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6 Helpful Mortgage Tips
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Here are some mortgage tips that can help you obtain a mortgage with less hassle,, and at a lower overall cost:
Determine how much home you can afford. Based on your income and any long term debt,, know the maximum payments you can be certain of making comfortably. Home loans are serious business, and buying too much home can build a mountain of debt. Make sure you can make your payments comfortably; it shouldn? be a burden. Locate a mortgage calculator online that allows you to enter your income and it will tell you how much mortgage you can afford.
Make a budget. Do you know where your money goes? How much is spent on unnecessary things? How much are your utility bills? If you are buying a larger home,, the utilities will most likely go up. Will you be able to make payments on time and pay the larger bills? Does the home you are considering require repairs or upgrades? This tip recommends you figure these things into a budget to avoid overspending.
Gather documentation. You will be required to show quite a bit of documentation before you mortgage is approved such as IRS returns for past years,, W-2?, proof of current salary,, assets,, debts, records regarding child support or alimony and the like.
Become educated about mortgage types and rates. The tip is very important. If you know the meaning of the mortgage ?ingo? the types of loans available and what the current rates are, you will be in a much better position to negotiate your home loan. Start studying your options well before you plan to buy,!
Consider a shorter loan term. The goal is to pay off the home mortgage in the least time possible while allowing enough money to live comfortably. You can save tens of thousands of dollars in interest payments,!
Don? forget you will have to pay closing costs. Many people forget to include these costs into their plans and end up coming up short. Find how much to expect from your broker or real estate agent.
We hope these tips have helped you on the road to making your mortgage experience easier and less costly. Learn all you can before applying for a loan.
The Mortgage Resource Center is a free online resource. We offer unbiased mortgage information. You may use and/or change this article as you see fit in any way that suits your needs for use on your website,, as long as both and this ezine are given credit. There are also other articles we may be willing to allow you to use from our site in exchange for a link to both ourselves and the ezine. Please contact us for prior approval and details at info@mortgage-resource-center
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Home Buying What Can You Afford
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Okay,, you?e decided to buy a home and are trying to figure out what you can afford. Before you go home buying,, you need to carefully consider what you can afford as far as a mortgage payment.
Mortgage Payments
The first step you should take in determining what you can afford is to talk to a mortgage lender. In fact, the best step you can take is to go through the loan process to the extent required to get a pre-qualification letter. A pre-qualification letter tells you and a seller how big of a home loan the lender will give you.
So,, once you have the loan in hand,, that must be the amount you can afford? The answer is maybe or maybe not. The prequalification letter is based on a number of factors such as your earnings and credit. It is not based on a picture of your life, which can lead to problems.
Other Expenses
There is nothing worse than buying a home and straining to make the monthly mortgage payments. This situation occurs when a homebuyer relies solely on the pre-qualification letter or their own wishful thinking. You may have purchased your dream home, but don? let the payments be a nightmare.
In determining how much you can afford to expend on a home purchase,, you must consider your overall financial situation. Although you may be in a decent financial situation at the moment, do you have future expenses that will put pressure on your finances? Such situations might include:
1. Planning to have kids in the next year or so?
2. Are your current children going to college soon?
3. If you own a business,, is the financial outlook stable?
4. If you work for a company, are you reasonably sure the company is headed in the right direction?
5. Do you have any concerns regarding the dreaded downsizing?
6. If you are the sole bread winner,, what would happen if you were unable to work for a few months because of health issues?
These general questions are intended to wake you up to the possibility of over extending yourself on a mortgage. Every situation is different,, so make sure you take a careful look at your life to make sure you are committing to a loan you can afford now and in the future.
Raynor James is with - providing homes for sale by owner,, "FSBO",, properties. Are you thinking, "Should I sell my home?" Visit to sell your home sale for free for one month.
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Recognizing the Signs that You Might Need Credit Counseling
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Most families in America today have a credit card; some have two or more. The type of credit card you own,, gold,, platinum,, ext,, is almost a status symbol in society. The concept is a good one, using your good credit to purchase big-ticket items that you may need time to pay for. If used wisely, credit cards can be a dependable resource, however,, sometimes we are unaware of the fact that we are overspending. Some may think that if they are able to make the monthly payments,, then their debt is under control. This is not always the case. These are some signs that you may be in or going in the direction of having a major financial crisis.
* You use your savings to pay monthly bills.
* You pay only the minimum monthly payments on any of your credit cards.
* You take out cash advances to pay your credit card bills,, or other bills that you may have.
* You are over or nearly over your credit limit on one or more credit cards.
* You have been turned down for loans.
* You receive calls or letters from collection agencies.
If you think that you may have a debt problem,, there is help. Credit counselors are trained to help you get out of debt in a very short period of time. Some can even help to make you debt free in as little as 18 months. Your individual situation may take more or less time. Even if you have good credit but have made unwise choices while using your credit card and you want to preserve your good credit,, you mat benefit from credit counseling. Many credit counseling agencies will provide you with a free debt analysis to help you understand what actions that you can take to reestablish your credit without bankruptcy.
Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions. He provides more debt relief,, consolidation and credit counseling information that you can research in your pajamas on his website.
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