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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

Tutorial on Selecting Mortgage Features
Planning to shop for a mortgage on-line? You need to answer the following questions first, so you know exactly what you are shopping for.      1. What Type of Mortgage Should I Select? 2. Which Mortgage Options Should I Select? 3. How Long a Term Should I Take? 4. ... more...

mortgage iterest real property only loan bad credit rating find related definitions

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

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5 Rock-Solid Real Estate Investment Strategies
Investing in real estate is more complex than simply buying and selling homes. To help new real estate investors to decide which strategy might work for them I put together 5 rock-solid strategies. It is up to you which strategy you feel more comfortable with.1. Buy and HoldThis real estate ... more...

Getting Out of the Zone!
Weve probably all heard the famous movie quip, why dont you wait here while I slip into something a little more comfortable. Its a comment to make most of our ears (particularly male ones!) stand up on end with the anticipation that the film has actually taken a turn for the better. In real life ... more...

Many People Have Realized the Convenience and Benefits of Online Personal Loans
The Internet has provided a whole new dimension to obtaining a personal loan. Before lending companies were available on the World Wide Web, people were limited with their loan options and from where they could get a loan. Now there are endless financial resources available to people, no matter ... more...

Bad Credit Home Loan To Get You Out Of Debt
A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as ... more...

Selling Your Home Yourself Pricing It Appropriately
When youre selling your own property, whether its a house, townhouse, condo, apartment, a finished lot, raw land, a farm, a ranch, or whatever, the first thing to get right is the price you ask for it. If you work with a broker, the legwork is done for you. When you work as a FSBO (for sale by ... more...

Does It Matter Whether You Have Good or Bad Credit?
This is a very hot topic of discussion in the world of credit cards. It starts with what leads to a good or a bad credit and goes on to talk about the importance of good/bad credit.Have you been defaulting on your credit card payments thinking that it doesn't matter much? Well you haven't been ... more...

Can Self-Coaching Really Help Your Bottom Line?
The other day I found myself watching one of those ubiquitous makeover programmes.The presenters brief was to transform an entire street. In her pitch to the residents, she evangelised about the effect the conversion would have: not only would it make the environment look better, it would be less ... more...

Tips On How To Arrange Cheaper Home Contents And Buildings Insurance
If you are looking for tips on how to reduce the yearly premiums you pay on your home contents and/or home buildings insurance policies, the following are some sure-fire ways to do it:Increase the insurance excess amountWhile still maintaining a sensible threshold, why not increase the excess ... more...

Grants, Loans, "Free" Credit Cards And Credit Repair: The Whole Truth And Nothing But The Truth
You got creditors calling you everyday. You could lose the car or house. Your teetering on the edge financial ruin - then you see an ad that may safe your butt! Typical headlines say something like "Millionaire reveals Hidden Cash Sources, or help for people in debt up to their eyeballs!"HOW ... more...

San Diego Real Estate, Million Dollar Homes
San Diego county has always been known for its Luxury Homes, yet in 2004 San Diego County luxury home sales (homes over $1,000,000) hit an incredible 2774 total units, an increase of almost 170% over total sales in 2003!In the entire State of California, A total of 33,107 homes sold for a million ... more...


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