Home Design Idea from WorldLand
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The Basics of Homeowners Insurance Part (2)
As an example of the necessity of having homeowners insurance, Dale and Janelle found a renovated bungalow in an upscale but older area. They hired a professional inspector who gave the property a good report and their FHA loan closing went smoothly. However, during the move-in, Janelle turned on the tub and another faucet to [...]
Continue reading...Tips on Avoiding Bad or Predatory Lenders (3)
29 November 2011
The lessons Manual and Geri learned from this: Never pay more than the credit report fee, normally $40 to $75, upfront. And only after credit and income ratios look good should you pay for the appraisal costs and small inspections that may be required in your area. Be wary of application fees. Good lenders won’t [...]
Continue reading...Tips on Avoiding Bad or Predatory Lenders (2)
25 November 2011
Manuel and Geri found out the hard way about bad lenders when a relative pressured them to use a friend in the mortgage business. They had found a cute bungalow close to their children’s school and made an FHA offer with a four-week closing date. The loan officer took their application and explained that he [...]
Continue reading...Tips on Avoiding Bad or Predatory Lenders
21 November 2011
The mortgage industry shelters good, bad, and downright scary loan officers and companies, so you need to exercise vigilance and use the tools offered in this chapter to avoid pitfalls. Although there are plenty of good, honest, hard-working lenders in the business, too many buyers fall prey to slick advertising, unrealistic rate quotes, or going [...]
Continue reading...Do Loans with Balloon Payments Work for You?
17 November 2011
In mortgage-speak, a balloon payment is a payment that reduces the loan by other than the monthly payment. For example, say you structure a loan payment schedule of $1,400 a month, with a $5,000 additional payment due on March 15 of each year when you get your federal income tax refund.
Continue reading...Does Adjustable Rate Mortgages Work for You?
13 November 2011
Adjustible rate mortgages (ARMs) are loans that start out with a low interest rate and then the payment goes up (or down) with fluctuations in the financial index to which the interest rate is linked. These interest rates are usually tied to regional cost-of-funds or Treasury bill rate indexes. As these indexes move up or [...]
Continue reading...Does Fixed Rate Mortgages Work for You?
9 November 2011
Mortgage loans come with a menu of payment options, with the most popular being fixed and adjustable rate programs. Each option has its advantages and disadvantages, and the one that works best for you depends upon your financial situation. A fixed rate mortgage is one in which the loan is repaid in equal payments within [...]
Continue reading...Landscaping in An Inexpensive Way (5)
5 November 2011
One of those is introducing plants from other regions into our landscape. For example, if you import a plant from the tropics to the desert Southwest, that plant will likely require much more water than the plants native to the region. Because water is so precious, there is no return on your investment in the [...]
Continue reading...Decorating Your House For The Party Season
3 November 2011
Holding a party is really enjoyable and fun because you can meet and greet with your families, your friends, colleagues, etc. Before holding this special event, of course you have to make good preparation, starting from the party theme, decoration, foods and beverages, invitations, etc. Don’t forget to choose the party date from now on.
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30 November 2011
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