Gucci Mane - All About That Money (exclusive) The State vs. Radric Davis

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Gucci Mane - All About That Money (exclusive) The State vs. Radric Davis Video Clips. Duration : 3.82 Mins.

Gucci Mane - All About That Money (exclusive) The State vs. Radric Davis *Copyright remains to its original owners. No infringment intended

Tags: Gucci, Mane, All, About, That, Money, (exclusive), The, State, vs., Radric, Davis

How to Stop Credit Card Debt w/o Consolidation!

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How to Stop Credit Card Debt w/o Consolidation! Video Clips. Duration : 4.22 Mins. - Get Rid of Credit Card Debt Now! Learn How to Eliminate Your Credit Card Debts in 90 Days Without Debt Consolidation or Bankruptcy!

Keywords: bad, bankruptcy, card, cards, consolidation, credit, debt, debts, high, interest, loans, relief, settlement, elimination

9/11 frauds and crimes, Osama Bin Laden dead again!? - spsyed analysis

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9/11 frauds and crimes, Osama Bin Laden dead again!? - spsyed analysis Tube. Duration : 9.67 Mins.

"The Power of Nightmares: The Rise of the Politics of Fear" is a three part documentary (180mins) written and produced by Adam Curtis for BBC TV UK in 2004. It is a long title for the documentary on fabricated fears for financial gains. The documentary tries to explore the origins in the 1940s and 1950s the rise of "Islamic" fundamentalism (western mass media terminology) in the Middle East; (Jewish-Christian Neoconservatism, terminology never used by western mass media) in America; parallels between two the movements, and their impact around the world. The 2004 documentary was still to be televised in the USA (2010). As always expected from western mass media outfits, the BBC gives credence to 911 lies. Billions dont expect global mass media outfits to expose those who benefit from terrorism, investigate motives, and follow the money trails. Those who live in denial will continue to dismiss their lies and fabrications as conspiracy theory! The documentary would help understand how US-UK criminal forces remain responsible for the use of, and even involvement in, endless terrorism, mass murders, genocides, racism, hate and Islamophobia around the world. With many basic factual omissions, "The Power of Nightmares" fails to show how well funded, organised and armed with nuclear weapons of mass destruction, the Jewish-Christian criminals fabricate pretexts; murder their own citizens (911); subvert Western democracies, justice and foreign policies; fool global mass media ...

Tags: spsyed, power, of, nightmares, rise, politics, fear, neocon, fantasy, adam curtis, documentary, bbc, fundamentalism, terrorism, muslim, jewish, christians, nwo, one, world, government, fabricate, evidence, subvert, justice, democracy, foreign, policy, 911, inside, jobs, blackwater xe, orange, force, false, flag, ops, george, bush, bill, hillary, talibans, al-qaeda, pnac, phantom, foe, barack, obama, leo, strauss, al-Zawarhi, osama, usama, bin, laden

Electric Six - Danger! High Voltage!

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Electric Six - Danger! High Voltage! Video Clips. Duration : 3.85 Mins.

You wanted it, and here they are. 3 songs posted tonight. Please enjoy! This is one of three posted tonight. Electric Six - Danger! High Voltage!

Tags: arts, crafts, beauty, dance, finance, drink, sports, technology, music, home, health, gardening, fashion, food, fitness, electric, six

Home Loans For the Self-Employed

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Being self-employed can be a beautiful thing because it allows for you to work when you want, the way you want, without anyone looking over your shoulder asking you when something will be done. While there is a lot of freedom and benefits of being self-employed, it can make some other things more difficult, such as securing home loans. If you are self employed and you would like to buy a home you should be aware that it may take you some time to find the right offer, or in some cases, any offer at all.

Home Loans When You're Self-Employed

Home Loans

When you're self-employed, many lenders are hesitant to lend to you because you cannot promise that you will have the same income every month. When a lender lends to someone with a "regular" job, they have some safety in knowing that the borrower makes the same amount of money each year or each hour. This allows them to see that the payment can be made, but the lender has to question this a bit more when there is not a salary or base hourly pay.

If you have been self-employed for more than two years, you will find that it may be a bit easier to get the financing that you need. If you have been self-employed for less than two years, it may be difficult, if not impossible, to get a conventional lender to help you out. If you have been self-employed for longer and you can show some stability through tax forms, you may be able to appease the lender.

The thing to keep in mind is that even if you can provide the lender with tax forms that show that you have a stable income you will likely be paying an interest rate that is two to three percentage points higher than someone else with the same credit standing and yearly income. This increase in interest on home loans for the self-employed is simply due to the fact that the lender feels that they have more risk with the self-employed.

There are some ways to get around this sort of problem. A lot of people choose to go with stated income home loans or they decide that they will simply assume a mortgage from someone else. These are viable options, assuming that you can do this, as they will help you get into a home without all of the problems that many self-employed people face.

While it can be more difficult for the self-employed to secure home loans it is not impossible. You should look for lenders that specialize in hard to finance loans or even in self-employment loans. When you deal with someone who does a lot of these loans they may have certain things that they do or require of you that will help you get the financing that you need without seeing a huge increase in interest rates. Don't give up before you get started; just be aware that you may have to work a bit harder at getting home loans than the average person. Home ownership can be a reality for the self-employed; you just might have to be more creative about getting the loan that you need!

Home Loans For the Self-Employed

Rahimafrooz Batteries Ltd, Bangladesh, Solar home systems - Ashden Award winner

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Rahimafrooz Batteries Ltd, Bangladesh, Solar home systems - Ashden Award winner Video Clips. Duration : 2.30 Mins.

This video can be downloaded here: Rahimafrooz Batteries won an Ashden Award for Sustainable Energy in 2006. To find out more visit the link above and check out the Ashden Awards Blog Rahimafrooz Batteries Ltd has played a leading role in the Rural Electrification and Renewable Energy Development Project (REREDP) - a large scale programme to provide solar home systems (SHS) to rural households in Bangladesh. Rahimafrooz has manufactured and supplied the rechargeable batteries for over 75000 systems, as well as charge controllers and fluorescent lamps. Rahimafrooz has also exported over 80000 batteries for PV systems, mostly to Nepal and Bhutan. Nearly 70% of households in Bangladesh are not connected to the electricity grid and so depend on kerosene for lighting. This includes most rural areas, and also the fringes of Dhaka. There are plans to extend the grid, but there is little prospect of substantial change in the near future. The REREDP, which is funded by the World Bank and GEF and managed by the Infrastructure Development Company Limited (IDCOL), initially aimed to provide 50000 systems by the end of 2007, but this has already been increased to 200000 systems because of the success of the programme, and may be further increased. IDCOL provides Participating Organisations (POs) in the programme with subsidies and concessional loans to purchase PV systems in bulk, and the partners can then provide credit to rural ...

Tags: Rahimafrooz, Batteries, Bangladesh, Solar, home, systems, rural, ashden, awards, sustainable, renewable, energy

Mobile Home Parks For Sale Investment Video

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Mobile Home Parks For Sale Investment Video Video Clips. Duration : 4.02 Mins.

Why buy Mobile Home Parks For Sale? Are Mobile Home Parks good investments? About Mobile Home Parks For Sale vs. NNN, Apartments, Office, Self Storage and other income commercial real estate for sale. Cash Flow and lower risk

Keywords: Mobile Home Parks For Sale, Trailer Parks For Sale, RV parks For Sale, Campgrounds For sale, Mobile Home Park Brokerage, Mobile Home Park Brokers.

Home Loans For Bad Credit - Smart Tips For Dealing With Online Mortgage Companies

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Home loans for bad credit are for people who find it difficult to get loan facilities due to poor credit ratings.

However, people with bad credit may have to deal with several difficulties at times and they also pay slightly higher interest rates for the loans. One of the best ways to increase your chances of getting a home mortgage loan if you have poor credit is by improving your credit history. Besides, you can get in touch with some good sub prime lenders who may be able to assist you in getting the best deal in getting such loans.

Home Loans

There are many reasons why anyone can get a negative credit history, which includes overspending and lack of proper financial planning. Many of us fall into a debt trap owing to excessive use of credit cards, which can sometimes put a strain on financial resources and result in late payments. These last payments impact on our credit scores. You can improve this situation by prioritizing your needs well and set some money aside, which can be used to clear off your debts on time.

Pros and cons of bad credit loan mortgage

The best part about a bad credit home loan is that it provides a good opportunity to people who have a poor credit score and makes it possible for them to secure loans and own a house. By making regular payments on time, your credit score can improve which can even help you to choose refinancing schemes with lower monthly repayments. However, on the downside if you have a bad credit rating, you may be required to pay a higher rate of interest as compared to people who have excellent credit ratings.

If you have poor credit, the amount of money which is to be repaid every month also increases which can put increasing burden on you as a borrower. As a result, a home buyer with poor credit may have to opt for a cheaper and affordable home to reduce the debt burden and sacrifice his or her personal desire of owning a lavish and expensive home.

Effective tips for managing online mortgage companies

You can refer to some good websites which can give you excellent information on the best mortgage lenders who specialize in providing bad credit loan mortgage schemes. It is necessary to gather all the relevant information about the mortgage companies and know their terms and conditions along with the fees and interest rates they charge. You can also learn about the different kinds of loans that are available and understand the loan repayment terms and their repercussions on your daily expenses to help you plan your finances accordingly.

It is also important to determine the actual loan cost by calculating the loan application fees, closing fees and any other fees which may be associated with borrowing a bad credit home loan.

If you are applying for a bad credit home loan through online mortgage companies, then you need to do a thorough follow up of the process to ensure quick and fast processing of your loan.

Home Loans For Bad Credit - Smart Tips For Dealing With Online Mortgage Companies

The Green Children - Hear Me Now

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The Green Children - Hear Me Now Tube. Duration : 3.62 Mins.

(C) 2009 Knightingale Entertainment/Spinside Records. Buy the song and 50% will go to Whole Planet Foundation. iTunes - Written by The Green Children, Milla Sunde & Marlow Bevan. Director: Mark DeLong, Web: Filmed entirely in the rural villages of Bangladesh, this video features the real women borrowers of 'Grameen Bank', known as 'the bank for the poor'. See how small loans have changed their lives for the better. The video also features 2006 Nobel Peace Prize winner Prof. Muhammad Yunus, whom we are very proud to be working with. Please help us raise awareness by sharing this video. Hear Me Now Lyrics... A scarf uncovers a smiling face That tells the story of a changing place She knows no greater wonder than what she's seen She bears a heart of secrets from where she's been, she says Hear me now Hear me now Hear me out, she cries See me now See me now See in me and I'll rise She's worked hard and achieved A new life's been received So much pride in her eyes She's thrown out her disguise She's got a chance to make it on her own Just one man gave hope to his home, he says Hear me now Hear me now Hear me out, he cries See her now See her now See in her and she'll rise She speaks unfamiliar words But so easily understood It's like a tone in her voice Reveals the power of choice She's so wonderful The way she holds herself She finally broke the spell You can tell Hear me now Hear me now Hear me out, she cries See me now See me now See in me ...

Tags: green, children, hear, me, now, prof, muhammad, yunus, grameen, microcredit, microloans, micro-finance, nobel, peace, prize

Home Loans - 4 Ways To Figure Out How Big Should They Be

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If you're like most people, you think that banks don't give out mortgages borrowers can't easily reap. Though what you think makes sense, it's not how it actually works. Yes, banks look out for themselves but it's a bit more complicated than that. But that's not what I'm writing about. What I'm writing about is: How do you know how much home you can afford?

So how do you know what's the most you can pay for a house?

Home Loans

It's simple, actually. You need to know how much mortgage you can afford. What you can comfortably afford and what your mortgage broker qualifies you for are not always the same. Add that to the total house expenses, making sure you don't leave anything out. That means a lot for all the bills and for reserves. Also think ahead. What are you likely to need or want in 2, 5, 10 years? Will you become a parent? Will your daughter be starting college but only if you pay for tuition?

1. You can start with the rule of thumb that says you can afford to pay 3 times more than what you gross in a year for your home. If your gross earnings are 0,000, by this rule you can afford to pay up to 0,000 for your home. The rule doesn't take into account down payment amounts or mortgage rates, specifically, the mortgage rate you're likely to get. A 0,000 mortgage has a monthly payment of ,073.64 (,883.68 yearly) but ,432.82 (,193.84 yearly). That's a significant difference.

2. You're better off considering your house payments as a percentage of your gross income. Lenders like to see that your house payments are less than 28% of your gross income and your total debts less than 41%.

3. To make things better yet, consider that taking 20% out of ,000 leaves only ,000 for your other expenses while 50% out of 0,000 leaves 0,000. In other words, just make sure you're left with enough for your other expenses, no matter what lenders allow you to borrow.

4. If you've been paying rent or have a mortgage now, a good way to do things is to look at what happened last month and how you felt about it. If you're a renter, don't forget to include the tax benefits (you don't pay taxes on the interest portion of your monthly payments and you can depreciate your home). Consult with your accountant to figure out if you yourself can do that. Generally speaking, if you get the deduction and depreciation, you can spend about 33% more on house payments (mortgage, property taxes, property insurance) than you did on your rent and end up in the same place financially.

If your current rent or house expenses leave you stressed, you obviously should be aiming for something lower.

Here are the 4 ways of looking at it. You don't have to use only one. Whatever you choose to do, don't let emotions get in the way of math. Buying a home is all about math. Yes, it's great if you also love your new home. But you're not going to love it for a long time if the bank takes it back.

Home Loans - 4 Ways To Figure Out How Big Should They Be

Steps to a Successful Home Loan Modification Or Loan Restructure

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The step by step process will be explained for you here, this may help you complete a modification if you have the time to spend on actually getting it done yourself.

A successful modification can be completed for you by a professional within roughly 90 days as the experience and the man power on doing and completing this process the right way is already known and practiced daily.

Home Loan

- Get the loan modification forms that will be required by your lender. Financial statement, hardship affidavit, hardship explanation letter

- income documentation-paycheck stubs, W2's, tax returns, award letters, bank statements

- Get out your monthly bills-itemize your expenses and you should be as accurate as possible

- Now complete your financial statement by itemizing your household gross income and your monthly expenses.

- Fine tune your financial statement with any changes required so that you know your budget fits into the approval guidelines based on your banks requirements.

- Put together all of the forms, income and asset documentation, hardship letter and organize them into a folder for handy reference (this part is critical because if you do not make it "easy for the bank" they will put your file to the side and not even contact you).

- Now, call your lender and tell them you want to apply for a loan modification or a loan restructure, have all of your prepared financial information and documents ready so you are prepared to give them your accurate and acceptable information in the proper order as they require you to do so.

Steps to a Successful Home Loan Modification Or Loan Restructure

Home Loans For First Time Buyers With Bad Credit

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First time home buyers with bad credit have a lot of options when it comes to financing their purchase. You don't need to worry about getting approved, since almost all applications are accepted today. Instead, you should focus on getting the best rates and fees on your home loan.

Get Your Credit In Order

Home Loans

Before you start home loan shopping, make sure your credit is in order. Even with poor credit, you should check for any errors in your credit report. You can also include a letter explaining the circumstances around a late payment or bankruptcy. Some lenders will adjust your credit score and rate if the information can be verified.

You may also want to request your credit score to see where you stand. A score of 600 or higher will get you accepted by most conventional lenders. You can pay to get your score with a reporting agency or receive it free as part of an introductory offer with a credit monitoring service.

Think About Down Payment And Your Budget

Down payments can also improve your rates. For the lowest rates, put down 20% or more. Remember too, that you can tap into that cash with a home equity loan if you get in a pinch.

You should also look at your budget and see what you can afford for a house payment. Also include the cost of taxes, homeowners' insurance, and home repairs. With this number, you can determine how much you can afford to borrow.

Look At Interest Rates Not Approval Rates

When you look for a home loan, focus on finding the lowest rates and fees. You want to compare the APR of the loan since this includes both fees and rates. The type and term of your loan will also affect the rate. Adjustable rate mortgages offer the initial lowest rates. Short term loans also have lower rates.

Start requesting no obligation quotes from both conventional and subprime lenders. Once you have found the most favorable terms, you have two options. You can get pre-approved and then go home shopping. The other option is find the home and then lock in the deal. Getting pre-approved may give you an edge in negotiating a deal and locking in low rates.

Home Loans For First Time Buyers With Bad Credit

Home Ownership 101

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Home Ownership 101 Tube. Duration : 28.58 Mins.

Think you're ready to buy a home? Before you embark upon on what may be your largest purchase/investment, be sure that you know as much as you can about real estate. In this segment, we will hear from the CEO of Platinum Realtors about homeownwership, and what he suggests future homeowners do to prepare for homeownership.

Keywords: Financial, literacy, Home, Ownership, samoria.Samad, urbanwallstreet, assets

Whistle Blowing on Land Patents

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Whistle Blowing on Land Patents Tube. Duration : 9.23 Mins.

Anita Belle, the Motown Belle, blows the whistle again. This time her targets are land patents and mortgage fraud. Soon, everything old, like land patents, will be new again. In the meantime , find out if land patents can prevent foreclosure and save your home!

Tags: Economics, Business, land, patents, mortgage, fraud, foreclosure, prevention, property, taxes

Silver Investment: $1500oz Silver!! - Mike Maloney

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Silver Investment: 00oz Silver!! - Mike Maloney Tube. Duration : 2.67 Mins.

Why Silver Investment? In 1980, it took 1000oz of silver to buy a single family median price home, that day will come again but it's probably going to be less than 500oz. This opportunity isn't going to last for long...there are these brief moments that go by, as far as historic time, they go by in the blink of an eye...where the safest place to be, the place where people run to, to protect their financial well being during economic crisis, gold and silver, they have been the safe haven for your finances for 5000 years. And there are these brief moments in history where they simultaneously become the asset class that has the single greatest gains in absolute purchasing power...and we're in one of those RIGHT NOW." - Mike Maloney To learn more about silver and the great silver investment opportunity currently presenting itself worldwide, check out

Keywords: silver investment, silver bullion, silver spot price, silver stocks, silver snowball, investing in silver, buying silver bullion, gold investment, robert kiyosaki, rich dad, inflation, hyperinflation, declining dollar, fiat currency, us economy, federal reserve, finance, global finance, money, investing, stocks, mike maloney

Home Mortgage Consultants

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Looking to find home mortgage consultants? Wondering how they can be of benefit to you, in the process of purchasing a home? In this article, we will look at the benefits of home mortgage consultants, and how they can help you. Discover the information you need, to be able to get the best.

There are many different benefits to a consultant. When you go to get finance to purchase a home, you have a few options on the method you choose to go with.

Home Mortgage

For example, you can actually go through the lender directly. The problem with this, is that it can take time, as you research the options to find the best.

However, here is where the consultant can be of benefit to you. There are many benefits to a home mortgage consultant, because they do all the work for you.

They research the options, and this is what makes them be of such great benefit. If you need to purchase a home, the mortgage consultants will go through the list of packages that they represent, and then find the best package based on your needs.

So why do they do this? Generally they take a commission for finding the package for you. Generally this comes out of the lenders pocket, rather than yours!

However, it can be a good idea to do some research, because if the home mortgage consultants have a limited range of lenders and packages that they represent, then it can work out more expensive, than if you did some research on your own.

Finding these home mortgage consultants, can be as simple as looking in a real estate magazine or even online. With so many options, you can be sure to find something that you need, fast! So, invest the time, and get the best!

Home Mortgage Consultants

Home Loans and Upfront Payments

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Home loans upfront payments refer to the amount of money given on purchase of flat or house before applying and getting the loan amount. There are various procedures for loan approval and then on approval of the loan the client can get the desired percentage of amount as home loan. One usually tends to oversee the amount of upfront payments even though it can be of a substantial amount.

Being prepared beforehand regarding the amount of upfront payments helps ease out the stress involved during the procedures of application of home loans and also makes the borrower be prepared with the required amount. When purchasing a house and applying for a home loan the first priority is on selecting the place. We select an area or locality and inquire about the rates in that area per square foot. By this we can calculate the cost of the house. But usually as we go to apply for a loan processing charges, bank charges, special charges and many other costs come up to a big amount. These upfront payments have to be done before getting the loan amount. Only on completion of these payments does the financial institution approve of the loan. Therefore one has to be prepared with this amount before hand to facilitate approval of loan amount.

Home Loans

Not being aware of this point during applying for a home loan delays the approval and application process. The borrower is shocked to know about the sum of all these payments as he understands that he is applying for a loan and only has to pay some down payment from the price amount of the house. Hence when considering for going in for a home loan from government or private lending institutions one must have a talk regarding upfront payments and how much do they come up to. Then one can be prepared for this amount and go in for the future procedures regarding purchase of a home and applying for a home loan.

Home Loans and Upfront Payments

Home Finance - 20 Questions For Your Lender

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Warning! Home finance has blossomed into an incredibly diverse and complicated industry. This is good and bad. There are at least a hundred ways to borrow the money for your next home now. There are also dozens of ways for lenders to take advantage of you, from hidden charges to prepayment penalties and more.

Let your lender explain all the various home loans and home finance options available. However, when you finally decide on a product you like, ask as many of the following as are relevant to your loan. These are the questions that will protect you.

Home Finance

Home Finance - Questions For The Lender

- What is the interest rate?

- What is the APR (annual percentage rate; includes fees, points and mortgage insurance)?

- What is the initial rate (if it is an ARM - adjustable rate mortgage)?

- What is the highest the rate can go to next year (ARM)?

- What are the annual and lifetime caps on the interest rate and payment (ARM)?

- How often is the rate or payment adjusted, and when (ARM)?

- What index is the rate based on (ARM)?

- What margin is added to the index (ARM - it might be the index plus 3%, for example)?

- Is credit life insurance required (this pays off the loan if you die)?

- How much would the payment be without it?

- Can any of the fees or costs be waived?

- Is there a prepayment penalty?

- How much is the prepayment penalty?

- For how long is the penalty in force?

- Are extra principal payments allowed?

- Is an interest rate lock-in available? (guarantees interest rate for a time)

- Can I have the lock-in in writing?

- Is the rate locked in at time of application or time of approval?

- If rates drop, can I get a lower rate locked-in?

- What inspections and/or surveys are required?

- Is a title search and/or title insurance required, and what is the cost?

- Can I get an estimate of prepaid amounts that I'll have to pay at closing?

- Are there "points," and what will these cost (discount points to reduce interest rate)?

- What state taxes, local taxes, stamp taxes and transfer taxes will I have to pay?

- Will a flood determination be required (to see if the home needs flood insurance)?

- What other costs will there be?

- Is there anything else I should know?

Lenders may not like getting two dozen questions thrown at them, but you have a right to ask before you agree to a loan. Did you know that a 1% higher interest rate on a 0,000 loan can cost you an extra ,000 over the years? Home finance can be as important as a good price when it comes to saving money on your home.

Home Finance - 20 Questions For Your Lender

You Can Get a Home Loan Even After Bankruptcy

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Because of the credit crunch, getting a home loan has become very difficult. Having a good credit is also not a sure ticket to a mortgage loan. The problem becomes more complicated if you have recently filed for a bankruptcy.

Fortunately, it is still possible to reestablish your credit and achieve new financial integrity. So do not lose hope because you can still own a home after a bankruptcy. There are very specific underwriting guidelines for getting a mortgage loan after a bankruptcy. These guidelines were defined by the Housing and Urban Development, Veteran Administration, Fannie Mae and Freddie Mac, and Ginnie Mae.

Home Loan

You have to take note though that getting a home loan after a bankruptcy is not easy but it can be accomplished as long as you know the rules.

Understand the Type of Bankruptcy You Filed

For Chapter 7 bankruptcy, you have to wait at least two years from the date of your discharge before you can qualify for a new mortgage loan. If you had a foreclosure, the minimum time would go up to three years. Remember that bankruptcy filing will not protect you from foreclosure. This is a common misconception that you need to understand.

If you filed for Chapter 13, there would be more options available for you. Some of those who filed for Chapter 13 and showed diligence in paying their debts can quickly qualify for a mortgage loan after one year only. However, the approval of your bankruptcy trustee is still required.

Steps to Reestablish Your Credit

You have to begin credit restoration immediately while you are waiting to become eligible again for a mortgage loan. You need to build new positive accounts as quickly as possible. You have to carefully plan for your credit restoration and the process should begin right after your discharge.

As much as possible, you have to establish new credit without going into new debts. Achieving this feat requires careful and long term planning. In order to significantly recover your good credit rating, you must build at least four to six active and positive accounts. This is the reason why you need to start immediately to make the process easier.

After the meltdown of the credit market, many people think that getting a loan with a bad credit is already impossible. To some extent, the sub prime market is already a thing of past. But there are new options for you to get a loan even if you have bad credit. These are the FHA mortgage and the USDA Rural Housing and Farmer's Home Loans.

But do take note that even these options have strict underwriting guidelines. The guidelines are not as aggressive as before. So be prepared to encounter some challenges when applying for a new home loan.

A few years back, FHA loans can be obtained even if your credit score was below average. You can get such loans with a 0 down payment. This is not possible anymore because most FHA lenders require at least 620 credit score and 3.5 percent down payments.

You Can Get a Home Loan Even After Bankruptcy

First Time Home Mortgage - How Much Mortgage Can I Get Approved For?

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That's the big question.

The Answer: How much of a first time home mortgage you get approved for depends, first and foremost, on how much you can afford.

Home Mortgage

And what you can afford depends on:

a) How much you can reasonably pay each month (or week)

b) How much money you have upfront, to pay as a deposit (down payment)

c) Whether you have enough cash to pay for the professional services you use when buying a house (closing costs)

Here's a simple way of working out how much mortgage you can afford:

1. Add up all your income

2. Add up all the money you spend (less rent if you're paying rent at the moment)

3. Take your total spend (step 2 above) away from your total income (step 1 above)

4. Add up all your savings and any gifts of money.

The figure you get at step 3 above, is the maximum amount of money you have to spend in mortgage payments.

The figure you get at step 4 above, is your down payment plus closing costs.

But that's not all.

How much mortgage you get approved for also depends on how confident your lender feels that you will continue to repay your mortgage until it ends.

This confidence - or lack thereof - is based on:

a) Your credit history and profile. So if with the loans and credit cards you already have, you always make your payments on time, it's a good sign that you will continue to be consistent with your mortgage. Also, the actual amounts of money you have left to pay off on your loans and credit cards, matter.

b) Your employment situation. The less likely it is that you will become unemployed, the happier mortgage lenders will be to take a risk with you.

First Time Home Mortgage - How Much Mortgage Can I Get Approved For?

Cash Out Financing And Home Equity Loans

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There are different kinds of mortgage funding choices accessible today. Amongst these are the home fairness lending options as well as the money out funding. Both have their set of benefits and disadvantages but selecting the proper one particular for you depends within the techniques of being able to access your fairness devoid of genuinely spending high curiosity or costs.

Cash out financing

Home Finance

When financing with dollars back the refinance is carried out within the primary mortgage loan. The same is completed to get a greater volume for the debts at present owed on the lender. The principal difference between the older home finance loan along with the new a person is based within the fairness. A single from the main causes that folks go for dollars out financing is that it helps to repay the previous money owed by taking a new bank loan. While taking this bank loan the credibility with the lender need to be taken into consideration. This option is commonly taken when the borrower is facing down flow of cash and results inside non payments of money owed. But unlike the house equity financial loans this finance possibility just isn't planned out.

Home equity loans

You will find two most important types of house equity loans. These will be the 2nd mortgages plus the dwelling fairness line of credit. In the 2nd property finance loan choice a particular sum is furnished to your borrowers at fixed rate. But the line of credit rating functions like a credit card. The account is tied to the house equity with the curiosity charges varying. House equity loans will be the perfect alternative for receiving more compact loans and equity along with the identical might be supplied with a revolving line of credit. It also aids in having to pay off financial loans faster and not be under far more money owed.

Home fairness loans or hard cash out financing

A person of the simplest methods to pick among these two selections is to choose on basis of the loan sum. If you are in search of a increased amount of loan then the cash funding possibility is proposed. This option allows to increase the mortgage terms and also the awareness charges along with obtaining you lower monthly payments. But if you're looking for a smaller loan then the house fairness mortgage is really a greater selection. Refinancing of house equity financial loans also allows to save a huge amount of money, specially if the awareness prices drop. You will discover also various on the internet alternatives for both which can support borrowers to have very good offers. But no matter which option you pick it is best to compare deals just before finalizing the similar.

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Cash Out Financing And Home Equity Loans

Student Loans and Financial Aid Information Motorhome Financing and Camper Refinancing!

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Student Loans and Financial Aid Information Motorhome Financing and Camper Refinancing! Video Clips. Duration : 5.73 Mins.

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Greatest Goalie Saves Ever!!! Video Clips. Duration : 3.62 Mins.

This is a video of the best goalie saves ever!!! I hope you enjoy. Please don't forget to rate, comment, and subscribe. If you have any suggestions on other videos i should make then please tell me them. I need your help to know what I should make new videos about. If you have any questions please ask them. Please help me reach my goal of 100 friends and 100 subscribers. If you don't want to subscribe than just please send a friend invite. Thanks Song: It's Not My Time, by 3 Doors Down

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Owner Financing - How to Finance Older Mobile Homes

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Have you have ever tried to finance a mobile home manufactured before 1976? You probably felt like it would be easier to sell snow cones in Antarctica! Fortunately owner financing and private mortgages offer creative alternatives for hard to finance mobile homes.


When purchasing a new mobile home financing is often offered through the dealer or retailers.  Approved Federal Housing Administration (FHA) lenders are an option for mobile homes that meet the guidelines, including the age restriction of built on or after June 1976.


Manufactured homes permanently attached to a foundation also have access to financing as a mobile and land package, provided credit and equity are acceptable.


But the question still remains, "Where can older manufactured homes, single wide mobiles, and buyers with less than perfect credit look for financing?"


Private Investors

A private investor, independent bank, or credit union may provide alternative financing options.  These are generally local investors or in-house portfolio lenders that are familiar with the area and comfortable with the risk at a lower investment exposure in exchange for a higher rate of return.


Owner Financing

Home Finance

Asking the seller to carry back a note is a common way to finance the purchase of a mobile home.  The owner acts as the bank by accepting payments from the buyer over time.  This avoids meeting the more restrictive bank mortgage requirements.


While interest rates are likely higher with owner financing it can provide a viable solution allowing the buyer to take advantage of the affordable housing mobile homes offer.


Some sellers prefer a lump sum of cash today and are reluctant to collect payments over time with owner financing. If a seller prefers cash now they can consider temporary seller financing and then sell all or part of the payments for cash to a note investor on the secondary market.


Manufactured homes make up an average of 8% of all home sales according to the US Census Bureau.  There are some states, like North and South Carolina, where that percentage nears 18%.  Many of the states with mobile home sales over 10% are also the same states that rank higher for overall owner financing.


This just proves what most note buyers and note brokers have known for years.  When there are properties or buyers that are hard to finance people turn to owner financing.  

Owner Financing - How to Finance Older Mobile Homes