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...

Check Your Credit Before Shopping For That Home Loan
Review Your Credit Score.Nearly every bank, credit union, and mortgage lender relies on a three digit score provided by one of the three major credit bureaus to help them make lending decisions. A credit score can range from the perfect 850 all the way down to the abysmal 300. Scores under 720 may ... more...

Debt Elimination & Debt Consolidation Can Work Together
Debt elimination has always been my goal. But on this day, when I received the bill for the sudden replacement of the clutch in my car, the VISA bill and word that my daughter needed orthodontics for her teeth, how was I ever going to realize my debt elimination goals?Does that sound familiar? Its ... 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...

Buying Spanish Property What Happens Once You've Agreed Your Price? Some Very Important Points
When you have located your property, agreed a price and satisfied yourself (or your solicitor) that the property is free from all encumbrances and debts and or planning problems, it is structurally sound, bank guarantees are issued if it is a new build and that you are getting a good deal, then it ... more...

How to Evaluate and Raise Your Credit Score
Why do some people get offers for pre-approved credit cards and others dont? What do car dealers know about your financial health that you dont know? The answer is your credit score.Your credit score is a number generated by a mathematical formula to estimate how likely you are to pay your bills. ... more...

Negotiating the Sale of Your Home
Negotiating a successful sale of your home requires an environment that sustains the buyer's interest and trust during the process. Many of our clients have been very experienced negotiators, and from them we have learned that the goal is to reach a "good agreement" - one in which the underlying ... more...

Real Estate Business
Starting real estate business is not that simple. Multiple aspects of stable business should be considered before you invest even 1$ in real estate. Owning real estate is no guarantee of wealth. There are a lot of things you have to do right to receive your reward. One of the most important points ... more...

Consolidating Debt - How to Get The Lowest Interest Rate on a Debt Reduction or Consolidation Loan
To get the lowest interest rate on a debt consolidation loan, you need to research terms and rates. Lenders realize to remain competitive, they must offer low rates. A difference as little as a quarter percent can save you hundreds a year. The type of loan you choose can also have significant ... more...

Praying To Overcome Invisible Entry Barriers
Recently, I received a frantic midnight call from one of my readers in Atlanta.A member of his was facing a foreclosure on their home in just a matter of days. He needed my advice... desperately.I sat down and wrote 14 prayer pointsand emailed that to him, along with specific instructions on ... more...

Real Estate Investing: How to Choose a Lender
To become a successful real estate investor its vital to have a long-term relationship with a good lender. Having a flexible lender who knows your needs and objectives can be the difference between success and failure in your investment career.Choose several lenders to begin with, and then ... more...

Credit Help For Renters And Others On The Horizon
Sue is a homeowner and pays her mortgage and other bills on time like a good credit consumer. Sues on-time mortgage payments are reflected in her credit score profiled by the three major credit bureaus; Equifax, Experian and Trans Union.Joe on the other hand is a renter, who wants to buy his first ... more...

Cheapest Loans: When Cheap Loans are Not Good Enough
It will be a worthwhile quest, the quest to search for cheapest loans. If you think cheapest loans are out of your reach and constantly evading you then perhaps you are looking at the wrong places. The cost of borrowing, over the last few years, is getting cheaper and cheaper by every day making ... more...