Making it affordable: Nine tips for first time home buyers
It seems that everyone loves a good real estate story. The media is filled with reports about soaring property values and home owners of modest means becoming instant millionaires when they sell. As a result, many first time home buyers, afraid of missing out, will rush into buying decisions and ... more...

10 Things to Look for in a Home-Equity Line of Credit
If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash reserves for emergencies, or pay for large expenses (like ... more...

Reverse Mortgages A Tax Free Income For Senior Citizens
I fully realize if it sounds too good to be true, it probably is and There Aint No Such Thing As A Free Lunch (TANSTAAFL) immediately jumped into your head when you read the title of this article. However, if you are 62 or over, you may have just found the goose that laid the golden egg.A reverse ... more...

Decision Time: Home Equity Loan or Home Equity Line of Credit?
Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. With so many people deciding to cash in on their home's ... more...

Real Estate Investing Myths That Steal Profits From Your Pocket
One of the things that distresses us about our industry is the amount of wrong or incomplete information available to investors. Some myths block what otherwise would be a great deal, while others would have you believe that a bad deal is actually great. For example, we encourage purchasing homes ... more...

Buying a Home with Bad Credit Own a Piece of the American Dream
Owning a home is the ultimate American dream. It is also the best way to build wealth for yourself and for future generations. Having bad credit should not prevent you from owning a piece of the American dream.If you have poor credit - you are not alone. It is estimated that approximately 30 ... more...

Reducing Debt Through Lower Interest Loans
It happens to the majority of us, credit card debt accumulates and before we quite realize it, we are carrying a debt load that is far beyond our means. When this happens, we need to take immediate positive steps to knock down the debt as quickly as possible. One of the most efficient ways to do ... more...

What Is A FHA Loan?
Most of us need to borrow some money at least at one point of time in our life. When we want to buy a car, to study at the College or University, when we want to buy a house or home, when we need money to start our own business - even when we use our credit cards.There are many types of loans and ... more...

Escrow From a California Homeowner's Perspective
The Escrow ProcessBoth Buyer and Seller deserve the assurance that no funds or property will change hands until all of the instructions in the Purchase Contract have been satisfied. The Realtor submits Buyers and Sellers signed documents and Buyers deposit money to be held by an independent ... more...

I Want to Buy a Home - Now What?
If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there. ... more...

Home Owners In Trouble! The Real Estate Bubble, Rising Interest, and Variable Rate Loans Concern Fed
Hurricane Katrina, floods, earthquakes, rising fuel prices, shrinking pocketbooks, and now, concerns over variable interest rate loans, are discussions heard throughout the nation.With mounting concerns by the Fed over rising inflation, there is a serious push to increase the current rates of ... more...

5 Simple Steps to Sell Your House Fast!
The decision to sell your house wasn't made on the spur of the moment. It may have been spurred by the desire to live in a nicer home, the need to move for a new job or the necessity to get a handle on out-of-control costs. But whatever the reason for the decision, you've got a lot of work ahead of ... more...

Credit Help for Real Estate Financing: Five Categories of Your Credit Score
1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.Negative points lower credit scores because of 30 days, 60 days, and 90 days late on any debt. The dollar amount of these delinquencies also impacts credit scores. Severity of ... more...

Refinance Your Home to Payoff Debt: Pros & Cons
If you own a home, you may apply for a refinance debt consolidation loan or I call it the (RDC Loan). This type of loan will allow you to have only one payment every month. This should give you a little relief and free up some cash for you. You may also be more attentive in paying your refinance ... more...

Location, Location - NOT!
Untold Secrets of Buying and Selling Real EstateOwning a home can truly be satisfying. However, with the financial pressures of today's world, getting good value is crucial. These days I am much savvier about buying and selling homes than I was when we bought our first of eight houses. The ... more...