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58Home Buyer's Recession Survival Guide - The FHA's Credit Requirements Vs. The Bank's
The FHA operates in its own dimension and has very little in common with the approval process that the conventional banks or other lending institutions implement. There are many factors from which the banks...
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55Home Buyer's Recession Survival Guide - Keeping That Credit Score Nice & High
Each conventional lender has their own standards as to what constitutes an acceptable FICO credit score. Some will happily finance a 600. Others won't touch anything south of 650. It is well worth your while...
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58Home Buyer's Recession Survival Guide - How To Pay Less Than $500 A Month
A mortgage is usually the single greatest monthly expense any family will ever face. At a time when a 7% mortgage on an "average" $290,000 hypothetical Chicagoland house with 20% down costs $1,544, the...
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55Home Buyer's Recession Survival Guide - Offset & Reverse Mortgages
An offset mortgage is one where you can use your savings to "offset" the interest on the mortgage. It's a little bit of leger de main where you're shifting this money over here so that money can be shifted...
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56Home Buyer's Recession Survival Guide - Five Easy And Cheap Tips To Save Big $ On Energy.
It would be nice to be able to cut those huge energy bills, but most considerable improvements cost considerable amounts of cash and it might take years to break even. Here are five quick and easy tips on...
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56Home Buyer's Recession Survival Guide - Refinancing With Bad Credit
Your entire credit file boils down to the three Cs and each and every one of them is important to the lender and will directly determine if you get the Mortgage, and how much it is going to cost you. ...
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58Home Buyer's Recession Survival Guide - How To Ride The Interest Rate Spikes
No one has a crystal ball which can predict what the Fed is going to do next, but it is generally agreed that the roller coaster is on its way up for a while. If you're waiting for the return of the 3.5%...
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58Home Buyer's Recession Survival Guide - What Is PMI & Why Do I Care?
PMI is the acronym for Private Mortgage Insurance, a feature of many sales contracts but surprisingly one that most buyers don't need and shouldn't obtain! A 20% down payment is the magic number in...
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56Home Buyer's Recession Survival Guide - Get Your Home Sold Quickly & At Your Asking Price
In the good old days of only a year or two ago, it was easy to get your asking price. The hard part was determining who of the many bidders you felt like awarding the property to. That situation is now long...
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56Home Buyer's Recession Survival Guide - Consider The Additional Costs
There is much more to the cost of a house than the monthly payment. There are a significant number of additional expenditures that have to be considered. Property taxes vary wildly from state to state, and...
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