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27 Tips For An Effective Presentation
So you’re not a professional speaker. That’s no excuse for NOT giving a professional presentation.
You have a great product or service! You’ve put together an awesome presentation with great content!
You really know your stuff! You’re an...
Are You FINALLY Ready to Stop Failing Online?
How many of your online ventures have failed? One? Two? 50? Every single day the walking wounded of the Internet contact me to report on the number of times they've tried something online, only to fail -- again. There are, of course, lots of...
How to Create Multiple Revenue Streams for your Home Business
For a first time business owner, the Internet is like a treasure island…it can be a great adventure exploring new ways to make money. Sure, setting up a website can be great fun but if you want your online business to make you money, you’d have to...
How To Decrease Profits Without Really Trying
Hurting your sales efforts can be accomplished easily with the proper guidance. The following effective yet simple ideas are designed to generate results when implemented into your sales strategy.
• Don’t listen to what your clients are...
Manufacturing Software System E-Z-MRP Announces New Pricing and Product Structure
E-Z-MRP, the leading manufacturing software system for small manufacturers, announces that a new pricing and product structure is in effect as of April 15. According to Rocky Smolin, founder of Beach Access Software, makers of E-Z-MRP, “We see a...
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Tips on Getting Your Mortgage Loan Approved
What is important to lenders?
Not every applicant is approved for a home loan the first time he or she applies. For a variety of reasons, even after a lot of hard work, sometimes a loan just can’t be approved. It may have to do with the applicant’s credit or savings history, employment stability, debt structure, or the value of the home. The good news is that a denial is merely a detour, not a roadblock. Purchasing a home takes planning, discipline and hard work! Follow these tips and with our assistance, homeownership is not out of reach.
Establish a consistent record of paying bills on time.
Before making a loan the size of a home loan, most lenders will want to review how you have handled your credit in the past. This includes all credit accounts, including utilities, revolving debt (credit cards, etc.), and installment debt (car loans, student loans, etc.). It is critical for you to bring all overdue bills up to date immediately and begin paying them on time in a consistent manner.
Establish a consistent record of steady employment.
Lenders are more likely to look favorably on an applicant who has been in the same (or similar) line of work for generally two or more years. If you have been working steadily for less than two or more years, expect the lender to ask why. There are many acceptable reasons, including:
* You recently finished school, vocational training, or left the
military;
* Your work is typically seasonal and gaps in employment are customary to the industry
* You may have been laid off from your job; or
* Frequent employment changes are normal in your line of work (sales, contract work, etc.), but you have been consistently employed and maintained a consistent level of income over the past 2 years.
You may want to pay off some debt to lower your debt-to-income ratio.
This step will make it easier to qualify for a mortgage loan if your debt ratio is high. Chances are good that if you’re already paying rent, making a mortgage payment will be a smooth transition. Along with the mortgage payment, you’re also responsible for real estate taxes and insurance, and if required, mortgage insurance and homeowners dues. Work with us to determine the monthly payment you can afford based on your income and the standard debt-to-income ratio guidelines.
Establish a consistent savings pattern.
Saving money for a down payment, and still having enough reserves left over to cover two months of expenses in the event of an emergency, is typically the most challenging part o
About the Author
Chris Rocks is a Mortgage Consultant specializing in helping First Time Home Buyers. Firsthometips.com, designed by Chris Rocks, is intended to make the process less complicated and less stressful.
WebSite: http://www.firsthometips.com
Email: chris@firsthometips.com
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