sale is a real estate term that describes a home owner being approved by their lender to sell a property for less than the amount owed on the original loan. In most cases, the lender that agrees to the short sale will agree to forgive the remaining debt. There was a time when banks ...
Views: 796 - Tips to Help Stop Foreclosure - by Submitted on Apr 20, 2010 from Timothy McFarlinThe consequences of foreclosure can be far reaching. While foreclosure laws vary from state to state, general strategies exist that apply in most situations. It should be kept in mind that stopping foreclosure does not always imply keeping the house. Stopping a foreclosure may only benefit ...
Views: 932 - How to Choose Your Business Equipment Lease Partner - by Submitted on Mar 28, 2010 from Lai CastilloHaving decided to get equipment lease financing, do you think you're ready to find a lease partner for your business? Do you know the factors that should you should consider before making a choice? Here are some recommendations: Reliable Service. Finding a lease company that you can rely on ...
Views: 1291 - Is a Short Sale Right for You? - by Submitted on Mar 08, 2010 from Mike LesmeisterShort sale real estate transactions have become all too common recently. As a result of the recent housing downturn, many homeowners now owe more on their mortgage than their home is worth. This becomes a major issue if the homeowner encounters financial troubles such as increased mortgage ...
Views: 984(7 votes) - Mortgage Brokers Will Save You Time and Money - by Submitted on Feb 15, 2010 from Marcus BradyIn the past when borrowers were looking for a home loan, be it to purchase a new property or re-finance an existing loan they invariably turned to their bank for finance. A customer of a bank trusted that his or her local bank manager would do the right thing and offer them a competitively ...
Views: 811 - Types of Long-Term Mortgage Protection Insurance for Sickness and Injury - by Submitted on Apr 13, 2010 from james whiteMost literature on the Internet relating to mortgage protection refers to payment protection insurance (MPPI). This type of insurance only provides short-term mortgage cover for sickness and injury. For example, this policy type will pay home loan repayments if the policyholder suffers sickness ...
Views: 1130(3 votes) - First Time Home Buyers: Beware of Home Office Hidden Tax Obligations - by Submitted on Feb 04, 2010 from Christopher ShawWorking from home definitely has its advantages. There is no commute, the dress attire is comfortable, and you set your own hours. Wonderful! However, just like everything else in life, it also has its draw backs or consequences. Filing taxes for most is already a real pain and for those who ...
Views: 1675(2 votes) - Inflation, Mortgages and the Insurance Market - by Submitted on Apr 13, 2010 from james whiteIn almost all areas of the world central banks have pumped billions of dollars into the economy. The vast fall in credit market liquidity and the resulting economic downturn forced central banks to abandon monetary policy techniques that appeared to work so well over the previous ten years. In ...
Views: 1163(4 votes) - Top 5 Reasons First Time Home Buyers Should Use FHA 203(k) Loan - by Submitted on Jan 31, 2010 from Christopher ShawI Guess I really can’t say this enough, today’s market is prime and ripe for the first time homebuyer. There is a surplus of homes on the market due to the overwhelming “down pour” of foreclosures. Included in that surplus are a lot of great deals, particularly “fixer uppers”. The FHA 203(k) ...
Views: 1338(2 votes) - The Most Commonly Used Forms of Protection Insurance Cover - by Submitted on Apr 13, 2010 from james whiteThe latest quarterly Savings and Protection Survey (Q4 2009) from the Association of British Insurers (ABI) revealed the most commonly used forms of personal protection insurance in the UK. The data was collated over the previous six quarters from a sample of working respondents, which provides ...
Views: 1094(3 votes) - First Time Buyers: Honeymoon or Homeownership? - by Submitted on Jan 21, 2010 from Christopher ShawAh, love is in the air. That greatly anticipated question has been popped and answered, the invitations have been chosen and the wedding party is set! You are now preparing to embark upon a new life together. The happy couple have many important decisions to make during this time. One very ...
Views: 1236(1 vote) - First time Buyers: Play House Before You Buy The House - by Submitted on Jan 18, 2010 from Christopher ShawAre you seriously thinking about buying a home, but you’re nervous and unsure as to whether you can comfortably afford it? Then why not “try it before you buy it.” There are two experiments that you can conduct that will let you know if you are financially ready to take on the responsibility ...
Views: 1244(2 votes) - First Time Buyer: Can Full and Part Time Real Estate Agents Be Equal? - by Submitted on Jan 15, 2010 from Christopher ShawI know that I am going to step on a lot of part time toes, but I must speak on the facts. Would you want a part time obstetrician to deliver your baby? No? Then its highly unlikely that you would want a part time agent when you are buying a home. I know it may sound a little extreme however, ...
Views: 1261(1 vote) - To Rent or Buy? That is the Question. - by Submitted on Jan 14, 2010 from Christopher ShawThe decision to rent or to buy a home is not as simple as it first appears. As you may already know, buying a home definitely has it’s advantages. However, the answer has more to do with your individual circumstances. For the first time home buyer who may be nervous and unsure whether to ...
Views: 1322(1 vote) - First Time Buyers: Closing the Deal On Your New Home - by Submitted on Jan 08, 2010 from Christopher ShawAt this point, you have successfully jumped through the many hoops put before you; you’ve searched high and low for your home, the offer has been accepted, your mortgage has been approved and all the other contingencies have been satisfied! Now the finish line is in plain sight with one last ...
Views: 1326(2 votes) - First Time Buyers: How To Choose the Right Home Inspector - by Submitted on Jan 02, 2010 from Christopher ShawIn view of the fact that you are reading this article, would it be safe to assume that you have made the wise decision to hire a home inspector? Great! As you probably realize buying a home is a big investment and you need to find out everything possible about it before you sign on the dotted ...
Views: 1365(3 votes) - Making The Offer To Buy A Home - by Submitted on Dec 31, 2009 from Christopher ShawFinally, you have arrived! You've found the home of your dreams! Take a deep breathe and remain calm. You must act swiftly but wisely. Take the emotions out of it and get down to business. You and your real estate agent must now decide on the best offer to make. Most deals are negotiable! The ...
Views: 1260(3 votes) - First Time Buyers: Four Tips On How To Be A Savvy House Hunting - by Submitted on Dec 30, 2009 from Christopher ShawNow that you've been armed with a budget and a mortgage pre-approval from your lender, there are a few things that you must know before you begin hunting for that dream home. This is the time when communication between you and your agent is most critical since you must convey exactly what you ...
Views: 1280(2 votes) - First Time Buyer have You Found the Right Mortgage Professional? - by Submitted on Dec 26, 2009 from Christopher ShawFinding the right mortgage lender or mortgage broker is absolutely imperative. You are about to make one of the biggest transactions of your life, who you get to process your loan could save you money and stress. Here are a few things to consider when selecting your mortgage ...
Views: 1236(3 votes) - CeMAP Training & How To Become A Mortgage Broker - by Submitted on Dec 26, 2009 from Anthony JudgeIntroduction Considering any new career is a massive step and, as such, should not be undertaken without the essential detailed research. As with most industry sectors, there are a number of traps to avoid when considering a career in the financial services sector and, having been in the same ...
Views: 2861(2 votes) - First time Buyers: Where To Find the Money To Buy A Home - by Submitted on Dec 25, 2009 from Christopher ShawOne of the most important things you must do when preparing to purchase a home is assessing your budget. You must be clear on where you are financially. What can you afford in a monthly mortgage? But also realize that your mortgage payment will often include other fees such as loan interest, ...
Views: 1606(3 votes) - First Time Buyers: How To Jumpstart Your Credit To Buy A Home - by Submitted on Dec 24, 2009 from Christopher ShawTis’ the season for gift giving, however, instead of spending all that time, energy and money on stacking gifts under the tree this year, why not try giving yourself the gift that keeps on giving. The 700+ credit score. Your credit history holds a very significant key to your new home. It ...
Views: 1183(3 votes) - First Time Buyers: How To Jumpstart Your Credit To Buy A Home - by Submitted on Dec 24, 2009 from Christopher ShawTis’ the season for gift giving, however, instead of spending all that time, energy and money on stacking gifts under the tree this year, why not try giving yourself the gift that keeps on giving. The 700+ credit score. Your credit history holds a very significant key to your new home. It ...
Views: 1224(3 votes) - What Every Home Buyer Should Know About Their Credit! - by Submitted on Dec 23, 2009 from Christopher ShawYour credit score is extremely important in the home buying process. It plays a huge role in how lenders view you as a borrower. Your score helps lenders determine how much of a risk you are, the lower the score the more of a risk they feel you will be to default on the loan. It also ...
Views: 1153(3 votes) - Seven Ways to Make Home Buying Simple - by Submitted on Dec 11, 2009 from Christopher ShawThe home buying process can be very stressful, time consuming and costly especially for those who have not a clue. Today’s market is definitely ripe and ready to devour for the home buyer with low interest rates and the price of homes at an all time low, now is definitely the time to buy. In an ...
Views: 1364(3 votes) - MLM Secrets| Network Marketing – 6 Simple Tips to Success! - by Submitted on Dec 10, 2009 from Kenny GreggNetwork Marketing is a business model that is about utilizing your network and building new networks of distributors and customers to be able to conduct the sales of products and or services. It is usually performed by an individual instead of a company. There are key MLM Secrets that should be ...
Views: 929(1 vote) - Claim Your Piece of the Tax Credit Pie - by Submitted on Dec 08, 2009 from Christopher ShawThere is great news for those of you who did not take advantage of the $8,000 tax credit previously offered first time home buyers! It is back by popular demand with a few new features. According to the Internal Revenue Service, more than 1.5 million claims were processed from individuals and ...
Views: 1357(2 votes) - A First Time Buyers Guide to Home Ownership - by Submitted on Dec 01, 2009 from Christopher ShawToday’s market has put many in an “urge to buy” kind of mood. Understandably so. It is definitely a buyer’s market with low interest rates, and the price of homes at an all time low. If you're wise you’ll want to buy now too. Since the demand for buying is high, we thought we would take ...
Views: 1490(2 votes) - Current Mortgage Rates Stimulating Home Sales - by Submitted on Nov 25, 2009 from Total Mortgage ServicesFor the fourth consecutive week, current mortgage rates on 30-year fixed-rate mortgages dipped. The current mortgage rate on a 30-year fixed-rate mortgage is currently 4.78%, matching a record low set in April, while the average mortgage rate on a 15-year fixed-rate mortgage is 4.29%. As the ...
Views: 1188(2 votes) - Financing Can Be A Single Women’s Best Friend. - by Submitted on Nov 24, 2009 from Christopher ShawIf you read the newspapers or surf the internet you can’t help but notice the buzz surrounding the latest trend in real estate, Single Women! The reasons for this significant rise in single women buyers has many different components. This trend which is changing not only the face of ...
Views: 1305(3 votes) - Mortgage Wellness Part 1: Stop Paying Too Much! - by Submitted on Nov 20, 2009 from Lin EnnisOne doesn’t hear it from mainstream media, but most people are still paying their mortgages on time, every time. Even if defaults rise to 25%, three-quarters of mortgagors will still be all right. With that in mind, you can fine tune your mortgage’s health. First, a basic principle. How you ...
Views: 1329(2 votes) - Security is Priority to Single Women Buying Homes. - by Submitted on Nov 11, 2009 from Christopher ShawAs you may be aware the fastest growing demographic in real estate sales is single women second only to married couples. Previously we asked the question, “What are Single Women looking for ….. In a Home?” Well, high on the list of 10 things most desired by single women when purchasing a home ...
Views: 1595(4 votes) - Three Biggest Misconceptions about Short Sales - by Submitted on Oct 30, 2009 from Donna TashjianFirst of all, “yes” some short sales take long to sell and “yes” some short sale listings can be frustrating. But let me tell you this; not all are created equal! With a little patience and a little creativity you can overcome some of the shortcomings of listing pre-foreclosure/short sale ...
Views: 1057 - When Will Current Mortgage Rates Rise? - by Submitted on Oct 30, 2009 from Total Mortgage ServicesAll things being equal, current mortgage rates will remain low as long as the Federal Reserve allows them to remain low. Even with a variety of other factors used to determine current mortgage rates, there is no greater influence on current mortgage rates than the Federal Reserve. When it comes ...
Views: 1171(5 votes) - Why Would You Use A Mortgage Broker? - by Submitted on Oct 23, 2009 from George PettitWith the global economy in a current recession, mortgage rates have been at all time lows. Many people get a little confused when they start looking for a lender about the differences between a mortgage broker and a regular bank. This article is designed to help you understand the differences ...
Views: 957(4 votes) - First Time Buyers: Credit Tip of the Week How to Use Secured Credit Cards - by Submitted on Oct 13, 2009 from Christopher ShawFirst Time Buyers: Credit Tip of the Week Secured Credit Cards The use of a secured credit card can and will build your credit over time, it is not an overnight fix to your past credit woes. What is a secured credit card: “a credit card that is issued to a consumer that is tied to their ...
Views: 1292(1 vote) - Chattel Mortgage - Things to Know Before Apply - by Submitted on Sep 18, 2009 from Daryl HuntA Chattel Mortgage is a type of finance which is typically used by businesses to finance the purchase of commercial vehicles, cars, business equipment and office equipment. Anyone wishing to finance the purchase of goods for business purposes can take the benefits from chattel mortgages. In ...
Views: 1253(1 vote) - The Current State of the Local Market! - by Submitted on Sep 16, 2009 from Fran LichtmanThe news remains positive. New Jersey has gone from having 17 months of existing inventory at the beginning of this year to about nine months now. We have seen six straight months of increased sales. Locally, our areas currently have about five to six months of inventory overall, but in the most ...
Views: 806 - Going Beyond the World Wide Web to Find Mortgage Leads - by Submitted on Sep 16, 2009 from John PerryUsually, when one mentions mortgage lead generation, the first thing that comes into mind is the World Wide Web. After all, the Internet is very convenient marketing tool. There are already a lot of marketing tools that are for free, such as social networking websites, article and website ...
Views: 871 - Knowledge of the Safest Commercial Mortgages is Must to Have - by Submitted on Sep 11, 2009 from Andrew GomesAre you in badly need of a commercial refinance loan? But, you are not familiar with the nitty-gritty of this field. Then, only the service of a mortgage broker can help you out. It would not be the safest option if the broker misguides you. Knowledge of what a commercial remortgage loan is and ...
Views: 845 - First Time Buyer -Dont put the Cart before the Horse - by Submitted on Sep 09, 2009 from Christopher ShawAs I tell all my clients don't put the cart before the horse. In other word don't go shopping until you have the cash or you've secured financing. A lot of people do this which can sometimes backfire and lead to frustration and disappointment. First of all, say you start looking and find a ...
Views: 1325(1 vote) - New Wave of Foreclosure Bus Tours Puts You First, Sale Second - by Submitted on Aug 28, 2009 from Christopher ShawAugust 2009-Investing in real estate has never been easier, nor more user friendly thanks to the newest wave of foreclosure bus tours. The Foreclosure Bus Tour offers exclusive, detailed and personal information about properties available to tour participants from real estate and investment ...
Views: 1334(2 votes)