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Mortgage and Loan Tips

Refinance your mortgage, reduce your loan payments, and more...

Have your monthly mortgage or rental expenses gotten out of hand?  We've got 60+ articles with real, usable, advice on how to reduce your mortgage costs.   Everything from eliminating PMI to reducing your property taxes, to more commonplace topics like finding the real cost of refinancing your home.

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Power Budgeting - Use this Essential Business Principle to Save More Money in Less Time

cutting costsGet more from your money saving efforts!

Sometimes, a nifty rule-of-thumb rule can be a handy reminder to do things that are either difficult to imagine or hard to remember. Ideas like the Pareto Principle are one of those that can help break through the background noise and help you focus on saving money where it can have the greatest impact.Read the rest...

Payday Loan Scams - Don’t Become a Scam Victim!

Posted In:  mortgage

How I side stepped a debt collection scam.

I know better than to mess around with payday loans, so when I received a threatening email from a New York attorney claiming I had to pay $700 now or face $10,000 in costs and legal fees later, I knew right away something was up. What disturbed me most about this email was that it contained my personal information. It had my full name, address, date of birth, Social Security number and driver’s license number on it. After getting over the shock of a total stranger having this information about me, I realized this probably started when my credit card information was stolen two days before Christmas. Here’s my tale of what could have been woe had I not known the right steps to protect myself.Read the rest...

Don't Waste Your Money by Overbuilding for Your Neighborhood

Posted In:  mortgage

renovations home value realestateYou might be overbuilding when…

When planning renovations, many homeowners fail to look around and take stock of their neighborhood. In many cases, a million dollar home won’t sell for its full value if the average cost of the homes in the neighborhood is only $200,000. Homeowners must be smart with their renovations. Home prices are based on sales in your area and the lower priced homes around you will bring down your home’s value no matter how great you make it.Read the rest...

Don’t Let an Overwhelming House Payment Make Your Life Miserable

Posted In:  mortgage

Being House Poor Is a Burden You Can Do Without

Getting a new home is an exciting time. Whether you’re building buying an existing one, the thought of decorating and furnishing a space that’s totally yours is thrilling. The amazing view, the enormous yard and the gorgeous landscaping take your breath away. But a perfect home is an expensive home. You can fall in love with the new house and end up putting all your effort into making it complete. You can become so wrapped up in that process that you forget what it means to live a quality life.Read the rest...

The 8 Worst Things You Can Do When Money is Tight

Posted In:  credit cards  mortgage

money tactics, tight ropeWhen money is tight, these tactics only make it tighter.

We all make money mistakes, but some of us make it worse by using the wrong tactic to tackle a financial problem. Many of the financing options available exist simply to prey on those who are too desperate or uneducated to find a better way. If you have fallen on hard financial times and are thinking about any of these strategies to manage your finances, don’t. Read the rest...

Is Crowdfunding the Right Future for American Higher Education?

Posted In:  small business  mortgage

For some, crowdfunding is ideal. For others, not so much.

If you've never heard of crowdfunding for education, you're not alone. It’s a relatively new trend that has mushroomed over the last couple of years. You have probably heard of crowdfunding for startups and independent artists. But with the high cost of education and increasing difficulties in paying for that education, more students are looking to investors found through crowdfunding platforms focused on higher education.Read the rest...

World's Largest Debt Collector Gets Its Due: Just Deserts

Posted In:  debt reduction  mortgage

debt collection rightsKnow your rights when it comes to debt collection so this can’t happen again.

The Federal Trade Commission’s recent action against aggressive debt collectors is sure to rattle some cages! Their record-breaking fine leveled at one of the country’s largest debt collection agencies has the industry on their toes! The shady practices embraced by agents at Expert Global Solutions were far from professional, urging the Federal Trade Commission to take legal action. This landmark case may offer millions of Americans a little relief from the bullying behavior of future collectors.Read the rest...

Mortgage Options for Everyone, Even Those on Low Income Assistance!

mortgages, low income assistanceMortgages for low income assistance, poor credit, big houses and more.

So, you're ready to apply for a mortgage but aren’t sure which way to turn? You’re right to take the time to look at your options. The mortgage you choose could save you thousands over the course of the loan. The type of mortgage you seek could vary by the size of your down payment, the loan size and your credit score. Here’s a rundown of the major mortgage types and the situations they are best suited for:Read the rest...

Tax Implications for Buying a Home through a Gift of Equity

Posted In:  mortgage

Know the tax implications and why you should always look before  you leap!

My husband and I have been renting a home for a bit more than we could afford for some time. Recently, my husband’s father bought the home from the owner and we are paying him half as much rent, just to cover the mortgage payments, taxes, insurance, etc. The plan is that now, with an affordable rent payment, we can save a down payment and buy the house for ourselves. The other option is to buy the house via a gift of equity. How does that work? Here goes:Read the rest...

What to Expect When You're Expecting Closing Costs

Posted In:  mortgage

closing costsHow much are closing costs and when do you need to pay them? Find out here.

Buying a home can be a very exciting time in your life. The adrenaline can get especially high once the negotiations are over and you are ready to close the deal. Yet, of all the details involved, closing costs are the hardest to understand, master and remember. First-time homebuyers don't know how much they should be paying or how long the process will take. Even experienced buyers forget the details involved in a real estate closing, because it’s something we only do a few times in a lifetime. If you are unsure about closing costs, the following tips will help you get a handle on the closing process and how much you should pay.Read the rest...