Cash Out Refinance Mortgage Loans Home Equity, 2nd Mortgage or Cash Out Refinance Loan
There are some definite benefits to doing a cash out refinance. Just make sure that overall you are not going to be spending more money in fees and interest doing a cash out refinance as opposed to a home equity loan. When you do a cash out refinance, you are refinancing your entire loan. Let's ... more...

Boost Your Confidence, Credibility, and Career
There's one skill you can develop that will boost your confidence, credibility and career. It's public speaking. If the very thought makes you queasy, you're not alone. For some people, only death is more frightening. For others, death is preferable. Are you the latter? Avoiding the spotlight? ... more...

Home Mortgages: How About Those 1.75% Loans?
Youve undoubtedly heard or seen ads for mortgages with very low interest rates such as 1.75%. For example, one mortgage company in the city where I live is advertising a 40-year mortgage with a 1.75% interest rate. That sounds like a pretty good deal, doesnt it? After all, if you were to buy a ... more...

Using Your Banks Money To Grow Your Own
Youve just bought your house in Spain and because you got such a good deal you now find you have money in the bank. It isnt a huge amount but with your pension taking care of daily business you decide you want to invest the money. Lets say you have $20,000 to invest.How do you get the best returns ... more...

What is the 1% or 1250% Mortgage Interest Rate All About?
Is this real, are you kidding? Yes and No. There really are programs such as this available but a report issued by a Wall street firm suggests that some low-payment loans in todays hot market could cause problems for borrowers who dont really understand the risks they are going into. This low start ... more...

A Mortgage and Bank Trick You Should Avoid at All Costs
Once youve purchased your home, you will begin to get correspondence from your lender about a Mortgage Reduction Program, in which you can cut years off your mortgage, without adding money to your payment. This is another trick bankers have to get you to give them your payment sooner, so they can ... more...

DESIGNING YOUR LOG HOME: The Question of Dead Space
There's something about huge log homes that makes the rest of us jealous: the owners don't have to worry about wasted space. But for smaller floor plans, we need to stir up our creative juices and make every inch count. And that means getting rid of dead space.Hallways are a big culprit. I think ... more...

How to Sell Your Home Without a Real Estate Agent
Considering the rapid rise in home prices over the past several years, home sellers are taking a hard look at the commission they have to pay to a real estate brokerage to market and sell their home. Real estate commissions vary across the country; they average in the four to seven percent range ... more...

Negotiating the Real Estate Contract
Negotiation is the process of communication back and forth in order to reach a joint agreement. There is no "one size fits all" strategy of negotiating a real estate contract. Many of our clients have been very experienced negotiators, and we have learned a great deal from them, as well as from ... more...