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Buying Property In Spain
You have made the decision to move to Spain and are now looking for a property to buy? Where do you start?
Firstly, I would suggest you go on to the internet and look at the various agents that are offering properties for sale in Spain. Many of...
Choosing a House Plan for Your Dream Home
First things first, when choosing a house plan you must first find the land that you will be building on. Not all designs will look right or even fit on certain lots, so in order to insure that your dream home will be a good fit for your lot,...
Choosing Your REALTOR ®
With so many realtors competing for your business, how do you know which one to choose? Here are a few things to consider when choosing a realtor.
The most important decision you will make in the sale of your home is the Realtor you choose.
...
Real Estate Marketing -- How Strong Is Your Offer?
Many real estate agents are taught to market themselves in watered-down fashion. They're taught to spend a lot of money sending postcards to their farm area with a message no stronger than "I sell homes ... can I help you sell yours?"
Then these...
Where Are All the Good Contractors!!
Have you ever had a bad experience with a contractor (ex. painter, roofer, plumber, landscaper, carpenter etc.)? Did problems such as these occur: contractor showing up late or not at all; poor workmanship and work ethics; missed deadlines? Have you...
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An Ideal Way To Purchase Your New Home Without Strict Banking Regulations
You've searched high and low around town looking for that special home for you and your family. Everyone agrees that "this is the one"! Your down payment for the home is large enough, but you know your credit is terrible, or worse, practically non-existent.
It is a given that banks tend to lend money to people who a) have enough cash that they don't need a loan; b) possess good to very good credit.
Another nightmare with having bad credit is the closing costs. On conventional loans designed for individuals with credit problems, closing costs can be considerably higher. The higher interest rate will also cause the monthly payment to increase.
In addition, the percentage of the down payment needed towards the real estate cost will also increase. The required down payment for credit-impaired applicants can easily be 10% to over 20% in some cases.
Based on a $100,000 home, this could easily equal $10,000 to $20,000 in down payment towards the real estate cost-not including closing costs.
Some of you reading this might be thinking aloud, "Yeah, that's just how the system is, right"? Not much can be done about my bad credit.
Although the "system" appears to be working against you, you can still get the dream home you desire.
Fortunately, there are little, but very effective techniques being used by people to establish AAA credit, wipe out debts, and proceed to get the house they want. All in the same time period.
A good idea would be to start with your credit. If you have non-existent credit, you can apply for (and receive) credit cards that will build up your credit score. These credit card
companies report to the major credit bureaus that you've been paying your credit card bills each month.
During this time, you can look for funding programs that would be willing to listen to your situation. They want to help you obtain the funding to purchase that new home you want.
Such funding programs like to work with the seller exclusively, (For Sale By Owner). No bank red tape or real estate agents to turn you down for financing. It's just you, the funders, and the seller.
There are programs out there that can help you, but you must be very careful when choosing one for you and your family. Look for programs that are legal in all 50 states, qualified professionals in their field, and will offer you one-on-one consultations.
In conclusion, you and your family can still receive the American Dream. Just taking these steps outlined above can get you there quicker than you ever thought possible.
About the Author: David M. Rolle' is a Funding Program Franchise Owner.
I am on a personal mission to help provide financing
for those who can't obtain it through the banking system.
For information on funding and to claim your
free special reports, e-mail david@inyourhometoday.com
with R.E. Article in "Subject" line.
This article is copyright (c) 2005 by David M. Rolle' and is
available for reprint in your ezine, website or ebook at
david@inyourhometoday.com.
You MUST agree not to make any changes
to the article and the RESOURCE BOX MUST be included.
Source: www.isnare.com
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