http://www.articles-live.com en-us http://www.articles-live.com N/A mail@articles-live.com Sat, 11 Oct 2008 21:20:11 -0500 20 http://www.articles-live.com/articles/2085/1/Getting-Started-on-a-Home-Loan Some of the best advice I can give for getting a home loan is to start early. Ive included some information in this article to help you get started. lee_keadle@yahoo.com (Lee Keadle) Wed, 01 Oct 2008 00:00:00 -0500 http://www.articles-live.com/articles/2083/1/How-to-Build-Credit-for-the-House-You-Want As real estate agents, we get a lot of questions about financing a home. With the credit crunch that weve seeing right now with home loans, I wanted to write just briefly about how buyers can build credit before they buy. lee_keadle@yahoo.com (Lee Keadle) Wed, 01 Oct 2008 00:00:00 -0500 http://www.articles-live.com/articles/1967/1/Mortgages-for-the-Self-Employed With everything that has transpired with the sub-prime mortgage crisis, lenders are not so swift to hand out loans to just anybody any longer. This means that if you're self employed it has become much more difficult to secure a mortgage than in the recent past. This being said, it is not impossible. You'll need to work hard to obtain a solid articles@tedsoldit.com (Ted Guarnero) Fri, 22 Aug 2008 00:00:00 -0500 http://www.articles-live.com/articles/1948/1/Meandering-Thru-The-Mortgage-Maze---Part-2. This gives new home owners extra cash to repair and redecorate and sometimes an optimistic outlook can over-rule prudence. There are also genuine cases where a variable mortgage is advantageous; understanding mortgages can clarify these choices. articles@realestatewebmasters.com (RE Writer) Wed, 13 Aug 2008 00:00:00 -0500 http://www.articles-live.com/articles/1947/1/Meandering-Thru-The-Mortgage-Maze---Part-1 Not all mortgages are created equal; this seems to be one lesson that we have all learned in the last two years, even if only indirectly. For those who have suffered through an unpaid mortgage and lost a home, the importance of small print need not be further emphasized. articles@realestatewebmasters.com (RE Writer) Wed, 13 Aug 2008 00:00:00 -0500 http://www.articles-live.com/articles/1812/1/Home-Purchases-Via-P2P-Lending Connect people with the funds and the willingness to invest them with people who needed funds and were willing to pay interest on them. Add to that area for people to explain why they should be the person you invest in and you have a system that is, in ideal circumstances, both lucrative and strangely intimate. articles@minneapolisloftsandcondos.com (Andy Asbury) Wed, 18 Jun 2008 00:00:00 -0500 http://www.articles-live.com/articles/1759/1/Mortgage-Troubles%3F-Know-Your-Options The housing market has really been sinking, and although we've been lucky in the western U.S. real estate market with rising sales lately, overall, the market still stinks. If you are one of the unlucky people faced with a mortgage you can't afford, there are a couple of options out there. articles@sandiegorealestatebuzz.com (Josh Sloan) Mon, 26 May 2008 00:00:00 -0500 http://www.articles-live.com/articles/1748/1/Mortgage-Scams--If-It-Sounds-Too-Good-to-be-True---It-Probably-Is%21 By the end of last September, 2007, the U.S. Treasury Department stated there were 46,717 cases of mortgage fraud reported - an increase of 35,617 from the previous year. That translated into a dollar loss of more than 813 million. articles@realestatewebmasters.com (RE Writer) Thu, 15 May 2008 00:00:00 -0500 http://www.articles-live.com/articles/1738/1/How-a-Reverse-Mortgage-Can-Work-For-You You may have seen the recent television commercials with "The Golden Girls" star, Rue McClanahan, which advertises reverse mortgages. What are these loans? Who is eligible? And what are the risks involved? articles@realsourcebrokers.com (Joshua Keen) Thu, 08 May 2008 00:00:00 -0500 http://www.articles-live.com/articles/1563/1/Getting-Credit Every successful homeowner had to put some effort into getting and maintaining good credit before they were eligible for a mortgage. If you're having trouble getting qualified, here are some tips for successfully acquiring good credit. articles@sandiegorealestatebuzz.com (Josh Sloan) Thu, 21 Feb 2008 00:00:00 -0600 http://www.articles-live.com/articles/1489/1/What-the-Mortgage-Forgiveness-Debt-Relief-Act-Means-For-You On December 20, President Bush signed a law that is meant to help homeowners who are facing foreclosure or who sell their homes in a short sale. Before this law, the Mortgage Forgiveness Debt Relief Act of 2007, if your bank or lender forgave a portion of your mortgage debt because the value of your home had decreased, the IRS treated the forgiveness as taxable income. articles@tampahomes24-7.com (Calum MacKenzie) Fri, 08 Feb 2008 00:00:00 -0600 http://www.articles-live.com/articles/1440/1/The-Sub-Prime-Mortgage-Crisis%3A-What-You-Need-to-Know-About-Buying-Real-Estate The buzz word phrase that is causing so much sting these days is indeed, "the sub- prime mortgage crisis". With far too many people having made impulsive and unwise decisions over the past few years, the economy is being led toward an unprecedented economic crisis. articles@realestatewebmasters.com (RE Writer) Fri, 25 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1417/1/Getting-a-Mortgage%3A-Dos-and-Don%26%2339%3Bts So you've established a great credit rating and are ready to visit a lending institution to see about getting pre-qualified for a mortgage. Here's a few tips for what to do or not do. articles@realestatewebmasters.com (RE Writer) Tue, 22 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1416/1/Getting-a-Mortgage%3A-Establishing-Credit One of the keys to getting a mortgage is having good credit, and the easiest way to establish good credit is to acquire a credit card or small loan, and then pay it back on schedule. With a credit card, it isn't enough to simply have it. You must be using your credit card consistently in order to obtain good credit. articles@realestatewebmasters.com (RE Writer) Tue, 22 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1414/1/Mortgage-Rates---How-Low-Can-We-Go%3F Well, surely it can't drop much lower? If you haven't locked a mortgage rate in by now, or haven't got yourself pre-approved, you had better hurry up. All those people who can remember the 11% mortgage interest rate will be trampling over each other to try and re-new at these rates. articles@realestatewebmasters.com (RE Writer) Tue, 22 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1409/1/Austin-Real-Estate%3A--Strong-in-2007%2C-Holding-Steady-in-2008 2008 has begun with some decidedly lousy economic news, so at first glance it might be very tempting for those hoping to either buy or sell homes in Austin to stay on the sidelines and avoid the Austin real estate market completely. The truth is the Austin, Texas real estate market bucked national trends in 2007 and appears poised to remain solid this year. jameswriting@yahoo.com (Greg James) Mon, 21 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1386/1/Counseling-and-Hope-for-Sub-Prime-Mortgage-Holders You may think that holders of a sub prime mortgage need more than just counseling - true! But there is a new program out which includes counseling as part of its scheme to help distressed borrowers. articles@tampahomes24-7.com (Calum MacKenzie) Fri, 18 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1326/1/Time-to-Hunker-Down The credit situation appears to be tightening; many homes have lost equity that was built up in them and oil went up to 100.00 per barrel. Sounds grim, but as long as we feel that we can weather tough situations until they pass, we can remain cheerful. Time for us to start hunkering down and save a buck or two. articles@nationalrenatalproperties.com (Michael Peterson) Mon, 07 Jan 2008 00:00:00 -0600 http://www.articles-live.com/articles/1290/1/ARMs-versus-Fixed-Rate---a-No-Brainer%21 The mortgage rate right now is very enticing - being the lowest it has been for several years. At the moment, you can negotiate a fixed rate mortgage for around 6%. articles@affinityproperties.com (Joe Cline) Fri, 28 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1289/1/Reverse-Mortgages-Can-Reverse-Your-Luck%21 Looking after an aging parent in their own home often seems to be a good solution to an awkward problem. However, depending on the type of financing on the property in question, things could get difficult. articles@jakemarsh.com (Jake Marsh) Fri, 28 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1248/1/Foreclosure-%26%2339%3BHelp%26%2339%3B-From-The-IRS...%3F Yes, even the IRS appears to have a heart! Did you know that you can actually be taxed on the foreclosed sale of your house? Evading tax is another good reason to try and stave off the foreclosure of your home. articles@gregellingson.com (Greg Ellingson) Tue, 18 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1240/1/Easier-Solutions-For-Home-Owners%3F Imagine suing Wall Street because your mortgage company had financed you for a loan that you couldn't repay! It sounds unreal, but a new bill proposed would allow just that! The mere fact that there is even such a bill being thought of could serve as a warning to all of us that care must be taken, as not all financial institutions are not equal! articles@realestatewebmasters.com (RE Writer) Mon, 17 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1226/1/Fixed-Rate---or-Wait%3F Times they are a-changing and these days we all have to become our own mortgage experts. So, is this a good time for a fixed rate mortgage? Today's market seems to be crying out for would-be home owners to negotiate for only one type of mortgage, and the advice must be clear: finance with fixed-rate mortgages. articles@realestatewebmasters.com (RE Writer) Thu, 13 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1225/1/Shop-Around-For-Your-Mortgage When we visit our bank to ask about mortgages, we get advice based on our own particular financial case, and usually we are offered a number of mortgage suggestions. Many of us inevitably feel that the bank has taken a lot of trouble and that we have to pick one of these choices offered to us. articles@nutshellrealty.com (Lou Lynch) Thu, 13 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1222/1/Which-Mortgage%3F-Part-2 Almost self explanatory, the interest rate on your monthly repayment will adjust according to the bank rate. So your monthly repayment will go up and down as the bank or mortgage lender decides according to the fluctuations in the interest rate. Sometimes this can save you more money than if you were opting for a long term fixed rate. articles@realestatewebmasters.com (RE Writer) Wed, 12 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1221/1/Which-Mortgage%3F-Part-1 There has been a large amount of media coverage relating to mortgages and more specifically the recent increase in interest rates. There are so many different types of mortgages that it could get confusing, but several of the most popular ones can be de-mystified. articles@realestatewebmasters.com (RE Writer) Wed, 12 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1220/1/Paying-the-Penalty The interest rate has just dropped and you wonder if you should try and get a lower rate on your mortgage, but there are penalties involved in breaking your mortgage agreement. Hmmm...what to do? articles@realestatewebmasters.com (RE Writer) Wed, 12 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1216/1/The-Interest-in-Interest-Rates Lately we have all become more curious about interest rates and the effect they have on our lives. Our main interest, of course, is to get the most for our money, and as most of us borrow money for a house purchase, part of this involves finding a good interest rate for our mortgage loan. articles@leecameronrealtor.com (Lee Cameron) Wed, 12 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1199/1/Act-Now-to-Forgo-Foreclosure The subprime mortgage crisis has been on the tip of everyone's tongue lately, and the housing market has cooled. Rather than being discouraged by this, smart investors realize that this is the time for deals to be had. We're in a buyer's market, which is an enormous relief for buyers who have watched the market balloon over the last decade. articles@yourraleigh.com (Karen Hoeve) Fri, 07 Dec 2007 00:00:00 -0600 http://www.articles-live.com/articles/1157/1/Are-You-Credit-Worthy%3F Lenders take various criteria into account when determining whether an applicant is credit worthy, but it generally comes down to three important points: articles@gregellingson.com (Greg Ellingson) Thu, 29 Nov 2007 00:00:00 -0600 http://www.articles-live.com/articles/1153/1/Financing-your-dream-back-yard-pool You don't have to be rich to put a swimming pool in your back yard, but you do need good credit, in most most cases. With a solid financial history and a little planning, you can get a loan to build a custom pool, and realize the home of your dreams. articles@ehomelv.com (Melanie Speed) Thu, 29 Nov 2007 00:00:00 -0600 http://www.articles-live.com/articles/1111/1/Tips-for-Getting-a-Mortgage-When-You-Need-It. So you are ready to buy your dream home. If you're serious about buying in the near future, here are a few ways to make sure you'll get a mortgage when you need it. articles@realestatewebmasters.com (RE Writer) Thu, 22 Nov 2007 00:00:00 -0600 http://www.articles-live.com/articles/1077/1/Don%26%2339%3Bt-Worry-About-Your-Mortgage-Increases%21 Don't worry about the threat of increasing interest rates! Don't worry that you will not be able to afford to keep your house! There are several innovative ways to earn a little income from your property. articles@386realestate.com (Kevin Kling) Thu, 15 Nov 2007 00:00:00 -0600 http://www.articles-live.com/articles/1050/1/Big-Spending%3A-Decide-on-Priorities Many people are surprised to discover that they are unable to get a mortgage they feel they deserve. While a mortgage broker considers a variety of things when deciding how much mortgage a person is eligible for, one thing that people might not expect to influence their eligibility is their existing loans. articles@prescottscott.com (Scott Baxter) Tue, 06 Nov 2007 00:00:00 -0600 http://www.articles-live.com/articles/1021/1/Selling-Your-Home-in-a-Less-Than-Perfect-Market You've waited for the perfect moment, it's a seller's market, and very common to see multiple offers on one home; the market demand has caused real estate prices to soar... articles@386realestate.com (Kevin Kling) Wed, 31 Oct 2007 00:00:00 -0500 http://www.articles-live.com/articles/1004/1/Financing-That-New-Home There is no question that guidelines for credit approvals have tightened compared to this time last year. The same person, who applied for a mortgage one year ago, may not be approved today. articles@realestatewebmasters.com (RE Writer) Fri, 26 Oct 2007 00:00:00 -0500 http://www.articles-live.com/articles/980/1/To-Refinance-or-Not-to-Refinance%3F Refinancing a mortgage has become the financial flavor of the month; it seems that everyone is doing it. Here are some of the common reasons why homeowners renew their mortgage: articles@sarasotalandandhomes.com (Jim Hirschman) Fri, 19 Oct 2007 00:00:00 -0500 http://www.articles-live.com/articles/910/1/Getting-a-Mortgage-Loan A mortgage loan: it's the first step to buying real estate, and considering that it is a special few that have enough money to pay for a piece of property without a loan, so there is no need for you to feel alone in this process. articles@themejiagroup.com (John Mejia) Wed, 03 Oct 2007 00:00:00 -0500 http://www.articles-live.com/articles/901/1/Ya-know-a-Good-Mortgage-Broker%3F It's a fact that all mortgages do not suit all people. It's also a fact that all mortgage brokers are not the same. As the recent spike in foreclosures and crushing no doc loans have shown us, some brokers are clearly more interested in personal gain than in meeting borrowers' needs. articles@coloradoshomes.com (Lane Hornung) Tue, 02 Oct 2007 00:00:00 -0500 http://www.articles-live.com/articles/784/1/Getting-a-Mortgage-for-a-High-Rise In the current mortgage crisis, over 105 mortgage companies in the United States have closed. As a result, it is more and more challenging to get a mortgage on a high rise. Many lenders don't want to risk a high-rise, especially those made of cement, apparently. In order to eliminate any unnecessary delays, there's a couple of things you can do to make the mortgage process easier. articles@highrises.com (Brian Enright) Wed, 29 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/739/1/Real-Estate-Purchase-101%3A-Improving-Credit If you have credited thats a little on the low end, you might have started looking at bad credit home loans. While thats certainly one way to go, it might not be your best option. If you can improve your credit before buying a home so that you can qualify for a better loan, you should definitely consider doing so. kinanb@onesourceaustin.com (Kinan Beck) Mon, 20 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/694/1/Advantages-of-Home-Ownership Owning a home was once the greatest symbol of the American Dream. And although the American Dream has changed a bit over time, home ownership remains an important part of what it means to be a successful American. But more than just the pride that you can take in having achieved this dream, home ownership gives you a number of other benefits that can ease your daily life and help you prepare for your future. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/693/1/Should-I-Use-A-Realtor-To-Find-My-Rental-Home%3F Making a move to a rental home generally suggests that youre looking for a home that youre going to be in for at least a short period of time and so you want to find a home that meets all of your needs. You can probably do this on your own, but would it be better to get the help of a realtor? Possibly. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/692/1/Energy-Efficiency-Tips-for-Condos-%26amp%3B-Apartments It happened again. I got my combined gas-and-electric bill and had absolutely no idea how it could possibly cost so much. Ive been doing some research on how to make our apartment more energy efficient. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/691/1/Apartment-Shopping%3A-What-To-Look-For Moving into a new apartment can be thrilling. It can also be overwhelming, frustrating and confusing. Thats because there are so many choices to make when it comes to looking for a new apartment and you know that you want to make the right choices because youre probably going to be living there for at least a year. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/690/1/Austin%2C-Texas%3A-A-Great-Place-To-Live Are you ready to drop everything and relocate? Simply need a change and want to find the best place to move to at a good price? Or perhaps youre looking to settle down into a professional life in an area where you can raise a family and lay down some roots? Whether youre young or old, drifting or settling in, Austin, Texas could be a great place for you to live. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/689/1/Real-Estate-Purchase-101%3A-Tax-Benefits Almost everyone knows that its better to own your house than to rent it. After all, when you pay rent, it goes to a landlord and when you pay down on a home, it goes to a future investment in a valuable item. But did you know that owning real estate can have other advantages, too? kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/688/1/Condominium-or-House%3A-Which-is-Right-For-Me%3F Most people get to a point when they want to buy a home. In fact, many people are reaching this point sooner rather than later because of all of the advantages of home ownership in comparison to renting. But often, people arent sure whether they should actually buy a house or if they should look in to buying a condo instead. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/687/1/Should-I-Get-A-Fixed-Rate-Home-Loan%3F If youve started looking into getting a home loan, youve probably already discovered that there are a number of decisions to be made. One of the biggest ones is whether to get a fixed rate home loan or to go with a variable rate home loan. Here are some of the questions that you might have about a fixed rate home loan: kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/686/1/Beginners-Guide-to-Buying-Income-Producing-Real-Estate Real estate is one of the best investments that you can make. Its a more stable and sound investment than many of the other financial investments that you can drop your money into. But how do you go about buying real estate that will actually make you money? kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/685/1/Real-Estate-%26amp%3B-the-Sub-Prime-Mortgage-Bust If youve been paying attention to the real estate market over the last couple of years, youve probably heard the term sub-prime mortgage bust. And if youre just the average person out there in the world, you might not need to know any more about the sub-prime mortgage bust. kinanb@onesourceaustin.com (Kinan Beck) Mon, 06 Aug 2007 00:00:00 -0500 http://www.articles-live.com/articles/514/1/Understanding-Mortgage-Fraud Mortgage fraud is quickly becoming one of the most notorious kinds of crime perpetrated in this country. In fact, recent years have seen a marked increase in the number of mortgage frauds and in the amount of money and property concerned. articles@searchforcharlestonrealestate.com (Lee Keadle) Fri, 29 Jun 2007 00:00:00 -0500 http://www.articles-live.com/articles/478/1/Securing-A-Mortgage-Pre-Purchase The process of buying a home is one that can be highly stressful and time consuming. It is a time of high emotion as you are hoping to find the home of your dreams at a price that you can afford. A good question to ask yourself is "How can I make this process simpler?" Well, there are a few things that you can do to help streamline the process and ease the stress out of the purchase. articles@charliepigeon.com (Charlie Pigeon) Thu, 21 Jun 2007 00:00:00 -0500 http://www.articles-live.com/articles/471/1/Getting-Educated-On-Mortgage-Fraud The crime of mortgage fraud has developed quite a bit in this country over the past few years. Sometimes called real estate fraud, this type of crime is wreaking havoc across the country as perpetrators get better and better at it and their methods develop and have become quite complex. Two distinct types of mortgage fraud have arisen to take the forefront of this disgusting practice. articles@realestatewebmasters.com (RE Writer) Wed, 20 Jun 2007 00:00:00 -0500 http://www.articles-live.com/articles/443/1/A-Bit-About-Mortgages The reality of buying a home is this: you will likely need a mortgage. There are those people out there who have the ability to pay cash for a home but that is by far, the minority. Homes are more expensive now than ever before, partly due to the rise in building costs and the increased demand for homes in this country. articles@edkirkland.com (Karrie Rose) Wed, 13 Jun 2007 00:00:00 -0500 http://www.articles-live.com/articles/296/1/Broker-vs-Banker In past years in the U.S. there has been a real boom in the mortgage industry. There are now more lenders than ever before and more mortgage options than you can shake a stick at. One thing that people should know before applying for a mortgage is what kind of lender they are dealing with. In the mainstream market there are usually 2 different kinds of mortgage professionals that an individual will come across, the broker and the banker. articles@lancelotscastles.com (Katie Lancelot) Thu, 03 May 2007 00:00:00 -0500 http://www.articles-live.com/articles/290/1/Four-Basic-Mortgage-Types When it comes to financing a home, buyers have plenty of choices. Having lots of options means that buyers can find a mortgage that suits their needs. However, these options can also make financing a home overwhelming. So, we are going to explain the four most popular types of home mortgages, tell about the benefits and disadvantages of each, and explain when it is a god idea to use each type. articles@searchforcharlestonrealestate.com (Lee Keadle) Thu, 03 May 2007 00:00:00 -0500 http://www.articles-live.com/articles/14/1/Mortgage-Pre-Approval So, you have decided to purchase a home and you are looking to ease the process as much as possible. This is a natural desire as the process of purchasing a home can be quite complicated and time consuming. tyler@realestatewebmasters.com (Tyler Fawcett) Fri, 02 Feb 2007 00:00:00 -0600