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Blog entries tagged with "debt":
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Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers
and brokers listed on this site. These real estate profiles, blogs and
blog entries are provided here as a courtesy to
our visitors to help them make an informed decision when buying or selling a house. ActiveRain
Corp. takes no responsibility for the content in these profiles, that are written by the members
of this community.
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With all the services available to Broker's these days it's no wonder why more and more brokers are seeing the huge benefit of offering credit repair to their clients!
Caught in the maze of too much debt? Want to save more so your dreams
and goals become reality? Start getting out of your maze now by
getting help.
How often do you pull a credit report for a prospective homebuyer only to find a rat's nest of bad debt and collection reports? And how often do tension headaches grow out of that revelation? Well, before you reach for the extra-strength headache pills, take a harder, second look at your … (1 comments)
You've certainly heard and read many reports about defaults on mortgage loans. There are many reasons homeowners face such situations, some of which are completely beyond their control. There are also several solutions, but each carries a consequence.
… (0 comments)
1 November 2007
I compiled a list of websites that I use to sell properties on the Internet. These sites will allow you to post your inventory for free, and get very good rankings in the search engines.
My partner and I have been discussing a number of seminars that we can offer our clients. We want to provide an overall financial package that includes everything, from buying your first home, to planning retirement. One problem we've noticed that throw most people off track is debt. The one basic … (1 comments)
This being my first blog on this site, I thought I would comment on an article I read on MSN.com reagrding the 3 worst money moves you can make. There are many thoughts on what to do and how to do it to either pay off your home early, when to … (4 comments)
Hey all
While there's a lot of buzz about the mortgage industry right now, you may be surprised to know the vast majority of people can still get a great home loan with a great rate.
On September 26, 2007, The House Committee on Ways and Means unanimously approved H.R. 3648, the Mortgage Forgiveness Debt Relief Act of 2007. For more information, please see THIS ARTICLE. This is good news for the clients of ours that go through a short sale of their home. Under current law, … (19 comments)
I have had numerous clients ask me lately, "Should I take a fixed rate mortgage or would I be better off with a variable rate?" So based on that, I came up with the following as a general guideline of fixed vs. variable to answer this question.
WHAT AFFECTS YOUR CREDIT SCORE? Credit scores are an important factor in mortgage loans but many consumers are unsure about what causes them to receive that score. The typical score model for mortgages are FICO Scores. They are determined by five main categories:
Start by shoring up your credit.
FFG is looking for 5000 Independent Real Estate & Mortgage Brokers/Managers and an appropriate number of Sales Associates in the United States during the next 2 years to market their new TDR Assisted-Mortgage® products.
Thank you to Stephanie in WA for asking some great questions in my Mortgage Elimination IV entry. 
Unless you have been in a coma for the last 8 months you have heard or seen the recent news and about foreclosures on the rise. While it is only effecting 1% of the actual owners in Arizona the news is everywhere. some say the sky is falling others have just hit … (9 comments)
Taxpayers who owe taxes due to a foreclosure may qualify to settle their tax debt for less than the full amount. The information is designed to reassure homeowners that while mortgage workouts can have tax consequences, special relief provisions can often reduce or eliminate the tax bite. For example: Cancellation of … (0 comments)
Hi, we are new members of this community. Landry & Jacobs, LLC is a collection agency specializing in unpaid real estate appraisals through our website unpaidappraisals.com. If there is anyone out there that could use our assistance, please don't hesitate to visit www.unpaidappraisals.com … (0 comments)
The American Dream, the American story has always been one of opportunity. The story is always the same… that of the poor immigrant coming to the land of the brave in search of his or her fortune. Seemingly, it always becomes a reality if hard work and vision meet. 
I was reading a (very outdated) issue of Money Magazine the other day, and there was an article in it about this family that won an enormous home in Tyler, TX and are now facing serious debt.
How to Raise Your Credit Score 100 Points in 45 Days
I recently graduated from college with a degree in business; I have an emphasis in marketing and am working hard to grow my business. I learned a lot about opportunity costs as well as leveraging debt. I know that I can go out and find a full-time job, however that will … (9 comments)
You have decided that the mounting debt in your credit cards is getting unwieldy and you have made a commitment to yourself and your credit report to payoff those credit cards and get your debt under control. Here is a guide to make this happen.
I was recently interviewed on The Bev Smith Show which is on the African American Urban Network (yea-National Show) and it was lots of fun. The host, Bev really appreciated the fact Homebuyer's Helper came from a consumer's perspective. We even had a caller call in during the interview. I heard … (2 comments)
Here are some questions becoming more common in my business:
The Total Money Makeover by Dave Ramsey. Talk about an eye opener! If you don't like starring truth in the face then this book should not be on your "must read" list. Dave lays it all out there, as it is, even if most of us refuse to face the truth.
I remember the 1st time during my teen years as I growing up hearing my grandfather ask me this. I didn't quite understand why he was asking me this. When you are a young teenager, the thing that you focus on usually is how much it costs to go to the … (0 comments)
I began in real estate a while back and I was doing ok because I had a job as a pharmacist. Then when I went to become a Realtor I did it gradually, and my income from real estate was just bonus. However, I eventually phased out the pharmacy job because … (12 comments)
Debt consolidation refinance is one good way to get started on your journey to getting out of credit card and other unsecured debt. A Debt consolidation refinance is a very efficient financial tool for combining consumer debt into one low monthly payment. One of the main benefits of doing a debt … (0 comments)
Oconco Marketing, Inc. has fifteen years experience in helping financial professionals reach thier goals.
Is Bankruptcy really the "peaches and cream" that some have made it out to be, or is there much more to it than what we know? Bankruptcy is a somewhat complex procedure, and even more now so with the new Bankruptcy laws in effect, making it harder for people to abuse … (0 comments)
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Ever
wonder why you can't save up enough money? Ever wonder why you can't keep up
with the Jones'? Well, people never explain why the Jones' have so much? I'll
tell you! They have good … (2 comments)
Many individuals today have blemishes on their credit reports. Whether it be form a dreaded case of identity theft or not being punctual about paying bills on time, these credit mishaps can cost an individual thousands in interest if not corrected.
Visit www.ritagibbons.com to read more articles and search homes for sale. 
After a few years in the lending business I've noticed that debt is not related to income. Higher income people do not necessarily have lower debt. I've seen people with lots of monthly income who are struggling to make the minimum payments and I've seen modest income folks with no debt. … (5 comments)
Homeowners In Debt Trouble! "How To Get Out Of Maximum Debt In Minimum Time" - even get cash.
So you find you have managed to scrimp and save some money for a down payment on a house, have paid off your vehicle, and you also have found you have enough surplus monthly income for a new car payment. If you are in this position, and your vehicle can … (0 comments)
Since 9/11 the market has been in a weird state. Some areas appear to be stead some seem to be moving up. But under the surface just like an earthquake, disaster is waiting to strike!
These articles are about debt and about freeing yourself from debt- forever.
So You Have a Short Sale Lined Up - Seller Issues - Step #5 by John Occhi, Hemet - San Jacinto Valley REALTOR Hemet - San Jacinto CA Real Estate 
… (0 comments)
Originally posted on HomeFinancingNews.com
Another housing report has emerged stating what many mortgage professionals already know: the American housing market is being bogged down by high inventory and a sharp drop in demand.
Three elements are crucial to the purchase of a home—the down payment, closing costs, and qualifying for a mortgage. Here is a quick rundown of what you should know:
Nobody likes credit card debt, but sometimes it is necessary. Recent studies have shown that Americans spend $104 dollars for every $100 they make. This is resulting in another statistic that shows that the average American has over $8,000.00 in credit card debt. If this is you or one of your … (1 comments)
When you close your eyes, do you picture a life without debt - without even a mortgage? For many people, owning a home is a lifelong dream. For others, having a low interest rate mortgage is a reward in itself, something that frees them up financially to invest their money elsewhere. … (1 comments)
Get Out Of Debt 
I recently received this from a friend of mine that is a lender. I thought you might find it useful and informative. I'll break it up into nine sections, so please check back in a few days for the next part. If you missed the previous parts please read them as well. I think you … (1 comments)
If you're looking to buy a new home, one of the first things to do is to make sure that you have your credit score under control. Your credit score (or FICO) can mean a great loan, a high-interest loan, or no loan at all!
When it’s time to buy a home you may wonder how much house you can afford with all of you other financial obligations. Among other things, you probably have a car payment, some credit card debt, and maybe a hefty student loan installment to pay each month. Keep in mind … (0 comments)
Fixture is anything that is glued, screwed or permanently placed in a home making it an integral part of that home. Like bookcases for example. Sellers who before or during the boom era thought they were shrewed to refinance, pull out equity established in a market on the rise, and … (25 comments)
Financial Freedom International, Inc. has an excellent opportunity that fits great for real estate agents, brokers and loan officers. Working in the credit repair industry has lead me to many opportunities to work with consumers that have financial challenges. I find it very rewarding when I can help people achieve their financial … (0 comments)
I read an article on Save Me From Foreclosure Site. It makes the point that when a someone is already in trouble, and they think that refinancing might be a way out, they should consider that there will be expenses in the refinance that will add to their burden. Aprpaisals, points … (0 comments)
Get The Money Your Business Needs Without The Wait And Hassle You Don't Need!
Falling behind on mortgage payments?
I feel really good about something I worked on this week. Really, really good.
Q: "Why is my friend's credit score so much higher than mine? We make the same amount of money." This question was asked of me last week by one of my buyers and it made me realize that if one person was asking it, more people would like to know the … (0 comments)
Life has been a bit crazy for me in the last few weeks. I've been trying to at least read some of the blogs being posted even if I haven't had much time to post a few myself. In catching up I ran across a post by Amy Anthony-Coile Help-Oh Where-Oh Where … (15 comments)
By: Ed BrophyMarch 28, 2007 
If you're considering buying a home anytime in the near future, please think twice before purchasing your next car. I've had a couple different scenarios lately where the car payment has really impacted the home buyers. Don't get me wrong, I love cars. Old and new alike. Here's how it impacts … (6 comments)
26. Credit card companies and insurance companies sometimes look at credit files to determine who to mail solicitations to. This does not affect your credit score. However, you may request to be excluded from these solicitations.
This is to expound on a reply I made to cyber cafe Molly speaks her mind ( Her friend got foreclosed). Now I'm no expert when it comes to money. But I do know this our dollar stretchs farther when we don't have high interest debt ( credit cards). Debt, Debt, … (4 comments)
With the increasing number of homeowners getting behind on their mortgages it becomes more clear every day that the general public is not very well informed on their options. In the last week, I've come upon several homeowners in distress; three in danger of foreclosure and one facing a heavy IRS … (2 comments)
Want to purchase a home the one thing that is for the most part unavoidable is taking on a mortgage to realize your dreams. This opens the whole discussion of which mortgage is best for your personal needs and goals. No one product is a perfect fit for everyone. For some … (3 comments)
DEBT SERVICE COVERAGE RATIO or DSCR