Creating A Household Budget
Creating a budget can be a very difficult task. Although we as consumers know that we need to pay our bills, buy our necessities, and put money away for savings, we dont really know how to start.I know from personal experience how hard creating a budget can be. In the beginning stages of my road ... more...

Arizona Homes A Community for Dreamers
Finding a home that meets all of your criteria of a dream home can sometimes be challenging. In many areas of the country, a new home is often a starter home merely the best you can afford at the time. You may not like the home, the neighborhood, your commute, the neighborhood schools, etc.The ... more...

Criminal Identity Theft - A Step Beyond
Ask anyone whos ever been robbed of their identity, and theyll tell you that it typically takes years to recover from such a violation. This extremely personal crime goes far beyond using someone elses name to make a hefty purchase at a department store. In addition to credit card charges, bank ... more...

Real Estate Investors Kick Away $1,000
Those new to real estate investing often fail to take action because they don't have much cash. The truth is that the very best investors got their start when they had little or no money.When you start at the bottom you have to work harder and smarter. You have to make every penny count... and ... more...

Things that You Need to Know before Financing Your Home
Frequent Asking Questions:What are Points? A. There are several types of mortgage related costs called "points" and their definitions and purposes vary. Generally, points are costs that must be paid to a lender in order to receive mortgage financing under specified terms. One point means 1% of ... more...

Asset Searching for Recovery Actions - The Decision Maker's Tool Part 2
In Part One of this article we took a look at some minimum recommendations for asset searches as a recovery medium. This discussion is based on the assumption that an asset search has already been determined to be sanctionable by, for example, a loan in default, a judgment that has been rendered, a ... more...

Second Home Loan: Headache or Helpful?
We all know that we can take a second mortgage for up to the amount of equity weve built in our home loan with our payments, but when is it a good idea to do that? Is it a good thing or a bad thing? Should we use that money or leave it alone? The answer is the same as the answer to most complicated ... more...

Debt Relief -- Why Most Programs Have A 75% Failure Rate
Debt consolidation, equity loans, credit counseling, debt management plans, even Chapter 13 bankruptcy it doesn't matter which of these debt programs you're talking about. They all suffer from one fatal flaw, the number one problem that causes most people to fail at eliminating their debts through ... more...

Top Tips for First Time Home Buyers
Advice to Help When You're Buying a HomeFirst time home buyers might feel better to know that they're not the only ones who feel confused about the process of buying a home. Nearly all home buyers feel the same way, even if they've bought a house in the past, because it's easy to forget the home ... more...

Get a Loan With a Poor Credit Rating
How do you go about obtaining a loan if you have a poor credit score? Is it even possible if you have declared bankruptcy? Well, the short answer is yes. It may be difficult however, so you should be ready to put up with a few rejections. You should also be ready to accept higher interest rates and ... more...

Three Questions You Must Ask Your Loan Officer
It's pretty easy to isolate the good from the bad in a lot of professions: a dentist laughing gleefully every time you flinch, a plumber demanding payment up front while your knees disappear underwater, a real estate agent who never returns your call or is constantly dragging you to inappropriate ... more...

What's Missing on Most Home Buyer's Checklists?
In a search for "Home Buyer's Checklist," I found articles, spread sheets, and tips with differing advice. Some of this advice includes:1. Know your location2. Negotiate price3. Check for amenities and compare to other homes4. Inspect the house for defectsIt seems that the real estate websites want ... more...

Your House Is Your Biggest Investment Do You Really Just Want a Loan Advisor?
A Loan Officer may be able to help you qualify for a loan. Is that really what you want? When you consider that your home is your biggest investment shouldn't it be part of an Entire Investment Plan?Most people don't look at their house as part of their overall financial plan. That is a huge ... more...

Real Estate Investment Requires A Team
I had a hard time at first with real estate investment. One of the reasons was that I tended to be a "lone wolf," trying to do too much myself. I've since learned that to really do well investing in real estate, you need to have a team of people you can trust and rely on. Here are some possible ... more...

How to Buy Fixers for Profit
Do you dream of becoming a multi-millionaire real estate investor? Here's how to get started: find a bargain "fixer-upper" owned by a worried seller. The hardest house for a homeowner to sell is a "doghouse," "dump," or "fixer-upper." These run-down houses turn off most home buyers, who don't have ... more...