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Phoenix Arizona Home Mortgage: Getting In Debt The Right Way Posted By: Jeffrey Nelson Are you focused on eliminating debt from your life? Maybe you should be focusing on having the right kind of debt instead. When is debt ever a good thing? Debt is a good thing when it adds to your investment profile and when it gives you an opportunity to build your long term wealth. There are many ways you can use debt to secure your financial future. Before you rush out to borrow money on your credit cards, take a moment to realize that some debt is good, and some debt are bad. Credit card debt will never improve your life, but there are several types of loans that will help you out long term financially. The two best types of debt are mortgages and home equity loans. In the past, many home owners focused on paying off their mortgage as quickly as possible, and home equity loans were not even a consideration. But times are changing. Nowadays, a mortgage or a home equity loan can add to your net worth. The key to this philosophy is using your mortgage or home equity loan to improve your assets. Think about how most people hurry to pay off their mortgage.Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage 125 Home Equity Loan: Using Your Home Value For Remodeling Posted By: Jeffrey Nelson The real estate market slow down may be causing you some big problems. If you are like most home owners, you probably intended to stay in your home for a few years (average is five to seven years), then move onto a home that better fits your needs. But with a market slow down, it may be difficult to sell your home and move up. Have you ever heard of the 125 home equity loan? One option to consider is making improvements to your home or remodeling. But what do you do if you do not have the funds to remodel? Most remodeling projects require a lot more money than the average savings account. But you still have some options. In this situation, lots of people turn to home equity loans. But even if you do not have a lot of equity in your home, you may be able to get enough money for your remodeling project. Instead of a traditional home equity loan, you could take a 125 home equity loan, sometimes referred to as a 125% no equity loan.125 home equity loan home improvement loan 125 no equity loan 125 home equity loan Phoenix Arizona Home Mortgage: Following Your Mortgage Through Its Lifecycle Posted By: Jeffrey Nelson There is a lot that happens between finding your dream home and actually moving in. But to the home buyer, much of that activity happens behind the scenes. It can be a little nerve wracking to have so much at stake, especially when you do not know what is happening with your loan. In the mortgage industry, there are some common terms for the mortgage process. You may find these terms unfamiliar. Rather than just wondering what these terms mean, and more importantly, what they entail, we will help you negotiate the mortgage process through its lifecycle. The first step of the process is the Application. In this phase there are several things that happen. The mortgage consultant takes basic information needed for granting a loan from you. The consultant also works with you to find the appropriate loan program. In this phase, you will receive all the details of the mortgage program including the costs and expenses. This is referred to as a Good Faith Estimate. During this phase, many consultants will run a cursory credit check to see your ability to repay the loan, this process is called pre-qualification. The next step in the process is Loan Processing.Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Reverse Mortgage: Live A Rich Retirement Even If You Are Not A Millionaire Posted By: Jeffrey Nelson Retirement is a whole different process than it used to be. Previous generations were able to rely on the pension paid to them by their former employers. But over the last two decades, retirement changed a great deal for most Americans, leaving them responsible for their retirement success or failure. Some Americans still have a generous pension, some have individual investment accounts, and some are forced to live off of a miserly Social Security check. Regardless of your sources of retirement, chances are finding that your income does not stretch as far as you had planned. Fortunately, there is a great asset available to make your retirement far more comfortable, and you may not have even considered it. Your home, which you have worked so hard to attain, can finally begin to work for you through a reverse mortgage. A reverse mortgage is basically a loan against your home. But with most loans you begin paying the loan immediately. With a reverse mortgage, you do not repay the loan as long as you live in the home.Phoenix arizona home mortgage reverse mortgage loan programs in Phoenix Phoenix arizona home mortgage 40 Year Mortgage: New Hope For Prospective Home Owners Posted By: Jeffrey Nelson Think that rising interest rates have priced you out of the home buying market? Think again. There are some new mortgage options that make it easier than ever to buy a home, namely, a 40-year mortgage. Traditionally, when purchasing a home, most people take out a 30-year mortgage. But recently, the federal government has introduced new loan options that make it possible to extend the loan over an additional 10 years, making the total pay off period 40 years. If that sounds like a huge amount of time, take a few moments to consider the following facts: A 40-year loan lets you get into a house now, not wait until your earning potential increases. Just because you take out a 40-year loan does not mean you have to stay with a 40-year loan. You can easily refinance in a few years. You may opt to sell the home in a few years. Getting into a home now allows you to begin building wealth in home equity. When you sell your home, you can take the profits and invest in your next home, with a standard mortgage term loan. What does a 40-year loan offer?40 year mortgage mortgage types phoenix arizona home mortgage 40 year mortgage Is A Low Interest Rate Loan In Your Best Interest? Posted By: Jeffrey Nelson The rule of thumb is to always try to get the lowest interest rate, right? Well, while it makes sense to get as low an interest rate as possible on a home loan, there may be some good reasons to avoid going to extremes to get an all-time low rate. Some people opt to pay points to get a lower mortgage rate. A point is calculated as 1 percentage point of the loan amount, so on a $200,000 mortgage, a point is $2000. Typically paying a point will have the effect of lowering the interest rate by a quarter percent (this varies with different lenders). So to lower interest from 6.5% to 6%, you would pay two points, or in our example, an extra $4,000. There are several other loan options for buyers that want to have a lower interest rate. One option is an adjustable rate loan, which has a lower interest rate initially, but may increase over the life of the loan along with national rates.low interest rate loan phoenix arizona home mortgage low interest rate mortgage low interest rate loan Get More Mileage With A Hybrid Loan Posted By: Jeffrey Nelson Have you been considering getting yourself a hybrid? No, not a car that runs on gasoline and batteries… instead, a mortgage that is unusual: one that allows you to take your buying power further. Most borrowers look at two basic loan programs: a fixed-rate mortgage or an adjustable rate mortgage. The only difference between the two types of loans is how the interest is attached to the loan, either a steady interest rate or a sliding rate that adjusts with the national prime. Hybrid loans often have more relaxed standards than traditional lending programs. There are a variety of loan programs that fall under the hybrid label. Piggy-back Loans Piggy-back loans allow borrowers to buy a home with either a very small down payment, or save money by forgoing private mortgage insurance (PMI). With this program, two loans are taken at the same time. A first mortgage which covers 80% of the home value and a second mortgage that covers the rest of the home value (usually between 5 and 15%). This type of loan program is great because it allows you to have a lower combined monthly payment than you would with a traditional loan program.hybrid loan phoenix arizona home mortgage mortgage loan options hybrid loan Phoenix Arizona Home Mortgage: Fast Tracking Your Mortgage Posted By: Jeffrey Nelson You want your mortgage to come together as seamlessly and as quickly as possible. If you have not applied for a mortgage before you may not be aware that there are some steps that can either make the process smoother or bring it to a standstill. What can you do to make the process move along quickly? Well, you should start long before you even begin looking for homes. How is Your Credit? Do you know what your credit score is? Have you checked with the three big credit reporting agencies and received credit reports? This should be your first step. You may be surprised to realize that there are often errors on credit reports and many of these errors can be quickly remedied. Also, in this age of identity theft you have to make sure that all the credit transactions and debts are actually yours. Check Into First-time Buyers Programs There are a number of government programs: national, state, county and city that make it easier for home buyers, even those with credit problems to buy a home. Most of these programs are much more competitive than the standard loan offered by big national banks.Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Should You Have A Down Payment Posted By: Jeffrey Nelson Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Finding The Right Mortgage Posted By: Jeffrey Nelson Phoenix arizona home mortgage phoenix arizona real estate loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Smoothing The Mortgage Application Process Posted By: Jeffrey Nelson Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Understanding Zero Down Mortgages Posted By: Jeffrey Nelson Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Which Loan Option Is Best? Posted By: Jeffrey Nelson Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Investigating Interest Only Loans Posted By: Jeffrey Nelson One of the more unusual mortgage options is an interest only loan. This loan option has become very popular, especially as house prices have increased. Without the option of an interest only loan, many people would not be able to afford to buy a home. Interest only loan programs are developed so that the buyer pays interest only (not any principle) on the loan for a specified period of time. Quite often, the term for the interest only payment is 5 or 10 years. In some cases, these loans are even available with no down payment, so you are not paying anything towards the principle at all until the interest only period is over. At the end of your interest only time period, you must begin to pay the principle and the interest. The loan payment increases substantially because you are not only paying an increased amount for the principle, but you are also paying the principle for a shorter period of time. For instance, with a 30-year interest only loan, you may make interest only payments for 5 years.Phoenix arizona home mortgage buying a home in phoenix loan programs in Phoenix Phoenix arizona home mortgage Phoenix Arizona Home Mortgage: Finding The Right One Posted By: Jeffrey Nelson Phoenix arizona home mortgage phoenix arizona real estate loan programs in Phoenix Phoenix arizona home mortgage Trying To Decide The Best Financing For A Second Home? Posted By: Jeffrey Nelson investing in a second home second home as investment cash out refinance investing in a second home Posted By: Jeffrey Nelson second refinance home loan refinance new mortgage second refinance home loan Posted By: Jeffrey Nelson no down payment mortgage first time home buyer zero down payment loan no down payment mortgage Are You Looking For A Home Improvement Loan? Posted By: Jeffrey Nelson home improvement loan borrowing for upgrades refinance home improvement loan Consider A Second Home As An Investment Property Posted By: Jeffrey Nelson investing in a second home investing in phoenix arizona second home as investment investing in a second home 相关的主题文章:

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