Getting a Mortgage in 2011 – What Documents Do I Need?

You may think that a lot has changed in the past few years from what it used to be with getting a mortgage when it comes to documentation. Well, the truth is, not much has changed – what has changed is the amount of proof you need to show and how hard mortgage approval underwriters [...]

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Home Buying Steps To Help Your Qualify

Learn the first steps you should take to start the home buying process. Get approved, Get your Credit, Talk to a Lender – notice is says nothing about talking to a real estate agent?

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Ways To Mess Up A Refinance

Refinancing a mortgage isn’t like it used to be. Learn a few ways to not screw up your refinance ahead of time.

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Getting Homeowners Insurance – Reducing Your Fees

Tips to buying homeowners insurance. How to reduce your premium amount. Deductible, Multiple policy discounts, extended coverage are all ways to get a discount.

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The Best of the Best – The VA Refinance Streamline

If you can qualify and are eligible for a VA streamline refinance you should consider this loan program. Review the many benefits and some of the caveats to getting this mortgage in light of the current US economic recession.

June 10, 2011 Read the full article →

Get Pre-Approved With A Lender Before You Shop

The best advice anyone can give you when starting to buy a house is to speak with a loan officer first to get preapproved. Get Preapproved and be a “cash buyer” when you shop for homes.

May 13, 2011 Read the full article →

4 Ways to Lower Your Mortgage Payment

No matter whether you already own a home and are considering a refinance or are a home buyer looking for the lowest payment possible below you’ll find a list of things to consider as you go through the mortgage process. 1. Look at different specialty loan programs – you can get a mortgage with a [...]

April 12, 2011 Read the full article →

Pick Your Loan Officer By Finding A Lender You Can Trust?

I just love it, I just read some advice on a mortgage competitor website that mentioned the word “bait rate” and their advice for avoiding “bait rate.” I have never heard that term before, but what they called “bait rate” is perfect – it is an advertised rate that you see on an advertisement. And [...]

March 18, 2011 Read the full article →

Refinancing Your VA Loan – Speak To A VA Loan Officer To Get Started

Get a VA loan from a VA approved lender. Refinance your VA loan using a VA Streamline Refinancing Program. VA Streamline refinance programs have very few requirements to qualify for the program.

November 2, 2010 Read the full article →

Keep Making Your Rent Payment Even If Your Landlord Is In Default On Their Mortgage

Trying to qualify to buy a home? If so, and your landlord is in default on their mortgage you should continue to make your rent payments for two reasons. Learn why you should keep making your rent payments even if you landlord is in foreclosure proceedings.

July 19, 2010 Read the full article →

Use Your IRA to Buy Your First Home

According to Roth IRA rules you can use money from your Roth IRA to purchase a home if you are a first time home buyer. But don’t let the Roth IRA rules definition of first time home buyer confuse you if you are trying to qualify for a federal, state, or local first time home [...]

July 15, 2010 Read the full article →

Pennsylvania Tax Credit Advance Loan Program For First Time Buyers

First Time Home buyers in Pennsylvania who plan to use the Keystone Home Loan and the Keystone Home Loan Plus Programs for a home purchase may now qualify for the PHFA Tax Credit Advance Loan Program. The PA Tax Credit Loan Program is designed to let PA First Time Buyers to take advantage of the [...]

July 21, 2009 Read the full article →

Virginia Home Buyer Tax Credit Plus Program For First Time Buyers

First time home buyers in Virgina can use the Home Buyer Tax Credit Plus Program to buy their first home and get advance money for $8000 tax credit from IRS

July 5, 2009 Read the full article →

Use A FHA Home Mortgage To Purchase A House

Since the late 1990′s to prior to the current credit crisis, the demand for FHA home mortgage loans was limited to first time home buyers and those home buyers who less than perfect credit. Since the mortgage and real estate crash of 2007-2008, many lenders have gotten rid of other loan programs. As a result, [...]

June 26, 2009 Read the full article →

Scale: Credit Score Highest To Lowest

The scale for credit scores ranges from 850 to 350 depending on who you talk to. An excellent credit score is a middle score greater than 740.

June 23, 2009 Read the full article →

Home Buyers Tax Credit – Is $15000 A Reality?

$15000 Home Buyers Tax Credit bill introduced by Senator John Isakson calls for more home buyers to stimulate the housing market. Homebuyer Tax Credit Act of 2009 summarized.

June 16, 2009 Read the full article →

Is Now The Right Time To Buy A Home?

Chandler, AZ – There is a lot of news coverage about home buying in 2009, especially in Arizona where home prices are way down due to the oversupply of vacant properties up for sale from foreclosures. Just about everyday when watching the news or reading news posts on the Internet there is some story about [...]

June 14, 2009 Read the full article →

Dispute Errors On My Credit Report – How To Do It

Where to dispute credit report errors. What to include in a credit report dispute letter. Learn about how to dispute credit report errors and more.

June 11, 2009 Read the full article →

Dispute Letter Credit Report – Sample Credit Report Dispute Letter

Filing a credit report dispute letter is an important part of the process to improve your credit scores and credit report. You will want to ensure that you include the following items as a minimum in your dispute letter for every credit account you dispute: What To Include In Credit Report Dispute Letter Full name, [...]

June 11, 2009 Read the full article →

Can I Fix My Credit? Steps To Fixing Your Bad Credit

Can I fix my credit and improve my credit scores to get approved for better mortgage interest rates and loan programs? The answer is yes, and you can do it several ways. You can hire a credit repair company or you can do some things yourself to fix your credit. What does Fix My Credit [...]

June 10, 2009 Read the full article →

Lease To Buy Contract – Items to Protect Your Time and Money Investment

Protect yourself with your lease to buy contract with including these items. Underwriting guidelines for mortgages have certain requirements that the lease purchase contract must meet to be valid for buying a home.

June 3, 2009 Read the full article →

Lease Rent to Own – How To Buy A Home With Bad Credit

How about a lease rent to own agreement as a way to buy a home with bad credit? Ever heard of it before? The lease to own option is a great way to buy a home if you have had recent credit problems and cannot currently qualify for a mortgage. Perhaps you have just gone [...]

June 3, 2009 Read the full article →

FHA Tax Credit Bridge Loan Or Tax Credit Purchase – HUD Policy Announcement

HUD and FHA have posted new guidelines to the much anticipated policy regarding how approved lenders and approved non-profit entities can give home purchase tax credit short term bridge loans to allow first time home buyers to take advantage of their home purchase tax credit authorized by the Obama Stimulus Plan. More importantly, FHA has [...]

May 29, 2009 Read the full article →

Home Buyer Tax Credit Filing Options To Get $8000 For Down Payment

IRS Tax Credit Filing Options For First Time Home Buyers To Claim $8000 Home Purchase Tax Credit explained.

May 25, 2009 Read the full article →

Credit Card Reform Approved By Congress – Good News For All Credit Card Holders

The Senate had already passed the sweeping credit card reform bill and now the House of Representatives has passed it too. Now the bill goes to President Obama for his signature, which news sources are suggesting he’ll sign into law on Friday, May 22, 2009 just before the Memorial Day Holiday. This is certainly good [...]

May 21, 2009 Read the full article →

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