How is the Escondido Real Estate Market?

The Real Estate Market in Escondido is not much different than much of the larger market across the country. Property prices are down and foreclosures are up. It will probably be a few years before things start to stabilize again. The next wave of foreclosures should happen in 2009 when all of the option arms start resetting. Once we are through this I think we will know where we are at.

http://www.mylesweisman.com/

What is a RELO?

What is a RELO? RELO is short for relocation. RELO Properties are owned by a RELO company, or real estate company, even employer for transferred employees. A home buyer should check with a real estate company's relocation department for good home buying deals. Employees should check with employer's HR department.

What is a RELO?

Should I get renters insurance?

Should I get renters insurance? Get Renters Insurance If Renting A Home After Foreclosure. Renters Insurance is often missed by renters. If you have owned a home your homeowners insurance policy will not cover you if you are now renting a home. Make sure that you check your current insurance company for renters insurance and shop around.

Should I get renters insurance?

Renting a Home Until Your Credit Rebounds After A Foreclosure

Renting a Home Until Your Credit Rebounds After a Foreclosure. Renting a home is a great way to reestablish credit following a bankruptcy. It takes 3 years from foreclosure to be able to qualify for a mortgage. (Should I rent or buy a home now)

What Does REO Mean? Real Estate Owned

What Does REO Mean? Real Estate Owned and REO stand for banked owned property from a foreclosure. Buy a REO properties. Maybe get a good deal, but do your inspections, use a real estate agent. (What is an REO)

Ask A Real Estate Agent What Your Home Is Worth

How does a realtor know what my home is worth? Ask A Real Estate Agent What Your Home Is Worth. Real estate agents are very knowledgeable when it comes to determining the value of your home. Selling your home, refinancing your home, getting divorced, talk to a real estate agent first to get an idea of your home's value before you make plans and pay for an appraisal. (What is my home worth?)

How Do I Know What My Home Is Worth?

How Do I Know What My Home Is Worth? Determining the value of your home can be achieved by many valuation methods. Are you looking to sell your home, refinance your home, or just know so you can sleep at night? Depending on your reasons, you will pick an appropriate valuation method to determine the value of your home. (What is my house worth?)

Real Estate Articles

How do I get a mortgage?

How Do I Get A Mortgage? Qualifying for a mortgage requires meeting particular guidelines. To Qualify, every borrower must show ability to pay, willingness to pay, and credit worthiness. There are different ways to qualify as long as the basics are met. Your first step should be to speak with a loan officer and see what documentation you will need for the loan. (How do I get a mortgage?)

Home Buyer Articles

What Are Points? Should I Pay Points?

Should I pay points? What Are Points? Should I Pay Points? Paying points lowers your mortgage interest rate. Answer the question Do I Pay Points Or Not based on Money, Budget, and Time. You need to consider how long you are going to stay in your home to really see if it is worth the extra money.

Should I pay points for a mortgage?

What Is A Mortgage Broker?

What is a Mortgage Broker? A Mortgage Broker arranges mortgages for home buyers and home owners. Mortgage Brokers have flexibility in the loan programs they can offer, offer a wide variety of loan products, some can offer FHA mortgages and Reverse Mortgages.

What is a mortgage broker

Do Not Get Fooled By The Yield Spread Premium

What is yield spread premium? Yield Spread Premium is the difference between a mortgage broker and mortgage lender. Mortgage Brokers disclose Yield Spread Premiums on the Good Faith Estimates and Mortgage Lenders do not. (what is YSP)

First Time Home buyer articles

Lynx-Gas-Grills - What Is The Best Gas Grill?

The Lynx_Gas_Grill is the best in the business. What is the Best Gas Grill? The Lnyx Gas Grill is certainly one of the world's best gas grills. Durable, hand made in the USA, stainless steel, infrared, red brass burners all make the Lynx Gas Grill system one of the best. (Lynx-Gas-Grill information)

Green Articles and Information

What Happens If My Rate Lock Expires?

What happens if my rate lock expires? If your rate lock expires you need to know what to do to protect yourself. Mortgage companies and mortgage lenders handle expired rate locks differently depending on company policy, interest rates, and who dunnit. You may be in for a real shock if you loose your rate lock. Interest rates go up and down daily. You could end up with a rate much higher than you were originally quoted. Be sure to know when your mortgage rate lock is expiring so you can stay of top of your loan officer. (What to do if you loose your lock)

Mortgage Articles

FICO Score Factors That Do Not Affect Your Scores

FICO score factors that don't affect your credit scores are important to know. Know what what to not do to improve your credit scores. You may be unknowingly doing things that are hurting your credit scores. (What doesn't affect my credit score)

How To Deal With A Collector

If you have collections you must learn how to deal with a bill collector. If you ignore collectors calling you you could do more harm, but you must know the rules of the Fair Debt Collection Practices Act. (How do I get collectors to stop calling me)

Credit Articles

How Do I Stop Identity Theft?

How Do I Stop Identity Theft? Stopping ID Theft comes from preventing ID Theft. Stopping ID Theft takes some effort as ID Thieves get better and better. Use a credit monitoring service like LifeLock Identity Theft Prevention to keep an eye on your credit report. (I want to protect my identity)

I want to learn more about credit

Author Terms of Participation - Become An Author On GetPreQualified

Author Guidelines and Terms of Participation, Become an Author On GetPreQualified.com and get your content online. Publish your expert knowledge. General requirements to submit articles to GetPreQualified. Read the guidelines. (I want to publish online articles)

I want to publish real estate articles

Article Editorial Guidelines - Become an Author on GetPreQualified

Article Editorial Guidelines for GetPreQualified. Submit your articles to GetPreQualified. Become an expert in your field of expertise. Follow our guidelines to publish your mortgage, real estate, credit repair, debt settlement, debt negotiation articles. (I want to publish articles online)

I want to publish articles on GetPrequalified.com

What Is A Fraud Alert? How To Do A Fraud Alert?

What Is A Fraud Alert? How To Do A Fraud Alert? Both important consumer credit protection measures to take to help prevent ID - Identity Theft. Place a fraud alert on your credit report if you want to protect your credit and identity. (How do I do a fraud alert on my credit report)

I have credit questions

What To Do If My Mortgage Balance Is More Than Home Is Worth

My mortgage balance is more than my home is worth. Many homeowners face homes values less than mortgage balances. FHA Secure, refinance while subordinating a second mortgage are options. You may also want to try NACA as a solution. This is also a great time to try to renegotiate your terms on your mortgage. You may be able to get a reduction in principal as well as lowering your mortgage interest rate. (My mortgage is upside down)

I have mortgage questions

Solar Electric Arizona – Are There Enough Solar Electric Contractors

Solar Electric Arizona is a no brainer, but are there enough solar certified electric contractors and installers? The home solar electric market is in Arizona is in high demand and there is strong supply of panels. Contractors and installers must keep up or conversion efforts to solar electricity will be slowed. (Solar Electricity in Arizona)

Stop Global Warming

What Is The Pickens Plan - Wind Power Generation

What is the Pickens Plan? Wind power generation is the Pickens Plan. The Pickens Plan calls for increase natural gas vehicle use and wind driven turbine power generation in the mid section of the US to reduce the U.S. dependency on foreign oil. (How does the Pickens Plan work?)

Alternative Energy Solutions and Going Green

Sample Pre-Approval Letter and Advice On Sales Contract

Answers to frequently asked mortgage and sales contract questions about pre-approval letter and advice on making an offer to a home seller. Bonus information about getting pre-approved. When you bring a pre approval letter to a seller, it is telling them that you are dealing in cash. It is one less thing for them to worry about. Getting prequalified is ok but it is not a pre approval. (how to get pre qualified to buy a home)

Advice on making an offer to a seller

Buying an Investment Property Different From Buying a Home?

The process of buying an investment property is similar to that of buying a home to live in. There are some differences in how you qualify for an investment property and the loan will have a higher interest rate. (Are mortgage rates higher for investment property?)

Buying investment property in a down market

Should I Pre Qualify With My Husband As First Time Buyers?

My husband has a lot of debt, should we try to buy our home together? We are first time home buyers and want to buy our first home, but don't know what to do. (Get Prequalified)

first time Home buyier information

Buy A Home After Bankruptcy - With Co Signer Or Wait

I want to buy a home after bankruptcy. Can I buy it with a co-signer or will I have to wait? Buying a home after bankruptcy - several options. Wait or have someone else buy home for you and you rent from them. Fannie Mae guidelines state that you must wait two years from the filing date of the bankruptcy to be eligible to buy a home. The BK must be discharged as well. (Buying a home after bankruptcy)

Home buying articles

Buying Green Energy With Green Pricing, Green Marketing, and Green Tags

Buying green energy without a home solar electric system is possible in many different ways. Green Pricing, Green Marketing, Green Tags all support going green with renewable energy sources like solar, wind, biomass, geothermal, and hydroelectric. (How to go green)

Stop global warming

Home Solar Electric Still Expensive - How To Pay For These Systems?

Home solar electric systems are still too expensive for most Americans. Learn how to pay for some of these solar energy systems. Some incentives and rebates are available now, but more are on the way. Fossil fuels and global warming are forcing solar energy research and funding sources. How to buy a solar energy system

I want to go green

Home Solar Systems And What Do They Cost?

Home solar systems and what do they cost are common questions for anyone looking at saving money, going green, and saving the environment at home. Home owners have many options for at home solar solutions, but many of them are expensive. What is the cheapest solar system I can put on my home?

How can I go green?

What Is The Best Mortgage For Recent Debt Management Program?

The best mortgage program following a recent debt management, debt settlement program is an FHA loan. Teacher loans may work from Fannie Mae and Freddie Mac. (Can I get a mortgage after a CCCS program?)

Does debt consolidation hurt your credit?

How Can I Find An FHA Lender With The Lowest Closing Costs?

Find an FHA lender with the lowest closing costs. Start with knowing what closing costs to expect then shop for a FHA licensed mortgage lender or mortgage broker. You may want to speak with a few FHA lenders before you make your final decision. (What is the best FHA loan)

FHA articles

Home Buying Articles

Debt Consolidation Mistakes – Are balance transfers bad?

Are balance transfers bad? Debt Consolidation with credit card balance transfers. Mistakes with balance transfers, hard money loans, and other debt schemes. Consolidating debt with credit card balance transfers effective yes but tricky. Introductory offers, 0% Interest Rate Offers have their price if you make a mistake. If you miss a payment the universal default rate will kick in. (Debt Consolidation Mistakes)

Should I do a balance transfer?

I need debt help

Is Closing Old Credit Card Accounts Bad?

Closing old credit card accounts can hurt more than help your credit scores. Credit scores do not count closed credit card accounts and your debt to limit ratio can be negatively impacted to lower your credit scores. Your best bet is to just cut up the card so the account stays on your credit report. Roughly 15% of your credit score is calculated from you credit history. When you cancel the card, the credit history gets canceled as well. (Should I close my credit card?)

Ask EdGar

How Do I Get Rid Of PMI On My Mortgage?

How to get rid of PMI, Private Mortgage Insurance, on my mortgage is a common question in the mortgage industry. PMI will stay on your mortgage for at least two years, among other conditions. The new rules require that you have at least 22% equity in your home. (How to get rid of PMI)

What Is Consumer Credit Counseling Services - CCCS?

What is Consumer Credit Counseling Services, CCCS? CCCS is counseling services to help consumers get out of credit card and unsecured debt fast. Typically companies are members of national associations that govern their activities and ethics. Be on the look out for debt consolidation companies that are for profit. Some creditors wont work with for profit debt management companies.

What is CCCS?

I want to get out of debt

What Is Debt Settlement?

What is Debt Settlement? Debt settlement is not debt management or CCCS, it is settling collection accounts and charged off creditor accounts. Accounts are typically settled for less than originally owed. You can save yourself up to 60 cents on the dollar in most cases by doing debt negotiation.

Find me a debt negotiator

What is debt settlement?

I Am Self Employed With Tax Write Offs - How To Calculate Income

To qualify for a mortgage how do self employed small business owners with tax writeoff calculate their income? Buying a home while self employed is harder than if used to be if you do not have much money in the bank and you write everything off. You will now have to show income to the mortgage underwriter if you want to buy a home. Lenders have tightened down lending criteria due to the recent mortgage meltdown.

I'm self employed, can I get a mortgage?

Debt Consolidation Program The Best Option?

Debt Consolidation is one option for getting out of debt. What other options are there for paying off your debt and becoming debt free? Options depend on being a home owner or not. If you have equity in your home you may be able to use that to pay off your debts. If you are like many homeowners now, your home may not have much equity with the real estate market down turn. (Does Debt Consolidation Work)

Does Debt Consolidation Work?

What Is Debt Negotiation - Does Debt Negotiation Work?

What is debt negotiation? Does debt negotiation work? Most people never find out because they know little about how to settle and negotiate with collectors. Collectors want to settle to get something versus nothing if you are considering filing a bk, you may want to consider debt negotiation as an alternative to bankruptcy.

What is debt negotiation?

Ameri Dream or Nehamiah - What Is The Difference

What is the difference between Ameri Dream or Nehemiah? Both are down payment assistance programs which allow people to buy homes with little or no money out of their pockets. But there is a minor difference between these two programs. Ameridream will allow you up to a 10% gift while Nehemiah will only allow you to go to 6% of the purchase price as a gift. (What is the difference between Ameridream and Nehemiah)

What is an fha loan?

How do I get free money to buy a home?

India Expands Solar Energy Programs – Energia Solar

India Expands Solar Energy Programs to increase solar energy efficiency, stopping global warming and climate change. India wants reliable abundant source of clean renewable energy. India's energy demands are a threat to climate change. I am glad to see that they are taking on initiatives to help combat the issue of climate change. The issue of climate change is a global one and all nations need to be united in the effort to bring our carbon use to an acceptable level. (India solar energy initiatives)

Global solar energy programs

Solar Panel Systems - About Money Or Personal Principles

Solar Panel Systems can save your electric bill. Save money on your monthly electric bill. Minimize impact on global warming and climate change. It is an ethical decision for many because solar panel systems are expensive. We must work to improve the technology around solar energy. It is abundant and a viable solution to help with our power needs. (solar panels)

What is solar energy

Paneles placas solares

energia solar

Richard Branson Starts Virgin Fuels To Help Stop Climate Change

Richard Branson starts Virgin Fuels to help stop climate change. Virgin Fuels and Branson invest in renewable energy projects to promote and develop a sustainable future. Climate change is here to stay. Richard Branson is committed to making a difference in our world climate. We need more people to step forward to lead the way to a healthy planet. (Who is Richard Branson)

How can I stop global warming

What Is My Carbon Footprint?

If you ask what is my carbon footprint when buying a home, you can get a home that is energy efficient, a home that saves you money, but a blank stare from your real estate agent. Send them this link. If we all worked together to reduce our carbon footprint, we could make a huge difference in our impact on solving global warming. (what can I do to stop global warming)

How to stop global warming

Going Green Is Easy - Committing To It Is Hard

Going green, or reducing your impact on the environment is easy. What is hard is your commitment to it. The only commitment harder might be losing weight, or marriage - it is for life. Going green doesn't mean buying solar panels and going off the grid. You don't even need to have a wind turbine in your front yard either. (information on going green)

How can I go green?

The Top 2008 U.S. Green Cities

The top 2008 U.S. Green Cities provide green spaces, bike lanes, energy conservation initiatives, urban community gardens, green power and buildings. (how green is my city)

How green is my city?

What Is Green Power, Renewable Energy, Alternative Energy, Conventional Power, Bio Fuels?

Green Power and Renewable Energy - best power sources for the environment - little or no global warming unlike conventional power from fossil fuels. We should also be looking at geo thermal, bio fuels, solar energy and wind energy. (How to stop Global Warming)

Alternative Energy Articles

I Drive A Toyota Prius And Am Smug Like On South Park

Drive a Toyota Prius yourself and you'll see that great gas mileage, saving money, easy to drive, a lot of leg room, making a difference for the environment is all great stuff. Even Cartman cannot complain about a Toyota Prius. (Smug Prius Owners)

Am I a smug Prius Owner?

Driving Green - Is There Such A Thing

Driving Green is not about switching to a new alternative fuel car in this article. Review ways to change driving habits to improve gas mileage. I just did a recent driving test on my own. I made two changes, I drove slower and took my foot off the gas when I saw a red light coming. I got an extra 2-3 miles per gallon. (How to get better mileage)

Easy ways to get better gas mileage

Go Green Tips - Energy Efficient Housing Ideas

Energy Efficient Housing Ideas, Go Green Tips, Ways to Save Money are in vogue again. This time around there are some new ideas and new reasons. Believe it or not, putting aluminum foil on your windows is not such a bad idea. It blocks out the sun when it is hot and actually keeps heat from coming through. Aluminum is not a very good conductor of heat. (How do I stop Global Warming)

How can I stop global warming?

Buying Cars and Selling Cars Can Be Hell, What To Look Out For When Shopping For Automobiles Cars Trucks

Buying cars and selling cars are not my ideas of fun things to do. Where Do You Start? Bank repossessed cars for sale, autotrader, or driving around to car dealers? (Buying Cars, Selling Cars)

Buying Cars, Selling Cars Articles

Best Gas Mileage For A Car, Truck Or SUV?

Best Gas Mileage advertising campaigns are still being trumped by Best In Class messages. Why? Americans are driving less and buying more cars - why keep advertising for SUV's with Best in Class gas mileage? (What cars have the best gas mileage)

Buying Cars - Automobiles Cars Trucks

Additional Articles on Cars

Buying An Alternative Fuel Car - Honda Civic GX versus Toyota Prius

Buying an alternative fuel car is a new option for buying cars now. Gone are the days of muscle under the hood, try out - do I want natural gas or electric? (Natural Gas Car)

Natural Gas Honda

Buying Cars - What To Consider When Buying a Used Car

Buying cars can be a little tricky. Things to consider when buying a used car are: car's history, price, and can a mechanic look at it first. A little up front work when buying a car can save you down the road. If you are not comfortable with the car deal, don't do it. (How to buy a used car)

Buying Cars Selling Cars

Property Tax Consultants - 1031 tax deferred exchange explained

1031 Tax Exchange is a great way to defer capital gains taxes on sold real estate investments. There are some rules to follow - learn the basics. (property tax consultants)

What is a 1031?

Fortuna Murcia Property Spain - Real Estate Investing

Real Estate Investing in Fortuna Murcia Spain Property could be a smart thing to do in 2008. Regions in Spain have huge inventories including Fortuna and Murcia. There is an abundance of real estate for sale in Fortuna and Murcia Spain. Now could be a great time to buy in the Spanish Real Estate Market. (Fortuna Murcia Spain Real Estate information)

Fortuna Murcia Article

Property Lanzarote Real Estate Market Getting Better?

Property Lanzarote Real Estate seems to be an appealing place to buy a vacation home to the people of the UK. Get a property there while you can. Buying property now in Lanzarote can be a great investment for the future. Prices wont stay this low forever. Buying property in the Canary Islands in Lanzarote can have its challenges. (What to look out for when buying in Lanzarote)

Lanzarote Real Estate Market Information

How To Do A Short Sale Request

Asking for a short sale request from your mortgage lender is a option for stopping foreclosure. The short sale process takes time and effort, learn more. (Short Sale Process)

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Get me out of Debt

Is a Short Sale An Option To Stop Foreclosure

Use a Short Sale as one option to stop a foreclosure on your home. If you plan to do a short sale start early it take some time to get it approved. Working with you bank can be tricky and it might take awhile. Banks aren't know for their speed in processing a short sale transaction. You must be patient and be willing to play the game with them. (Short Sale Information)

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Get me out of Debt

Common Questions and Answers About the Foreclosure Process and Deficiencies

It is not bad enough that you may have or already have lost your home to a foreclosure process, but you may not be out of the woods yet with deficiency notices and taxes due on forgiven mortgage balances. Here are some common questions... You may be forgiven on the taxes if your foreclosure was on a primary residence but there are some stipulations for this. (More info on Foreclosure Deficiencies)

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Get me out of Debt

FICO Score Factors That Do Not Affect Your Scores

FICO score factors that don't affect your scores are important to know. Know what what to not do to improve your credit scores. (Don't worry about that car dealer pulling your credit.)

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Get me out of Debt

Government Federal Local - What Do I Get From The Bush Economic Plan

Government Federal Local and The Bush Administration has pushed through several economic stimulus plans over the years. Like the previous plans, the US Government gives you money based on your family size so that you spend it on consumer products. Here is the Bush Stimulus plan explained and you will find some ideas about what to do with your money. (The Bush Economic Stimulus checks)

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Get me out of Debt

Low Cost Personal Loans - Tips to Getting the Right One

A great way to establish credit or improve your credit history and scores is to get a personal loan. Remember, not all loans are created equal and you can get yourself into trouble if you do not go about getting one the right way. Learn tips to help you out. Getting the wrong loan can make your life a living hell. (Tips to getting a low cost loan)

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Differences Between Men and Women in Debt and Financial Matters

Do you remember the book Men are from Mars and Women are from Venus? Well, the differences he spoke about in that book exist in the areas of debt and finances. Read more about the differences. (The difference between men and women about money)

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Using the Internet to Manage Your Personal Finances

It is easy to get behind in today's fast paced society. We are pulled from many directions and sometimes our credit and bill paying suffer. What solutions are there? We present one - the internet. (Internet banking may be the best way to keep your money organized)

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Arkadi Kuhlmann of ING Direct Puts the Customer First

A great online bank, ING Direct, is designed to be simple, inexpensive, and deliver great customer service. Its President and CEO, Arkadi Kuhlmann has built the United States' largest internet bank by standing for his belief in fixing a banking system gone bad. ING stands as one of the most solid and prominent banks on the internet today. (More on why ING rules internet banking)

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Why I Love ING Direct USA

Doing business with ING Direct USA is a pleasure for one our freelance writers. Read his story and what he has to say about ING. Arkadi Kulmann is considered to be one of the best ceo's in the world and most people have never heard of him. (click for Full Story)

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Preventing Identity Theft - Things to Watch Our For

Here are some simple steps to identify and prevent identity theft. The key to identity theft protection is to be smart and go with your gut. If something does not feel right, it probably is not. Make a phone call if in doubt. You must be very diligent in protecting your social security number and other financial information. You financial information in the wrong hands could be disastrous. (click for Full Story)

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The Bad News About a Big Tax Return

Sorry to break it to you, you are not alone - getting a big tax return could be costing you more money than you think. Find out why and what to do about it. The best scenario when it comes to tax refunds it to not get one. I would rather have the money in my pocket than the governments. (click for Full Story)

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Got Money To Put Somewhere - The Best and Simplest Places to Put Cash

There are so many things we can do with our money nowadays. Where you put your money depends on what your goals are for it. Get back to the basics. Here are three simple places to put your hard earned cash. (click for Full Story)

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Emergency Fund - What Do I Need To Know?

What happens when you have an emergency and need cash? Can you go to your bank and get quick easy access to your money that you have set aside over the years. If you cannot then this article is for you. Read these simple easy tips and save yourself a lot of headache when it comes to planning for a financial emergency. (click for Full Story)

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Has The Housing Crisis Hit Bottom?

The U.S. Housing Crisis is really bad - that's all we hear in news day in and day out. Foreclosures, too many houses for sale, another mortgage company filing for bankruptcy - when will it all end? To tell, take a look at historical data and compare to what is happening in many markets across the country. Buying in a down market is a great long term move, is it time to buy your dream home? (click for Full Story)

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Why Roth IRA's Totally Rule

Roth IRA's and Traditional IRA's both have their place in individual retirement planning. Hands down, the Roth IRA is the first place to start with your retirement planning. For information on how a Roth IRA could benefit you, (click for Full Story)

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Tax Deductions For A Homeowner - Benefits To Owning A Home Versus Renting

It is typical that if you called me to pre qualify for a new home we would discuss the advantages of owning a home. On the list of discussion topics are tax deductions in the form of mortgage interest paid on the loan. If one considers the tax write offs applied over a 12 month period of time with mortgage payments there can be significant savings over someone who rents. Owning a home can be one of the best tax shelter left. (click for Full Story)

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Tax Deductions for a home buyer - The benefits from buying a home

Buying a home can be a tense time for some folks. It can also be an expensive time. Thanks to the IRS, you can get some of your money back in the form of tax deductions for some of your expenses. The tax benefits of buying a home. (click for Full Story)

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How to teach your kids about spending and saving money, credit, retirement and taxes

If you have kids, or have had them, one of the toughest things to teach them about in my opinion is money. We as human beings get really funny about money, how much we make, how much we spend, how much we owe. I think that if we start young with our kids in teaching them about money we can save ourselves as parents in the future. Teaching you kids about money (click for Full Story)

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The Lowdown on Capital Gains Taxes

It is easy to see what is so attractive about “timing” the stock market -- buying stocks, bonds, or funds after an atypically awful week on Wall Street, then turning them around a few weeks later when the inevitable rebound takes place. The market has its somewhat predictable ups and downs, and anyone with half a brain knows when it’s been taking a beating, right? A tricky little item that many young and first-time investors have no idea about, though, is the pitfall of capita ... Most real estate investors don't plan on the impact of capital gains taxes when doing their real estate investing. (click for Full Story)

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Past Due IRS Taxes - Offer In Compromise

Find out about an Internal Revenue Service Offer In Compromise. Great program, but few get approved. Make sure you have a very strong case before you pay someone to help you. Offer in compromise programs do work. You need to be ready for a long process. Bottom line is an offer in compromise can save you thousands of dollars. (click for Full Story)

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Tax Season Again - 7 Tips to Avoid Mistakes and Save You Time

After the New Year, we in the US, turn our heads to the tax season. Do not make mistakes, they could cost you a lot of money and time. Accountants, CPA's, tax preparers, and every taxpayer are all busy to either file their taxes on time or to file an extension. Follow these tips to keeping out of trouble. (click for Full Story)

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Filing For An Extension On Your Federal Income Tax Is Easy With Form 4868

Tax day, or April 15th has come and gone and your taxes are not complete. Need extra time, file an extension now. Find out more about the process in this article. Just because you didn't file by April 15th doesn't mean that you are in trouble with the IRS. For information on how to stay on track with the IRS (click for Full Story)

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Use Mediation to Solve Your Real Estate Disputes

Resolving disputes in court can take years. In real estate disputes, taking years to settle differences on your house might not be a favorable or even valid option at all. Mediation is a make sense alternative to going to court and it is binding like going to court. Mediation is much cheaper than going to court. (click for Full Story)

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Use a Home Staging Company To Sell Your House

Looking to sell your home for top dollar and quickly? "Staging" is the way to go. Your idea of what looks like nice in your home is not what a potential home buyer thinks looks nice in your home, ahh their home... Staging presents your home in a neutral and attractive way to the widest range of potential home buyers. In theory, "staging" isn't hard or costly, but in reality, many homeowners find it difficult because it's often hard to see something objectively when we lov ... Staging your home will add thousands to your bottom line when selling your. Staging your home is definitely worth the time. (click for Full Story)

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How To Sell Your Home Quickly In Arizona

Selling your home in today's Arizona real estate market does take some work. But with proper planning, working with a seasoned real estate agent, giving some additional buyer incentives, and sticking to your plan you can sell your home and get most of what you want for it. (click for Full Story)

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A Perspective of The 2008 Arizona and General Real Estate Markets

If you listen to the media, selling your home might seem like a big mistake as compared to selling a few short years ago. Here are some predictions about the market in Arizona and in general and a few suggestions that you might use to sell your home faster. (click for Full Story)

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How Important is Marketing in Real Estate?

With the real estate and mortgage industries in a down market, if you are looking to sell your home, you will need to set yourself apart to be seen. Being seen can get your property sold. (click for Full Story)

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Selling Your Home In This Market? Tips to Help it Sell Faster

Talk about a competitive buyer's market for selling your home. It does take some work to get your home ready to sell and to keep it in ready condition. Follow these tips to set yourself apart. (click for Full Story)

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How Do I Market Real Estate On The Internet

Marketing real estate listings on the internet has been going on for years now. Yet there are still quite a few people who simply do not know how to use the Internet to sell properties. This article gets you started... (click for Full Story)

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When is the right time to buy a home?

Since January 2007, this has been the question on so many individuals' minds. I have heard real estate agents answer this question by giving specific months in the future that they predicted would be the month to buy. (click for Full Story)

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I Want To Buy A House But I Don’t Have Any Money!

You are renting, do not have any money and you want to buy a home. Sounds great, and you should check out buying a home! One of the first steps to wealth is owning your own home. Check out FHA Purchase Home Loans. (click for Full Story)

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To get your incentive you have to use your builder's mortgage company - Beware!

Builder Closing Cost Incentives...Are they worth it? Builders all across the country have their own mortgage companies, or they work specifically with a particular mortgage company. Using a builder's mortgage company can be easy in terms of paperwork from the builder to the mortgage company, but it might not be the best situation for you as a consumer. (click for Full Story)

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I heard my company has an Employee Housing Assistance Program

Employers are searching for ways to compete and succeed in today’s fast moving marketplace. Employer Assisted Housing programs from Fannie Mae are a benefit that many companies are now considering. EAH plans are gaining momentum because they make an employer have a more desirable place for an employee to work and are great as a recruiting tool. (click for Full Story)

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Give Up The Escalade and Starbucks to Buy a Home

If you are looking to qualify for a mortgage - there's two things to check that could make a significant impact on whether you qualify for a mortgage or not. Evaluate your car payment and evaluate how you spend your money on a daily basis. (click for Full Story)

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I'm relocating - Relocation tips - Get Pre Qualified

Congratulations! Your new job starts in two months and you need to relocate across the country. Relocation is a big deal so planning from the very beginning will make a huge difference in a smooth and worry free move. Find some tips in the article that might save you some hassles down the road. (click for Full Story)

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Realtors in even more danger of less business and mortgage brokers under fire - again!

Congress does not get it. They have to punish someone for the misfortunes of some bad mortgage lending practices that were allowed to go on from the largest mortgage lending banks in the US. Now these very banks are counseling Congress on a new law, HR 3915 which will significantly hurt the way consumers buy homes in the US. (click for Full Story)

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Your First Step - Get Pre Qualified for a Home Loan Before You Shop With a Realtor

Getting all dressed up for the dance and having your date not show up can be really upsetting. So can finding the dream home only to find out after your sales contract that you do not qualify to buy it. Start with your finances first, then you will know what you are capable of purchasing and can set your eyes on the right properties. (click for Full Story)

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Finding the Ideal Home Builder - 5 Tips for Success

Finding the ideal new home takes some time and work. Buying a new home from a home builder with the many choices on the market can lead to even more time and energy. With so many choices, how do you know if you are doing the "right" thing. Here are some tips to assist your home buying journey. (click for Full Story)

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I Want To Buy A Home - Important Factors When Considering Making An Offer

Before making an offer on a home, no matter who is selling it, make sure you protect yourself with several different inspections. Find out which type and more in this article. (click for Full Story)

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Buying A Home in a Declining Market – When Should I Buy?

Buying a home in today's market can be tricky business. Depending on your reasons for purchasing, you may or may not want to buy during the times when the market declines. (click for Full Story)

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Bank of America Junk mail wont stop, shame on B of A

My project for the last 3 years has been to try and get junk mail from b of a to stop coming to my mail box. I have been on the phone for hours and have spoken with dozens of people with no avail. My last contact assured me that there would be no more. He was very confident. I actually went into my branch as a last resort. Well he failed. I don't think it will ever stop. I have an idea that will really piss them off. Please stay tuned for more details.

Work With a Real Estate Agent – Should I? Yes!

This article is part of a series of articles about working with a real estate agent to buy a home. There many benefits and reasons to work with an agent.

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Work With a Real Estate Agent – Shop With Your Feelings

Once you have picked an agent to work with, you will want to start looking at home getting a feel for what you want. At this stage, let your feelings and emotions tell you what homes go on your "see again" list. (click for Full Story)

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Real Estate Purchase Agreement - Making an Offer in a Buyer's Market

With the current buyer's market reality in the real estate world, purchase offers still need to be carefully crafted to get the seller to take your offer. They may be desperate, but not stupid - remember it is still their home. (click for Full Story)

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Buying A Home That Is A Rental - Tips To Think About

Buying a home that has been a rental or is currently a rental can be a great opportunity, but you will need to take some extra care to make sure the home is up to par. Here a few tips to think about before you put in a sales offer. (click for Full Story)

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Where To Shop For a Home - Tips and Ideas

Get Pre Approved first, then shop for a home. There are so many places to shop for homes; almost too many. In this article you will find some suggestions on where to shop. (click for Full Story)

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In this market, some sellers may lie to get their home sold

Let's face it, human beings lie about stuff. When we need to get something to bounce our way we might sometimes add to the truth a little or not quite tell the whole truth. With today's real estate market and the U.S. economy so sketchy, you might not get the whole truth about a home you are looking to buy... (click for Full Story)

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Has The Arizona Real Estate Market Hit Bottom?

There is compelling signs in the Arizona Real Estate Market that point to it hitting bottom. Review the past and how we got here and what signs are pointing up. (click for Full Story)

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I Want To Hire A Real Estate Agent - What Do I Ask Them?

How do you ever know what real estate agent is the right one for you? Where do you start when you are trying to select and agent to work with. Here are some suggestions for questions that you may ask to get you started on finding an agent who is best for you. (click for Full Story)

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What Are The Benefits of Using a Debt Settlement Company to Get Out of Debt

Being in debt is no fun. Have debt in collection is even worse. Especially if you are getting calls from debt collectors and your credit card collection departments. Debt settlement is one option for getting out of debt and there are certain advantages of it. (click for Full Story)

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What is The Difference Between Debt Settlement and Consumer Credit Counseling?

Debt Settlement and Consumer Credit Counseling are both effective ways to get you out of debt. However, one requires that your credit still be good, while the other works best when your credit already in the outhouse. (click for Full Story)

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How Do Debt Settlement Companies Make Their Money?

Debt settlement companies need to make money too. Afterall, you have not paid your bills and now you are hiring them to negotiate your collection and charged off credit card accounts. They should be paid for their services. Part of their compensation is based on what they save you. (click for Full Story)

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How Do I Know When I Should Choose Debt Settlement?

The phone keeps ringing and you know who it is - the bill collector. Is it bugging you yet? Have you missed important phone calls because you have been screening your calls? What else have you been doing? Here are some more signs that point to hiring a debt settlement company to help. (click for Full Story)

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The scoop on FHA loans, are they right for you?

FHA loans are great loans for first time homebuyers who have little money, or have limited credit established. While great for qualifying certain types of home buyers, they have some features that make them hard to use. (click for Full Story)

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FHA Home Loans: How to Qualify

Following the Mortgage Meltdown of 2007, FHA loans have become extremely popular for first time home buyers, and many move up buyers. Find out how to qualify for a FHA loan to help you save time and money both important during the home buying process. (click for Full Story)

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FHA Refinance Programs

FHA loans are great not only for first time home buyers, but for regular refinancing and streamline financing too. There are many ways to refinance your FHA once you have one. Each of these ways is designed to give you incredible flexibility and cost savings when it comes time to refinance. (click for Full Story)

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What is FHA Secure and How Do I Qualify?

The FHA Secure Loan Program was launched in the fall of 2007 in an attempt by the U.S. Government to ease the increase number of foreclosures in the U.S. housing market. Although it is a good option for some folks, unfortunately it will not help enough people to improve the housing market. (click for Full Story)

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What Are The Benefits of A FHA Home Loan?

FHA Home Loans are a great alternative loan program for people who have less than perfect credit or lower credit scores. Find out the benefits of a FHA loan. (click for Full Story)

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What Is AmeriDream?

AmeriDream is a down payment gift program that is essential to buying a home if you do not have money for a down payment or closing costs. In 2008, the only way to purchase a home without any money is using FHA. But FHA... (click for Full Story)

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What happens to my credit scores if I shop around for a mortgage?

If you are shopping for a mortgage or a car you can let more than one company get your credit report. Credit scoring systems allow for you to shop around to get the best deal. (click for Full Story)

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What Do They Mean By Debt Ratio And LTV?

First off, please allow me to apologize to you for the mortgage and real estate professionals of America. Why am I apologizing? I am apologizing for our assumption that you know what we’re talking about when we’re discussing loan information with you. As a result of not explaining things, many home buyers are left without the full story when it comes to their mortgage. (click for Full Story)

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I Want to Buy a Home, But Where Do I Start?

So you’re gonna’ buy a house. There are quite a few mortgage programs that allow for different ranges in credit history. The better your credit, the better the loan. Get started on a better loan program today. (click for Full Story)

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When is my mortgage payment due?

Mortgage payments are typically due at the beginning of the month. But is this really when they are due? Many folks forget about the grace period from the first of the month to the 15th. (click for Full Story)

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Are you a first time homebuyer? This is my experience.

Okay, buying a home is a big deal. No matter whether you are buying your first home, or your 10th home, there is a lot to deal with. This article talks about my experience buying my first home. (click for Full Story)

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A First Time Homebuyer Mistake - Making Major Financial Purchases Before Settlement

Being a first time home buyer is very exciting. Do not make changes in your financial situation after you apply until you get your mortgage. (click for Full Story)

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Credit Scores and Buying a Home - Changes On The Way

Knowing your credit scores is key to buying a home. Your credit scores will greatly impact the loan programs you qualify for and the interest rates you get. Pay attention now to your scores to keep them up as Fico Scoring method changes are on the way. (click for Full Story)

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Cheapest Interest Rates - Lowest Fees - Not Always The Best Mortgage

Promises of the lowest interest rates or fees or the best loan programs are common in mortgage advertising. While it is possible to get a great deal for your mortgage lender, make sure you look at all of your paperwork for some of this article's warnings. (click for Full Story)

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What Questions To Ask When Shopping For A Loan Officer

Many of the problems in the mortgage and real estate industry are a result of inexperienced loan officers selling products that they had no knowledge of to people who had never had a mortgage before. Make sure you shop for your loan officer as much as you shop for the best interest rate. (click for Full Story)

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FHA Loans – The Best Mortgage For First Time Home Buyers

FHA Mortgage programs are back! Well they never went away, it is just that not many mortgage companies were using them because there were so many other programs that competed with FHA that these loans had decreased in popularity. Learn more about these great mortgages in this article. (click for Full Story)

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Are Interest Only Loans Bad?

In my six years in the mortgage business, I have often encountered potential borrowers who are afraid of interest only loans. In a society built on fear, this does not surprise me. To alleviate the fear, let’s start with the basics. With a traditionally amortized loan, the borrower makes a principal and interest payment each month. (click for Full Story)

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Low Interest Rate Mortgage - 1% - Is This Possible?

If you have watched TV over the past few years, you probably have seen advertisements offering mortgage rates as low as 1%. You may have seen advertising that showed a mortgage amount for example of $200,000 with a monthly payment of $750. Is this loan possible? (click for Full Story)

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Interest Only, ARM, Fixed Rate - Which loan program is right for me?

Let’s start with you imagining being on the phone with me and I ask you, “do you know what kind of loan do you want?” Your respond with: “Well, I don’t want an interest only loan.” I ask, “Okay, why not?” (click for Full Story)

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Reverse Mortgages - The Mystery Revealed - The loan for senior citizens

Reverse mortgages are back. If you are a senior citizen with equity in your home, and you need some extra cash to maintain your well deserved quality of life, the reverse mortgage might be for you. For those sons and daughters out there of senior parents who might qualify for this loan, do not fear, there will still be equity left in the home and your parents will not lose their home at the end of the loan. (click for Full Story)

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What is a Green Mortgage?

Green mortgages are real, but their impact is still unknown. This article discusses what green mortgages are and what is available today in 2008. (click for Full Story)

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