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Debt Consolidation Services - 3 Things To Watch Out For With Debt Consolidation Companies
Debt consolidation services can provide a valuable service by
lowering your interest rate with creditors, enabling you to pay
off your unsecured loans and bills in a short period. However,
there are companies that would rather take your money...
Franchise Opportunity - 5 Questions to Ask About The Franchise
Franchising has become one of the most important and effective
business growth strategies in the past quarter century. Although
franchise system development dates back centuries to the times
when monarchs awarded territories to tax...
Maximize Profits By Pricing Your Home Right!
Setting a price is probably THE most important decision you will make when selling your house. A solid pricing strategy will sell your house quickly and for the most money possible. The following will help you get set the RIGHT price: 1. Know...
Negotiating the Purchase of Your Home
Negotiating a successful real estate contract requires
communication skills and the ability to create a environment of
cooperation. Many of our real estate clients have been very
experienced negotiators, and from them we have learned that...
Preparing Your Home for Sale: Make Needed Repairs
Before a buyer considers your home seriously, it must meet his
needs in a variety of ways. It must be a suitable commuting
distance, neighborhood, design style, floorplan, size, number of
bedrooms, etc. If all or most of these needs are met, the...
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100% Financing Or No Down Payment & Bad Credit Mortgage Loans
Sub-prime lenders now offer financing packages with zero down.
Interest rates are higher on these types of loans, but they make
purchasing a house easier. And unlike a conventional loan, there
is no private mortgage insurance required. There are two types
of zero-down mortgage packages, each with their own requirements.
Types Of Zero-Down Loans
100% financing, as it names implies, offers complete financing
of your property. The other option, 80/20, finances your
mortgage with two loans. Both loans may be carried by your
lender, but sometimes the seller or a second lender is required
to carry the 20% mortgage.
100% financing is easier to deal with, but not all lenders will
offer this type of home loan. 80/20 financing is more common,
but takes some negotiation if the seller is involved.
Qualifications For Zero-Down
Each lender has their own criteria for determining who will
qualify for a zero-down loan. Most sub-prime lenders require any
bankruptcies or foreclosures to have been at least twelve months
ago. A conventional loan requires these to be discharged two to
four years ago.
While a credit score of 600 or higher is best, large cash
reserves can also qualify you. Six to twelve month's worth
of
cash reserves in the form of savings, money market, or other
liquid assets are considered ideal.
If you choose 80/20 financing with the seller carrying the
second mortgage, you can qualify with sub-prime lenders with a
score of 560.
Zero-Down Sub-prime Lenders
You can find zero-down sub-prime mortgages with both
conventional and niche sub-prime lenders. Make sure that you
request quotes from as many mortgage lenders has possible to be
sure you find the lowest rate and best terms.
You will also want to decide what type of mortgage you want. An
ARM is easier to qualify for and has lower rates. A fixed rate
mortgage offers the security of a constant interest rate over
the life of your loan.
Typically an ARM will be a better deal if you plan to refinance
within a couple of years. After you have improved your credit
history, you can refinance for a conventional mortgage with low
interest rates.
About the author:
See my recommended companies for
Bad Credit Mortgage Loans. Carrie Reeder is the owner of ABC
Loan Guide, which offers help with loans for people with bad
credit.
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| Negotiation - Wikipedia, the free encyclopedia |
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| The Negotiation Skills Company, Inc. |
| www.negotiationskills.com/ - 3k - Cached - Similar pages |
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| Global Trade Negotiations Home Page |
| The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
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| Principled Negotiation |
| Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ... |
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| Salary Negotiation and Job Offer Tutorial |
| Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
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| Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
| Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
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| Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
| This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
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| negotiation journal |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
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| Apache Content Negotiation |
| Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
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| JobStar--Salary Negotiation Strategies |
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| Negotiation Articles |
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| PON Clearinghouse |
| Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
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