You want to get into real estate - either for your personal use or for investment purposes - but you just don’t have the cash to get started? What are you going to do?



There is at least one technique that virtually anyone can use as long as the property seller is willing to negotiate with you. To be fair, not every seller will be interested (or even understand) the concept outlined. Your best bet is to find a property that the owner has great interest in selling, whether because of moving, divorce or frustration (more…)

There is a reason that some of the most successful real estate investors, including Donald Trump, use the lease option technique (ok, there are actually several reasons!).

Appreciation: One of the typical advantages of controlling (more…)

So why is everyone making such a big hoopla about doing lease options?

No Money Down Deals

One of the many reasons that lease options are so popular, is the possibility of creating a No, or Low Down payment to purchase the home. This is done by working (more…)

Buying property is expensive under the best conditions. Even if you don’t outlay a huge wad of cash initially, you’re signing up for a substantial financial commitment. For those intending to occupy the property, at least for a while, there are additional expenses - moving, storage possibly, and often tax consequences.

So, here are some suggestions about how to conserve your cash, while getting the best rate possible on that (more…)

The eighty-twenty rule, for decades, was the only method to purchase a home. That meant that you would make a twenty percent down payment, and borrow the other eighty percent with a mortgage loan. Certainly, there have been plenty of purchasers who made an even greater percentage down payment, but twenty percent was regarded as the bare minimum. Luckily for you and me, times are different now. Nowadays you can go as low as zero percent down, and in some instances it’s possible to get money back at closing.

At present, there are at the least a dozen or more ways to finance a home purchase, (more…)

There are a variety of loans available to consumers who wish to buy a home. Out of this variety there are two major choices that most consumers will choose from. These choices are the interest only loans and the traditional loans. What’s the difference? Let’s look at these a little more closely.

An interest only loan is not a type of mortgage. This is only an option that can be attached to a mortgage. Although the interest only loans are not less costly to amortize, more than 31% of all homes in the U.S. have been (more…)

Home ownership has long been a major part of the American Dream. Yet for many Americans, the skyrocketing price of real estate makes it impossible for them to save enough money to qualify for an adequate mortgage let alone buying a home outright. That’s why the federal housing administration of the united states department of housing and urban development has a loan insurance option that allows first-time (more…)

Home loan fraud is not an item of the past, but it is still costing people their homes, if not more today than ever. Home loan fraud has been on the rise since the 1990’s despite the most recent federal disclosure laws. Take into consideration these two examples of home loan fraud that occurs when lenders misrepresent themselves or the terms of a loan to trick homeowners into default.

Bill is a 75-year-old widower who receives a notice that he is about (more…)

Have you heard that commercial about interest-only mortgages…the one where youre told about what a wonderful benefit it is to have a low, low mortgage payment and all the wonderful tax write-offs you will receive?



Before you decide to buy now and pay later, that is pay big time later, take a moment to enlighten yourself a bit more about these so-called interest only mortgages. Think about it for a moment. If you just pay the interest on your home, will you ever start paying on principal and (more…)

Managing the loads of normal life while simultaneously paying a mortgage loan can be difficult. Many financial unknowns will occur over the ten to thirty or more years it will take to pay of your mortgage, so it will help you tremendously to have as much facts and data as conceivable before you apply. One of the fiscal choices you must inform yourself with reference to and look at is purchasing discount points to reduce the interest percentage rate of your mortgage.

Essentially, discount points are charges you give to (more…)