Articles by Kate Ford
- Innovative Mortgage Payment Protection Insurance
Mortgage payment protection insurance is a new solution for those who want to buy a house but are afraid of losing a job or getting laid off. The fact is many people know that now is the ideal time for buying a house but are simply afraid of the current economic instability. Builders are leading the pack with this innovative solution to inject confidence back into home buying. Published 17Jun2009, viewed 102 times
- Mortgage Home Calculator - How To Knock Decades Off Your Loan
Here's why a mortgage home calculator should actually be called an amortization calculator. Amortization is simply a way of reducing a mortgage debt through monthly payments of principal and interest. By the time this article concludes, you will have discovered how to put amortization to work for you and learn how to save more than $100,000. Published 14Jun2009, viewed 189 times
- Joe The Homeowner Buys Straw Hats And Prevents Another Mortgage Debacle
Today's gloom over the mortgage debacle has lengthened skirt hems. Extreme optimism has turned into extreme pessimism. Where did all of the Financial Flappers go with their mini skirts? They are running around pointing the finger at Joe. But I say, Joe don't allow the fear that accompanies current doom and gloom to dominate your thoughts. In fact, I have a proposal for you, Joe. Buy straw hats in the Fall. Published 17May2009, viewed 122 times
- Who Offered Joe The Home Buyer That Mortgage Loan Approval Anyway
In light of the ease with which Joe received loan approval, there is a lingering attitude I find very disturbing. Now don't think I am advocating for Joe The Homeowner to become a victim. Because in the end, no one is responsible for Joe but Joe! But here's a peek into what the mortgage investors were offering to enable qualification. Published 13May2009, viewed 137 times
- Why Mini Skirts And Buying A House Go Hand In Hand For Joe The Renter
Silently, house keys slide across a table. After the home buyer hesitantly asks, "Just like that?" a reassuring voice answers, "Yes, buying a house is just THAT easy." Well, buying a house may have been that easy but how about affording the mortgage? Discover what blew traditional lending practices out of the water and charted a new destiny for America. It's all about the mini skirt. Published 06May2009, viewed 92 times
- How To Get More Real Estate Marketing Leads
While everyone in real estate is focusing on internet marketing to generate real estate leads, flyers seem like an outdated method. Paperless is the way to go! Or is it? Hold that thought until you read this article. Then you can be the judge. Published 02May2009, viewed 85 times
- The Excitement Of Mortgage Freedom
what if your home mortgage did not enslave you? Instead, how would it feel to be more in control of your financial destiny. That's why an amortization schedule is the key to your mortgage freedom. Get excited! It's your mortgage after all. Published 16Apr2009, viewed 127 times
- Real Estate Agents And Mortgage Brokers - The Truth About Building Your Business - Learn This Secret
Here is my secret for real estate agents and mortgage brokers caught in cyclical markets. Please read carefully. To build a business that will survive no matter how moody the economy, there is one decision you can make to alter the course of your business forever. You can learn how to thrive in spite of the recession. Published 11Apr2009, viewed 129 times
- Mortgage Modification Program - Can You Do It Yourself
Are you a candidate for a mortgage modification program? Ask yourself these easy 5 questions to find out. Then discover the difference between paying thousands of dollars to a loan modification service or doing it yourself. Above all remember what I say. It is your home and your mortgage. No one cares more about it than you. Published 03Apr2009, viewed 145 times
- Stimulus Spurs Inflation - Protect Yourself By Buying A Home
Here is my prediction. Five years from now, homes will be worth more than they are today and daily mortgage rates will be higher also. During our lifetime, there will never be a better opportunity than now for buying a home and securing such low mortgage lending rates. Published 21Mar2009, viewed 202 times
- Pay A Professional Home Inspector - Avoid This Big Mistake When Buying A House
Why should you pay for a home inspection? Recently I read about a couple buying their first home. They decided against hiring a home inspector even though their real estate agent advised them otherwise. They saved a few bucks not paying a professional home inspector but ended up spending thousands of dollars on repairs. Published 02Feb2009, viewed 115 times
- 6 Practical Steps To Determine If An FHA Loan Refinance Is Right For You
Do you know the FHA loan refinance is similar to applying for other mortgages except qualifying standards are easier and protections superior. Here are 6 practical steps the Federal Housing Administration recommends you take to determine if FHA mortgage loans are right for you. Published 28Jan2009, viewed 276 times
- Take 9 Easy Steps To Pay Off Your House Fast
Here are 9 steps to pay off your house. Don't panic. If you have never performed this exercise before, it might make you feel a little anxious. But don't worry. You can start with as little as $15. Published 20Jan2009, viewed 725 times
- Who Wants To Pay Off A Mortgage Fast - The 30 Year Fixed Rate Alternative
Here is how to pay off a home fast. Few homeowners experience the dream of eliminating a mortgage by amortization. I have a solution! The 15 year fixed rate mortgage means amortization actually works in your favor to prepare for retirement. Published 19Jan2009, viewed 352 times
- The Secret To A Successful Mortgage Rate Refinance
Know what you want from your home mortgage refinance before contacting a lender. A broker already understands you want the best deal. After all, who would ask for the mediocre interest rate of the day. Now here's the catch. If you don't know what you want, how will you know the questions to ask? Here is the secret to a successful mortgage rate refinance. Published 13Jan2009, viewed 189 times
- Buying A House - 12 Ways To Signal Your Real Estate Agent
Your friends are buying a house. You've probably heard them routinely complain how their real estate agent doesn't do enough for them. But if they understood how to signal their agent, it would be easy to to benefit from her expertise. Here are 12 signals to send a real estate agent. Published 05Jan2009, viewed 139 times
- Why Your Refinance Could Cost Thousands Without Asking This Question
Evaluating a refinance is difficult for most homeowners. So when borrowers don't end up with the interest rates quoted over the phone, they often feel they have been misled. Discover the refinancing secret to saving thousands of dollars, the most important question to ask a mortgage lender. Published 22Dec2008, viewed 470 times
- How To Get The Best Deal On A House - Choosing A Real Estate Agent
Everybody wants a deal when buying a house. And why not? For most people it is the biggest purchase of their life. But buyer beware! There is another bargain you need to find before you shop for a house. Published 17Dec2008, viewed 114 times
- Buying A House - How To Use The HUD Home Buying Scorecard
Buying a house is all about comparison. In order to compare homes it is wise to have a system. Most likely, you have narrowed down your search to homes similar in price. Now you need this additional criteria other than price to avoid confusion. Good luck and happy home shopping. Published 17Dec2008, viewed 368 times
- The Biggest Mistake Home Buyers Make When Previewing Houses - Not Being Prepared
Avoid a big mistake the next time you are buying a house. Relying alone on your gut feeling can often be misleading. Learn how to prepare a home buyer checklist and keep your search for the perfect house on track. Published 30Nov2008, viewed 181 times
- The 3rd Tax Advantage To Buying A House - Tax Free Borrowing
Buying a house provides serious tax shelter advantages. Expenses related to home ownership can be tax deductible. An additional advantage to owning a home is the tax-free sale. The next benefit you can enjoy is the ability to borrow tax-free against home equity without having to sell your house. Home ownership should be a priority of every personal financial plan. Published 24Nov2008, viewed 281 times
- Buying A House -- What You Should Know About Government Tax Incentives
Buying a house is probably the biggest purchase you will ever make and largest tax shelter you will ever enjoy. Imagine what it would be like when it came time to sell your house if the money wouldn't have to be designated by the government for any purpose. Well, it doesn't. It is yours to keep and use at your discretion. Published 18Nov2008, viewed 328 times
- Decision Time For Buying A House - Vintage Or New Construction
It's time for buying a house. Let's compare new home buying with purchasing a resale. When it comes to older versus newer, taste is the all-important qualifier. The easiest way to decide is to get out and compare. Once you look around, who knows. You may surprise yourself. Published 10Nov2008, viewed 147 times
- Your House A Tax Shelter
Buying a home is probably the single most important purchase you will ever make. Although some expenses do no qualify for deductions on your tax return, there are costs of home ownership that are tax deductible. One way to look these deductions is simply that the U.S. Government is helping you pay your mortgage and property taxes. Published 03Nov2008, viewed 182 times
- How Willing Home Buyers And Sellers Create Market Value
How much is a house worth? Value is defined by the amount paid by a willing buyer to a willing seller. Learn how to decide the list price of your house as a seller and how much to offer for a house as a buyer. Last but not least, never make or accept a quick offer based solely on excitement. Do your homework in advance. Published 27Oct2008, viewed 275 times
- Do Schools Add Value To Homes
Whether or not you have children, nearby schools are an important consideration during home shopping. So, how do you find out about schools? Learn how to research the quality of schools and where to find the best critics. Published 18Oct2008, viewed 159 times
- Buy A House In The Neighborhood You Love
All together, Americans live many varied lifestyles. So it is important to examine your preferences when buying a home. Beside issues like being near to work and school, there are other important reasons to decide where you want to live. Ask yourself this question before you decide on a location. Do I feel at home here? If you do and it meets your major lifestyle requirements, you have found a great place to live. Published 13Oct2008, viewed 148 times
- How To Buy A Home That You Actually Like
Often the most difficult part of buying a house is knowing where to begin. Focus on deciding your housing needs before you begin your search. Then build a wish list too. Both checklists are important. Above all, decide you are going to have fun while buying a home. Published 06Oct2008, viewed 159 times
- Do You Want A Real Estate Agent Who Will Hustle
Finding the right real estate agent can significantly decrease your stress levels. Take responsibility by seeking advice from people you like and feel you can trust. Because when it comes to buying or refinancing a home, it is your house and your mortgage and no one is going to care about it more than you. Published 29Sep2008, viewed 266 times
- Special Alert! The Worst Mistake To Determining FHA Maximum Loan
FHA mortgage loans are taking off according to National Mortgage News Online. There is a trend developing and there's a good reason why. FHA home loans allow lenders to offer mortgage products with low down payments that a lending institution might not otherwise offer. Published 22Sep2008, viewed 224 times
- Learn Why Buying a House is Better Than Renting
Owning a home is the core of the American Dream. Ultimately, having a place that we call our own makes us happy. Isn't home ownership what our forefathers meant when they wrote in the constitution that we have the right to life, liberty, and the pursuit of happiness. Published 16Sep2008, viewed 307 times
- Successful Home Buying Ideas
Discover how to begin the process of home buying. Learn to pinpoint what you are really looking for when buying a house and the two most important people in your quest. Above all, remember to have fun! Published 08Sep2008, viewed 242 times
- Buying A House - Why It Makes America Great
When buying a house, the basics begin with desire. That's because owning a home is part of the American Dream. Fortunately that dream is attainable for most families. Discover 7 steps to transforming desire into the reality of home ownership. Published 03Sep2008, viewed 238 times
- Millions Have Been Helped - FHA Home Loan Program
Imagine it is 1934. The United States is in the depth of the Depression. Out of every ten households, only four own their own homes.In 1934, the federal government created the most successful government program in history, the Federal Housing Administration, also known as FHA. The purpose still today - to revive the dream of homeownership. Published 26Aug2008, viewed 328 times
- Special Report! US Government Wants You To Buy A House
Wouldn't it be amazing if the US Government wanted to help you buy a house. Well, it does. Discover why the government is offering first time home buyers an amazing incentive to buy a home. Learn four reasons why this may be the best time ever to enter the home buying market. Published 17Aug2008, viewed 443 times
- Greenspan Says Housing Nowhere Near Bottom - Could That Mean It's Time To Buy
Everyone knows the housing market is in the dumps. For sellers that hurts. For buyers it could be an ideal time to get serious about buying a house. But here is the question. When is the right time to buy? Those who follow the 5 simple steps outlined below will be prepared to buy a home when the time is right. Published 11Aug2008, viewed 179 times
- 8 Effective Principles To Searching For The Best Lender
Searching for a mortgage lender has changed. Discover 8 effective steps to shopping for your best mortgage lender. Find useful tips for using the internet to compare lenders online. Most importantly, learn how to protect your credit during the search process. Published 05Aug2008, viewed 184 times
- Three Insider Secrets To Getting Low Mortgage Payments
Learn three critical insider refinance secrets to getting low mortgage payments. Understand how important it is to be able to explain in one sentence the purpose of your refinance. Feel confident knowing you are prepared with the proper details before contacting a lender. Ask questions in order to find the lender that best fits you. Published 30Jul2008, viewed 309 times
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