PDXLoan.com

Video Newsletter for Jan 18, 2008

EdB — Fri, 18 Jan 2008 20:00:00 +0000

Visit websites at:

Mortgage Express Loan Application
My site on MMA
My info on Mortgage Accelerator Loans

Free Think & Grow Rich Audiobook by Napoleon Hill

EdB — Tue, 23 Jan 2007 01:27:00 +0000

Hi there,

Ed here again, just wanting to let people know about a free audiobook resource available for download. It's considered a classic masterpiece in the motivational and inspirational books of all time and although written in the 1920's the information and topic is timeless and can be applied to creating a successful business and life for anyone.

Here's a link to my website where you can have the MP3's for free. Visit Think & Grow Rich Download for your copy.

Thanks!

Ed Bisquera

New landing page for Flexible Mortgage Account info

EdB — Tue, 23 Jan 2007 01:21:00 +0000

From PDXLoan.com.

Hi, Ed Bisquera here to announce I've changed and update a few of the pages at my website recently.

Here's links to check out:
Movie about The Home Ownership Accelerator: Movie click here
Calculator to determine and simulate time to pay off mortgage: Calculator

Also a new landing page for people interested in The Home Ownership Accelerator Product at the link above.

Call me or email me for more information. Thanks!

Ed

How Real Estate Fortunes Can Be Made With Preforeclosures

EdB — Wed, 15 Mar 2006 05:39:00 +0000

Preforeclosures: How Real Estate Fortunes Are Made
--By Jeffrey Ringold © All rights reserved.

Preforeclosure

What is preforeclosure? Preforeclosure is the time period from which the bank gives notice of default, once the homeowner is approximately 90 days late in payments, to the time the house sells at auction. Preforeclosure is also the most crucial time in the foreclosure process. It is during this period that you as an investor stand to make the largest profits and can literally make thousands of dollars in months, weeks, days, or even hours!

The key to preforeclosure houses is equity. Simply put, equity is the difference between what a house will sell for (fair market value) and what is owed on the house. The whole concept to making money with preforeclosures is to buy a house for less than fair market valuing, thus immediately creating equity for yourself.

Here is an example of how this can work. Let’s say someone owns a house with a fair market value of $200,000. Now let’s assume that this homeowner has lived in the house for several years. If you consider that the property has most likely increased in value over time, while at the same time the homeowner has been paying down the mortgage on a monthly basis, it is fair to assume they owe less than $200,000 on the property.

For this example let’s assume that the homeowner owes $160,000. This means there is $40,000 in equity in the house. As an investor, you would want to buy the house for $160,000 or slightly higher. If you can do this, you have a shot at making $40,000.

I know what you are thinking. Why would they sell the house for $40,000 under the market value? Right? Here is one reason why. If they sell the house to you, you can promise them a quick closing, thus stopping the foreclosure (losing the house at auction).

This will prevent a foreclosure from going on the homeowner’s credit record. A foreclosure can stay on someone’s credit for seven to ten years making it next to impossible to get another mortgage in the future. This is just one of many reasons.

So let’s say they sell the house to you for $160,000. You can turn around and put the house back on the market for the $200,000 that it is worth. Once the home sells, you could put a whopping $40,000 in your pocket. Sounds pretty nice, huh? The best thing is there are ways to make similar deals with little or no money! An that is an example of how you can make money with preforeclosure houses.

In order to buy preforeclosure houses you first need preforeclosure leads. This is how you are going to get your leads. You are going to implement a powerful direct marketing campaign soliciting those who are in preforeclosure. How do you learn where to start looking?

One of the most valuable sources for preforeclosure leads is mortgage brokers. Almost everyone knows a mortgage broker. Maybe your brother is a mortgage broker. Maybe a good friend is a mortgage broker.

If you don’t know anyone in the mortgage business, network a little bit. I am confident you will be introduced to someone in the mortgage field that can help you.

If not, that is OK too! You will just have to do a little more legwork. Go through the yellow pages and look for mortgage companies. Start calling around and introducing yourself. See if you can talk to the manager. If not ask to speak to a loan officer.

Ask them if they have someone in particular that handles foreclosure financing. They may or may not. Often times in mortgage companies, they will receive large volumes of calls from distressed homeowners.

These are homeowners who are trying everything to stop foreclosure. Most of the time, it is too late for the mortgage company to help the homeowner because their credit is already shot. At this point the mortgage company may refer them to what is sometimes call a hard money lender. A hard money lender is a lender that specializes in high risk loans. Often times, they are private investors.

This is where you come in. These leads are invaluable. They are homeowners that are exhausting their last options to save their home. What you do is have the mortgage company start to refer these deals to you. If you can get the names and phone numbers of these homeowners, you can contact them directly. More importantly, you can contact them when they are open to listening and expecting your call. If the mortgage representative that can’t help them gives a high recommendation of you to the homeowner, they will be excited to hear from you.

About The Author:
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Jeffrey Ringold is the author of ‘How To Build A Massive Fortune Through Real Estate Foreclosures’. He is a licensed real estate agent and investor who has bought or sold over $12 million in real estate over his 7 year career. He is consulted by leading real estate developers and investors almost daily.

For more information on real estate investing and foreclosures, visit his web site at: www.MassiveForeclosureProfits.com
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Understanding How To Build Massive Wealth With Real Estate Foreclosures

EdB — Wed, 15 Mar 2006 05:32:00 +0000

'How To Build Massive Wealth In Real Estate Foreclosures' - Understanding Foreclosures
--By Jeffrey Ringold © All rights reserved.

Defining Foreclosure and How it Occurs

According to The American Heritage dictionary, foreclose is defined as: 1. To deprive (a mortgagor) of the right to redeem mortgaged property, as when he has failed in his payments. Foreclosure is defined as: 1. The act of foreclosing, especially a legal proceeding by which a mortgage is foreclosed.

In layman’s terms foreclosure is when a borrower fails to make payments on his or her house and the bank takes action to protect their loan. How does foreclosure happen?

When someone buys a home they generally finance the purchase. In other words, they borrow money.

There are two parties involved in this transaction. There is a lender, also called the mortgagee and there is a borrower, also called the mortgagor. The lender loans the borrower money to purchase their home and, in turn, the borrower gives the lender a promissory note to repay the borrowed sum of money.

Now, the next step is the lender has to protect their loan amount, so they use the house as collateral.

The mortgage becomes what is called a lien on the property. That house can’t be sold with clear title until that lien is paid off. The promissory note is a promise that the borrower will pay the lender back in a timely fashion and as stipulated in the note.

Note: Some states use what are called Trust Deeds as opposed to a mortgage. This newsletter is focusing on properties with a mortgage as the lien.

When a borrower does not adhere to the terms of the agreement, meaning they don’t make their payments, the lender starts the foreclosure process in order to recoup their money. Typically, a borrower must be 90 days behind in order for the lender to the start the foreclosure process.

This means the borrower has not made payments in approximately three months. The borrower is said to be in arrears at this point. They owe the lender the 3 months of payments plus interest. The lender, under the terms of the original agreement, has the right to call the balance of the loan due immediately.

This starts the foreclosure process. If the borrower does not pay the lender the money, the house will go to public auction and will be sold to the highest bidder.

About The Author:
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Jeffrey Ringold is the author of ‘How To Build A Massive Fortune Through Real Estate Foreclosures’. He is a licensed real estate agent and investor who has bought or sold over $12 million in real estate over his 7 year career. He is consulted by leading real estate developers and investors almost daily.

For more information on real estate investing and foreclosures, visit his web site at: www.MassiveForeclosureProfits.com
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Are Public or Sheriff's Auctions Right for You To Start Real Estate Investing?

EdB — Wed, 15 Mar 2006 05:01:00 +0000

Real Estate Investing: Are Sheriff’s Auctions Right For You?
By Jeffrey Ringold © 2004. All rights reserved.

Public Auction or Sheriff’s Auction

Public Auctions or Sheriff’s Auctions are not for the novice real estate investor. Generally they are the most risky time to purchase foreclosed property. This is not to say that they can’t be an overwhelming profit center. There is no doubt that auctions can yield major returns.

What happens at an auction is generally very similar in all states. Some states will auction the property in a courtroom and others will literally auction the property on the courthouse steps.

At an auction there will typically be a referee who handles the bidding. Most likely there will be a representative from the bank that is foreclosing, and there will be some investors present, and others just interested in what is happening.

The bidding at an auction will start at whatever is owed to the bank, plus legal fees. Like preforeclosures, auctions are a good time to buy property at below market value. Buying below market value will give you equity. I have seen properties sell for half price at auctions!

You can find great deals at auctions, but there are also many pitfalls, particularly for novice investors. One major obstacle with auctions is you generally need to pay cash, on the spot, for the property. This alone eliminates 95% of people from buying at auction.

Another drawback to auctions is that the homeowner is given a redemption period. Typically, the redemption period is six to twelve months. From the time the house sells at auction, the homeowner has the right to buy it back for what it sold for plus interest. This means you could buy a house at auction and might have to sell it back to the original owner during the redemption period. Additionally, if the homeowner does not move out at the end of the redemption period, it becomes your responsibility to remove the tenant through the eviction process.

Public auctions are very easy to find. Just call your local county assessor’s office and ask whom you need to speak to regarding sheriff’s auctions.

About The Author:
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Jeffrey Ringold is the author of ‘How To Build A Massive Fortune Through Real Estate Foreclosures’. He is a licensed real estate agent and investor who has bought or sold over $12 million in real estate over his 7 year career. He is consulted by leading real estate developers and investors almost daily.

For more information on real estate investing and foreclosures, visit his web site at: www.MassiveForeclosureProfits.com
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What to do to sell a home in 30 days or less: One thing would be is to consider calling a lawyer

EdB — Tue, 14 Mar 2006 18:03:00 +0000

Article summary:

When you sell your own home you need to be prepared. Make an appointment with your lawyer so they can prepare you for any legal pitfalls you may be facing at closing time. Sorting these issues out before you sell can ensure a smooth transaction at the most critical of times down the road.

Calling a Lawyer Should Be a Private Home Sellers First Move
by Richard Embro-Pantalony

You are selling your own home because you think you’re up to the task, that it can’t be that difficult? You’re right of course; however you want to make sure you abide by some basic common sense guidelines to help ensure your success. It’s not all about putting a sign on the lawn and an advert in the paper.

Your first step should be calling a lawyer. If you don’t have one you will need to find one. A good bet is to get a referral from friends or family. A lawyer at this stage of your sale will give you all the legal information you need to enter into the sale with a confidence that would be lacking otherwise. Your lawyer can do a title search on your home to make sure it’s free of encumbrances that may only turn up on closing i.e. an encroachment. Do you have an up to date survey? These can be deal killers at the last minute you want to avoid. You’ll need a search done anyway to close your sale.

Lawyers can also advise you on any new by-laws or regulations you should be aware of for your home and area. Every jurisdiction seems to have rules that need to be followed when preparing an offer to purchase form. A lawyer can make sure these special clauses are written into your offer to purchase form. Have your lawyer provide you with copies of the offer to purchase in hard copy format and also on disk so you can print them off your home PC when needed. Ask your lawyer how he would prefer to see your offer set up.

Ask your lawyer to give you any information you will need to make the closing of your sale timely and without any surprises. If there is anything that will hold up or quash your deal you want advance notice so you can take care of the problem now. Count on being charged for your lawyers’ services but it’s the old adage pay me now or pay me later.

Ask your lawyer to give you some insight into your mortgage situation. He can give you details and options based on your current loan that perhaps will help your sale. At the very least the lawyer can give you questions to ask at your lending institution i.e. is your mortgage assumable? If the interest rate and terms are attractive the purchaser may want to assume your current mortgage. All good stuff to know in advance of your sale. Likewise your mortgage may need to be removed so the purchaser can arrange their own financing. What are the ramifications with this, will it be expensive to remove?

When you recruit a real estate agent to help you sell your home, the good ones know all this information in advance. Any information they don’t have that can create problems generally surfaces at closing thanks to the lawyers. Your agent acts in your best interests along with your lawyer to sort out these problems at closing and many issues are usually dealt with to either parties’ satisfaction one way or another.

Not having an agent working for you means your chances of having a problem sometime during the process of trading your real estate is a real probability. The best way to mitigate your chances of potential headaches is to spend the money up front for a legal professional to sort through the landmines before you step on one and your deal disintegrates at the worst possible time. You’ll be investing a great deal of time selling your home. Make sure you are prepared. It is fairly simple to sell your own home. Closing that sale cleanly is another matter entirely.

Richard Embro-Pantalony is the President of realestatemate and author of "How to Sell Your Home Like a Pro". He offers expert advice on selling your home privately and saving agent fees'

For a copy of a free report on how to sell your home yourself in 30 days or less, visit Home Sold In 30 Days without an agent

What Every Yellow Pages Advertiser Needs to Know BEFORE SPENDING A DIME!

EdB — Tue, 14 Mar 2006 17:36:00 +0000

3 Things Every Yellow Pages Advertiser Needs to Know.

By Alan Saltz
_______________________________________________________________________

Most business owners and marketers know that Yellow Pages advertising has an incredible amount of potential... but they don’t know how to take advantage of it.

Fortunately, it's a mystery that's solved pretty easily once an advertiser knows where to turn for advice. There are fundamental truths about Yellow Page advertising that so many businesses fail to recognize, but once they do they find themselves "on top of" a medium with an incredible amount of business generating power.

It's a medium, that handled correctly, will generate new business month after month like clockwork. That said... let's try to understand it a bit better, shall we?

1. Common Yellow Page advertising mistakes are simple to fix.

Very simple. You don't have to be a graphic designer or marketing expert to drastically improve your ad either - you just need to know your customers.

You see, most Yellow Page ads make the very same mistakes... year after year... directory after directory... category after category. Some of the ads I see from professional design firms are riddled with the same mistakes too... the ad only looks nicer.

That won't cut it in the Yellow Pages.

While a professionally designed ad can certainly help grab attention, there is no substitute for ad content (read: words) if your goal is to generate a phone call. And when it comes to Yellow Pages advertising, that's all that really matters.
By learning what makes a good headline, good body copy, and how to develop a strong offer your Yellow Pages ad will run circles around an ad that just "looks great," but makes the same mistakes most others are making.

An example? Using your name and logo as the headline. It's disastrous and yet more advertisers do it than not. No one cares what you call yourself until they've decided to pick up the phone and actually call you. Your company name does not win you business.

So if your name and logo is at the top of your ad... if it's big and bold and takes up space... if it takes the place of an attention grabbing, hard-hitting headline... you've made a big mistake.

Of course, like most common mistakes, it's a pretty easy mistake to fix. (No design skills necessary, right?) You just need to know what makes a good headline. That's beyond the scope of this article, but you'll find a website at the end that will pick up where this leaves off.

First, here's fundamental truth number 2...

2. Most Yellow Page ads are developed by the directory publisher.

That's right - the directory itself develops most of the ads you see. What happens if they design your ad and 4 of your competitors' ads? Can you expect your Yellow Page ad to receive more time and attention than another? Can you expect it to be any better or stand out more?

When it comes to Yellow Pages advertising, those that know how to set themselves apart from the pack fare well. Nice design might get you noticed, but it often doesn't earn the phone call.

Good ad copy, on the other hand, grabs attention like a magnet and doesn't let it go.

Don't just hand the reins to someone else and let them develop your ad for you. Learn what it takes to generate response and play a role in developing that winning ad for your business.

Because no one knows what makes your customers "tick" like you do. A graphic designer knows graphic design,not plumbing, dentistry, appliance sales, or whatever it is that you do.

3. Yellow Pages Advertising is different from just about EVERY other medium you use.

You might want to re-read that.

Yellow Pages advertising is different because people see your ad when they are ready to buy.

A newspaper ad? That's a distraction. People are reading to get the news.

This is a huge difference! Almost every Yellow Page ad I see takes the approach: "This is who I am and this is what I offer."

Guess what - that's dead wrong!

All that matters in Yellow Page advertising are "the reasons someone should choose you over your competition." Telling them what you offer, the brands you carry, and your business name does little good. They know what you offer. They're looking at your ad because their tooth hurts and they turned to the Dentist category. Focus on "why, withall of these options, they should choose you!"

Your prospects are a skeptical bunch. Make contacting you and giving your business a shot a risk-free, value-filled, proposition for them - when done correctly this will give any business a tremendous
edge over the competition.

Care to learn a little more?

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Alan Saltz, the author, teaches Yellow Pages Advertisers how to boost their response and return on investment, using simple, but extremely effective techniques. His website offers unbiased Yellow Pages Advertising advice and tricks that anyone can implement.

For more information visit:

www.YellowPagesProfit.com

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Yellow Advertising Secrets

EdB — Tue, 14 Mar 2006 17:00:00 +0000

Is Your Yellow Pages Advertising Putting Cash in Your Pocket, Or Sucking Cash Out?

by Alan Saltz

________________________________________________________________

Any idea?

It’s a question that more than a few Yellow Page advertisers ponder. If you're currently spending money every month to run an ad in your local directory, you don’t want to wrestle with that question. You want to know that your investment is generating a consistent flow of new clients to your business.

So what can you do to maximize returns and stop worrying?

First of all, know this—Yellow Pages Advertising has incredible potential. As a business owner, you have few other ways to reach prospects who are as targeted, and ready to buy as these. But naturally… your success depends on the quality of your ad. And when it comes to ad content, far too many advertisers are quite simply… lost.

“The red-hot commodity of the Information Age?
Why that would be the Yellow Pages… It’s like
shooting fish in a barrel.”
Fortune July, 2003

There are few places to turn. It makes for an unpleasant situation for the honest businessperson trying to harness the tremendous potential of such a perfectly targeted medium. And so, most advertisers rely on the Yellow Pages design department, who, as it turns out, develop most of the ads in their directory.

It’s hard to differentiate your company if that’s the case, don’t you think?

While many advertisers fail to develop an ad that draws a strong response, that doesn't mean it's difficult to do. In fact, because of the mistakes that “riddle” just about every subject heading, there's an amazing opportunity for the business owner that does his homework. If you’re reading this article, you’re doing your homework.

“How come we still have the Yellow Pages?
They Work. You don’t go to the Yellow Pages and look
up pizza unless you’re planning to order pizza.”
Fortune July, 2003

What Yellow Page success boils down to is ad content. Not color. Not professional design.

Sure, those things matter too; but they are nowhere near as important as the words you use to fill your ad. People turning to the Yellow Pages have already determined that they need you. They just need to know whether they should call company A, B, or C.

Their choice doesn’t depend so much on color or design, as it depends on what you offer that your competitors don’t -- the policies you hold yourself to that give consumers faith in you and your business -- they way you build credibility, and actually give a prospect insight into "how" you do business.

Here is a point you need to understand… Listing the brand names you carry and the “laundry list” of products or services you offer don’t build credibility. They don’t set you apart from your competitors who offer the same thing!

Plenty of other things do. And chances are you embrace those policies and those hassle, and risk removing motivators already. You probably do quite a bit for your clients that make their lives easier, more lucrative, more pleasant, and so on. You probably have credibility boosters that you’ve never considered including.

And that is because you may not realize the power they have in motivating an eager prospect to act. Iron-clad guarantees… customer testimonials… rock-solid offers for new customers… a headline that goes well beyond your logo and company name; these are things that work wonders in a targeted, ready-to-buy medium such as the Yellow Pages.

When your competitors focus on the same "laundry-list" of products and services offered - they only appear like AN option. Use the copy points I talk about above, and you show your prospects why you're A GOOD option.

There's a huge difference.

That’s what the Yellow Pages are all about, right... showing an eager prospect why they should call you instead of one of your competitors.

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For more information visit:

http://www.YellowPagesProfit.com

Lola, our puppy...her first music video!

EdB — Tue, 07 Mar 2006 07:18:00 +0000

This is a little music video shot of new puppy Lola. She is a long-haired Chihuahua (sp?) and will probably not get any bigger than you see her now. I thought I'd share our new little puppy with everyone. She's a cute little dog...

Enjoy!

Ed
PDXLoan.com

Podcasting Unleashed

EdB — Sun, 05 Mar 2006 23:43:00 +0000

View RSS feed

Courtesy of PDXLoan.com

New Podcasts on Real Estate & Mortgage News

EdB — Sun, 05 Mar 2006 23:23:00 +0000

View RSS feed

Courtesy of PDXLoan.com

New Podcasts on Mortgage Refinance News

EdB — Sun, 05 Mar 2006 23:21:00 +0000

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Courtesy of PDXLoan.com

How to finance your child's college expenses - stress free!

EdB — Mon, 13 Feb 2006 04:33:00 +0000

Finance Your Child’s Education – Stress Free by DJ Nelson -

In 2002, the average annual cost for a public university was $9,338. It is estimated that by 2017, the average annual cost will be $19,413. And that’s just for tuition and credit fees. Let’s not forget about room and board, books, food, clothes and extra activities.

With those figures it mind, it would be wise to start planning for your child’s education today.

You already know about loans and scholarships but those aren’t the only options. You don’t have to go into debt! There are several choices to help you prepare for your child’s future.

529 Plans

A 529 or qualified tuition program is a (federal) tax-free investment plan that allows families to save for their childrens college educations.

Each state has its own 529 plan and you do not have to be a resident of a particular state to invest in that state's plan.

The 2 types of plans include:

Prepaid Tuition Plans – These plans allow you to pay for your child’s in-state tuition at today’s prices. These accounts are low-risk and they are guaranteed to match or exceed in-state inflation. However, these plans are often limited to state residents and the cost may not be covered if your child decides to attend an in-state private university.

Education Savings Accounts- Or college savings plans are investment accounts whose value fluctuates with the market. They can be used at eligible public and private universities- there are no residency requirements. Additionally, some plans have high contribution limits per beneficiary and you can contribute up to $11,000 per year without paying a gift tax.

Savings Accounts

Even if your child only has a few years until it’s time to go to college, it’s never too late to begin saving. Determine where you can cut costs and put that money into a high-interest savings account.

For example, instead of buying 2 video games as a birthday present, buy one and put the extra money into a savings account. What about Christmas and Hanukkah? Sure, it’s fun to open presents but I guarantee that the novelty of those gifts will soon be forgotten and later on your child will thank you for making sure that their education was financed in a stress-free way.

Here is a tip: look for a FDIC insured bank that is based online. These banks offer higher interest rates because they don’t have the operating overhead of having branches. The work the same way as a regular bank except that there is no physical branch. You deposit money through your current checking account and receive monthly statements either via email or through the mail.

DJ Nelson wants to help you jumpstart your child’s future. Open a savings account today. Visit KidsSavingsAccounts.com to open a high-interest, no- minimum savings account in under 5 minutes.

How a second mortgage can be a helpful step to getting out of debt

EdB — Thu, 09 Feb 2006 18:32:00 +0000

Many homeowners are taking out second mortgages to get needed cash. Even borrowers with bad credit can come out ahead by using their home equity wisely. Using a home equity line of credit is a fundamental part of The Mortgage Eliminator from Money Principal Group. Here's an article that describes how a second mortgage is a good first step to getting out of debt.

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Second Mortgage a Good First Step by Mike Hamel (from ArticleDashboard)

A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in “second position” on a property that already has a mortgage. There are fixed-rate loans, adjustable-rate loans and home equity lines of credit (also known as HELOCs). Fixed-dollar-amount mortgages are the way to go when you need all the money at once. A HELOC is a credit line that can be drawn upon as needed up to the limit of the loan.

“Bad Credit” Second Mortgages

Your right to credit is guaranteed by the Equal Credit Opportunity Act. You can’t be denied credit based on race, gender, marital status or ethnicity. But how much money you can borrow and how much interest you will be charged will depend on your credit score.

Credit is easy to get and hard to control. Not using it properly will get you a low FICO score from the three major credit bureaus. Generally, a score of 680 or better signifies good credit. Scores in the 680-620 range are still considered good, but will cause creditors to take a second look before lending you money. 620 and lower, and you are in the bad credit range.

Here are some indications that you are in bad credit territory:

- You have to apply for new credit cards to pay off old ones, thus rotating but not retiring your debt.

- You can only make the minimum payments on your loans and cards each month.

- You are at the limit on all your cards and accounts.

- You have to get subprime financing when you need to borrow money.

Improving Your Financial Situation

It’s a catch 22 that getting a bad credit second mortgage can lower your FICO score initially, but it can also help raise it in the long run—if you use the money to pay off high interest debts. This new loan doesn’t reduce your debt; it just restructures it to help you get back on your feet financially. An added bonus is that the interest you pay is tax deductible. The IRS says joint filers can deduct all the interest to a maximum of $100,000 on home mortgages.

It’s easy to shop and compare bad credit second mortgages online at reputable sites like www.badcreditsecondmortgages.com/. The no-obligation application process is quick and confidential. Interest rates are still relatively low, but might rise in 2006, so now is a great time to see if a second mortgage is a good financial move for you.

Mike Hamel is the author of several books and the Senior Writer for AIM Techs (www.salesandmarketingllc.com), an Internet marketing company that specializes in improving visitor-to-sale conversions using proprietary software and advanced SEM techniques.

Article on zero/no money down home loans

EdB — Thu, 09 Feb 2006 18:18:00 +0000

Zero Down Home Financing - No Money Down Mortgage Loans by Carrie Reeder

Zero down home financing helps you buy a house with little out of pocket expense. Instead of depositing $60,000 to $20,000 to get in your home, the most you will pay are closing costs of a few thousands. No money down can also help you buy a vacation home without completely depleting your investments.

When To Pick A No Money Down Mortgage

A no money down mortgage is a viable option for many people. For one, you can get into a house for about the cost of rent. You can hold onto your cash for moving expenses rather than a large down payment. For those looking to buy a vacation home, zero down helps you keep your assets liquid, not needlessly tying them up in a property.

Choosing Your Zero Down Mortgage Loan

Zero down mortgage loans come with two different terms. The most common zero down mortgage finances just 100% of the home’s price. All closing costs and application fees are still required.

The other zero down mortgage includes fees with the loan up to 3% or 5%. Since the principal is over the home’s value, these types of loans are harder to qualify for. In most cases, you need an excellent credit score and cash reserves.

Skipping PMI With No Money Down

One of the hurdles of a no money down home loan is the additional cost of private mortgage insurance (PMI). Most conventional loans require you to carry this insurance until you reach 20% equity either through appreciation or payments on the loan’s principal.

You can avoid this expense by piggy backing your loans. By taking out two mortgages, one for 80% and the other for 20%, you don’t have to pay premiums. The same lender can carry both loans, or you can choose different lenders.

Finding The Right Lender

To find a lender who offers zero down financing, start by asking for loan quotes for no money down mortgages. With most online sites, you will get a response in minutes on rates and terms. If you have trouble qualifying with a conventional lender, turn to a subprime lender. They offer more creative terms.

View our recommended Home Mortgage Lenders or view all of our Recommended Bad Credit Lenders.

How to understand credit scoring and how it affects your mortgage loan

EdB — Thu, 09 Feb 2006 08:54:00 +0000

Understanding Credit Scoring On Mortgage Refinancing or Second Mortgage Loans. by Chris France

For years, lenders have utilized "credit scoring" to determine whether or not an individual is a good credit risk. Credit scoring has recently become a hot topic, due in large part by the mortgage lending industry's willingness to use the process to evaluate one's likelihood of repaying home mortgage refinancing or second mortgage loans. Even insurance companies use credit scoring as part of their underwriting procedure when writing automobile and home insurance coverage.

Credit scoring is a system, based on a statistical program, which awards points for certain factors that help predict who is most likely to repay a debt, such as a mortgage refinancing or second mortgage loan. The total number of points, or score, is what lenders use to determine an individual's creditworthiness. A large random sample of customers is taken, and analyzed statistically to identify characteristics relating to credit risk. These factors are then given a weight based upon how strong a predictor they are of who would be a good credit risk.

Credit scoring models do vary from lender to lender, but most generally include the following factors:

1) Your current amount of debt as compared to your potential total available credit.

2) Payment history on current and previous accounts.

3) The length of your credit history.

4) The number of credit inquiries (each time a creditor pulls credit in response to your application).

5) The number of separate open accounts.

6) Collection actions including judgments, repossessions, foreclosures, and bankruptcies

Using the statistical program, lenders compare this information about you to the credit performance of other consumers with similar profiles. Therefore, it is usually more reliable than a subjective or judgmental decision, because it is based on real data and statistics. Although it may seem somewhat impersonal, when used properly, credit scoring can allow creditors to evaluate credit applications faster and more accurately than individuals, in an impartial and unbiased manner.

In addition, the home mortgage refinancing and second mortgage loan process has been shortened as a result of the speed in which mortgage lenders can now make decisions utilizing the credit score model.

For more information, please contact your favorite mortgage professional:
PDXLoan.com

Get a pre-approval for a home loan BEFORE you search for and buy a house...

EdB — Thu, 09 Feb 2006 08:49:00 +0000

Before You Buy Why Get Pre-approved? by Mark Courage

OK. You’ve made the decision. You’re ready to buy a house. Great! You’ve got that dream home pictured in your head. Now all you have to do is find a Realtor, make your offer and move in. Right? Wrong.

Your first step should be to find a trustworthy mortgage professional. But that’s not the fun part, you may say. Why start with a mortgage professional? In a nutshell, this can save money, time and increase your bargaining power.

Your mortgage broker is going to be able to tell you first if you can qualify to purchase a home at all. Second, if you are in the running for purchasing, he or she can tell you how much home you can qualify for. Think about it. Do you and your Realtor want to run around for a month or two worth of weekends, finally find your dream home, just to find out that you cannot afford it?! That’s a lot of time, and time is money (or at least a lot of wasted weekends). Wouldn’t it be better up front to know what you can and cannot buy, zero in on that, and achieve that wonderful feeling of success? Of course.

Well, you may have already thought of all that. However, did you realize that the seller of your dream home may give you preferential treatment if you’re pre-approved? The seller has a life too and time lines like the rest of us. They want deals that are going to work. They don’t want their home under contract, just to have the deal fall through because the buyer cannot qualify! So, let’s say you make a bid on a house and another party makes a bid at the same time for the same amount. The other bidder is pre-approved, you aren’t. Which bid should they accept? Obvious. Another scenario, let’s say you (not pre-approved) make a bid and another bidder bids slighter lower but is pre-approved. Which bid would you accept?

And one last matter to cover, there are different levels of pre-approvals. The lowest level might be called pre-qualification and this involves the mortgage professional taking your information (income, expenses, etc.), putting it all together and letting you know how much home you can qualify for based on the numbers you provide. Another level of pre-approval is for the mortgage professional to run the loan through automated underwriting (getting more technical, here) to get an approval provided that all your info can be verified. The highest level would be running the loan through a lender and actually doing all the verifications. Obviously, the higher level of pre-approval gives you more to stand on and carries the most weight when bidding on a home. In any case, your mortgage professional should provide you with a letter stating on what level you are pre-approved.

Hopefully by now the picture is clear, call that mortgage professional BEFORE starting your house search. And maybe, just maybe, the process might even be fun.

IS IT REFINANCE TIME?

EdB — Thu, 09 Feb 2006 08:38:00 +0000

Is It ReFi Time?

Millions of people are taking advantage of the current opportunity to refinance the mortgage on their homes. Rising home prices combined with falling interest rates have motivated people to convert their accumulated home equity into expendable funds. This frequently works to their immediate advantage, giving them a considerably lower interest rate and lower monthly mortgage payments.

Homeowners can choose either to spend or save the portion of their incomes that are no longer being spent on mortgage payments.

When Should You Refinance?

In some cases, when refinancing, it helps to borrow more than is needed to pay off the earlier mortgage. This gives you the equity from your home, plus extra funds to cover the transaction costs of refinancing. People use the funds for a variety of purposes: to make home improvements, to repay older debts, or to buy goods, services or assets they couldn't otherwise afford.

How much can you save by refinancing? This depends on several factors relating to your present mortgage situation. If your new interest rate is low, it can result in substantial savings, perhaps even thousands of dollars. And when rates rise, having refinanced from a variable rate loan to a conventional loan, you can stand to gain substantially.

Some Benefits Of Refinancing

Refinance a home mortgage is a big decision and should be approached with careful consideration of the potential costs and benefits. Clearly, when interest rates on mortgages fall below the rate on your existing loan, it's time to consider refinancing. This is the time to evaluate your potential after-tax savings from lower monthly payments, and compare it with the after-tax expenses of refinancing. These expenses include mortgage fees or points, application fees and appraisal fees. As the loan is repaid, the savings from your lower interest payments begin to accumulate. The savings due to refinancing must be discounted at the present rate and compared with the transaction or closing costs.

If you're considering refinancing your home, you need to evaluate your current interest rate. If your new interest rate would be more than 5/8% lower than your current interest rate, it is well worth refinancing. But if you want to keep your closing costs as low as possible, see that your new interest rate is at least 1% lower.

Why Refinance?

Most people who refinance do so to save money, but there are other reasons to do so. If you refinance your existing loan at a lower rate of interest, you can end up with a lower monthly mortgage payment. This can save you funds in the long run.

Debt Consolidation

In many cases, you can clear all your outstanding debts and replace them with just one low-cost monthly outlay. Refinancing your home to consolidate your debts (such as a credit card balance or a student loan) can save you money in the short run and the long run, because you'll be paying on a low-interest loan rather than a high-interest one.

Tax Advantages

If you have lower interest rates, it means smaller interest deductions on Schedule A. You are allowed to deduct interest on a debt of up to $1 million incurred to buy your primary residence and one more home. Also deductible is the interest on up to $100,000 of home equity loans for these two residences. If you refinance a mortgage, the interest on this loan is deductible to the limit of old mortgage plus $100,000.

The interest charges you pay up-front, or points, are really interest that's pre-paid and must therefore be deducted proportionately during the tenure unless you have purchased or improved your existing principal property.

If you have bought investment real estate or a vacation home, you can deduct points proportionately over the loan term. If you have refinanced a mortgage on which you already had been reducing points proportionately, you could be eligible for a tax bonus. Now you can subtract any part of the points for the mortgage already paid off that you had not yet deducted since the year of refinancing.

The precise moment to refinance a home is complicated to figure out. However, it is undeniable that such a moment will arrive, probably several times over the course of a 30 year mortgage. Just be prepared to act when the time comes.

Basics of Home Buying

EdB — Thu, 09 Feb 2006 08:32:00 +0000

Here's an article "Basics Of Home Buying," that can help first-time homebuyers with the basics of home buying.
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The most important investment you will ever make is probably the purchase of a home. Finding the right home for you can be a long and arduous process, but there is no getting around that.

Know Your Wants And Needs

Before embarking on your journey of house hunting, you must know what you really want to find. Sit down with pen and paper and list all the features you care most about, such as:

- Location (in a particular city, school district or neighborhood)

- Size -- how many bedrooms and bathrooms

- Parking -- a 1-car garage or 2?

- Style -- 2-story house or ranch style home?

- Heating -- central heating and/or air conditioning?

Equally important, on a new sheet of paper list all the features you absolutely do not want in a house. For example:

- high-traffic area.

- high noise area (airport, train station or highway in close proximity)

- maintenance -- major repairs needed

As you look at houses, keep both lists in mind. Your lists may change over time as you do more looking. You'll want to add or remove features, or perhaps you'll become willing to make compromises. Realize that you most likely will not find the "perfect" home. Experienced homebuyers will tell you, perfect homes are not found, they are made perfect through hard work.

Get Your Credit Report In Order

Prior to looking at properties, you must get your finances in order. This is the time to review your credit report and clean it up, if need be, to maximize your credit score. Many people do not realize how important it is to check your credit report periodically to make sure it is accurate. You should pay off any past due amounts, or negotiate a settlement price to close the debt. Get such agreements in writing, before paying any settlement. Keep all receipts for any settled items from your credit report since it may take months to get the debt actually removed.

Research Your Home-Buying Options

Decide what kind of property you are interested in. Do you want a HUD property, a foreclosure, real estate, or property for sale by owner?

A number of web sites list homes according to city, state, or price range. Visit these sites to see pictures of homes, many with virtual tours, and review the listing features.

Get Pre-Approved For A Loan

You're ready now to find a lender and get yourself pre-approved for the loan. Being pre-approved offers a number of advantages. It will clarify the price range you can afford. Also, once you find the home you want, you can place an immediate offer. If you have to wait for pre-approval, someone could buy the house right out from under you.

Several special programs are often available from lenders, such as the FHA or Ameri-Dream, that can save you money in the closing. Ask the lender about any special programs before you decide on a loan.

Find A Good Real Estate Agent

It is wise for the first time homebuyer to work closely with a real estate agent, no matter what type of property you're looking for. A knowledgeable real estate agent will make your house-hunting much easier. A good real estate agent is usually a good negotiator, and will be able to help you with the complicated paperwork involved in placing an offer on a house or in closing a deal.

It's essential that you have a real estate agent working for you as the buyer, rather than relying on the seller's agent for the house you want to buy. The latter can involve a conflict of interest, which usually works to your disadvantage.

To select a real estate agent, you should check with your friends and neighbors for recommendations. Find an agent you feel comfortable with and who is knowledgeable about the area you hope to buy in.

These are just the basics of home buying. You will find many details you need to master as you move through the buying process, but having these basics under your belt will give you a head start.

New Ad Targetting CNNW

EdB — Mon, 06 Feb 2006 21:58:00 +0000

This is the small ad I am testing by running in Christian News Northwest, a publication targetting the Christian and Church Market in Oregon and SW Washington. It is a small publication, but with a very specific target and large circulation, my goal and intention is to see how well it works.

If you or someone you know is interested in the program mentioned in the ad, please call the 800 # in the ad and use the extension # 11 to reach the free recorded message.

I will be available to call back respondents and I'll conclude the AD campaign (for February) by February 21st, but may extend the offer until the end of the month.

I'll post more information to indicate how well it works.

In the meantime, click on the link above (on the Headline New Ad Targetting CNNW) and you're free to download the PDF file of the AD. The AD is © 2006 Ed Bisquera & B2 Creative Consultants, LLC.

Best Balance Transfer Credit Cards

EdB — Tue, 17 Jan 2006 18:41:00 +0000

As part of the advanced techniques taught in The Mortgage Eliminator program, credit cards are used to enjoy a longer float time of your income in the flexible mortgage account.

Here is another article that talks about the best balance transfer credit cards.
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Have you read your credit card statement lately? Do you know what your annual percentage rate is? How about your annual fee? You may be surprised to learn that your current card is not the bargain you once thought it was. Read on to learn how a balance transfer credit card can save you money.

The Best Balance Transfer Credit Cards: Get Yours Now!

Copyright © 2006 Edward Vegliante

Have you read your credit card statement lately? Do you know what your annual percentage rate is? How about your annual fee? You may be surprised to learn that your current card is not the bargain you once thought it was. If you are tired of paying fees and big monthly payments then shopping for a new credit card is a must. Some balance transfer cards are better than others; here are some things for you to look for with your new card:

Low Introductory Rate – If you are paying a high interest rate for your current card you can save yourself plenty of money by shopping for a card with a low introductory rate. Yes, there are still many balance transfer cards available that will give to you a rate as low as 0% for twelve months. By obtaining one of these cards you could save yourself hundreds of dollars per month and pay off your outstanding balance faster.

Transfer Fees – Balance transfer credit cards may charge you a small fee to make a transfer. Still, there are some cards that charge no fee on the initial balance transfer upon applying. It may be to your advantage to pay the transfer fee especially if you are going from a high annual percentage rate card to a low percentage rate card. Crunch some numbers to find out which card works best for you.

Save on Annual Fees – To secure your business, many balance transfer credit card issuers such as Chase and Citibank charge no annual fee. This can be a nice alternative for you especially if you have been paying $35, $50, $85, or more for your current card annually.

Get Rewards – A nice option for many consumers are those balance transfer credit cards that reward you for using that card. Depending on the plan, you can quickly accumulate airline miles, hotel stay credits, take a cruise, rent a car, accumulate points toward receiving free gifts, and more. Some cards, such as the Citi Diamond Preferred Rewards Card, will even give to you bonus points upon your first purchase of any amount!

Get Rebates – Like a typical reward card certain balance transfer credit cards will give to you cash rebates toward the purchase of a new or used car or toward repairs on your current car. The Citi Drivers Edge Platinum Select MasterCard is an example of one such card making this offer.

Perhaps the best thing for you today is that choosing a new credit card is to your advantage. Never before have terms, fees, and benefits been this good. There is no telling how long any offer will last, but if you act now you can obtain a balance transfer card that works best for you. To find your next card, searching online makes comparing all of the best credit card offers a breeze.

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Ed Vegliante runs the website http://www.Credit-Card-Surplus.com , a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers including Balance Transfer Credit Cards .

keywords: balance transfer credit cards, credit card, 0% balance transfer, best balance transfer credit cards, best balance transfer, no annual fee

Airline Rewards Credit Cards

EdB — Tue, 17 Jan 2006 18:26:00 +0000

As part of the advanced techniques taught in The Mortgage Eliminator program, credit cards are used to enjoy a longer float time of your income in the flexible mortgage account.

Here is another article that talks about reward credit cards.
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If flying to exotic destinations or traveling across the country on your favorite airline is something you want to do, you can get free trips with an airline rewards credit card.

Airline Rewards Credit Cards: Choosing the Best Card

Copyright © 2006 Edward Vegliante

If flying to exotic destinations or traveling across the country on your favorite airline is something you want to do, you can get free trips with an airline rewards credit card. That’s right, by selecting the right credit card you can quickly accumulate enough points to take that well deserved vacation to the Virgin Islands or hop on a plane to visit friends in Dallas, San Francisco, New York or just about any U.S. city. Airline rewards credit cards are all the rage. Are you on your way to accumulating valuable air miles?

Airline rewards credit cards continue to grow in popularity and for good reason. Depending on which card you select, you can accumulate enough points to take you and your family members on an expensive vacation with your airfare covered for free. So, how can you determine which card is best for you? By weighing the following options:

Fee v. No Annual Fee – Some consumers hate paying annual fees and there are airline rewards credit cards that are fee free. Keep in mind that paying a fee may actually help you accumulate more airline miles at a faster pace. If you use your card a lot, the card with an annual fee may turn out to be the better buy. Besides, if you use your card for business purposes, your annual fee may be tax deductible.

Annual Percentage Rate – As with all cards, rates do vary. If you never carry a monthly balance, than the annual percentage rate or APR won’t matter to you. If you do carry balances, there are plenty of low interest rate airline rewards credit cards to choose from. Some offer low introductory rates while others will allow you to quickly accumulate points by transferring existing credit card balances to your new card.

One Airline v. Many Airlines – Some consumers have an affinity toward one air carrier and a rewards card that accumulates points for that particular carrier can be just what they need. On the other hand, there are cards which allow you to accumulate air miles that can be used on just about any carrier. This can be the best choice for the consumer not wanting to be locked into one carrier. You might not be able to take that trip to the Virgin Islands if your airline rewards credit card is with a carrier that doesn’t even fly to that destination!

Mileage Plans – Read each offer carefully to learn if you can accumulate double miles, if your miles expire, and if blackout periods fall into play. Some airline rewards credit cards have sweeter deals than others; shop around for the plan that is best for you.

Preset Spending Limits – Those cards that have no preset spending limits may be the best choice for you. In many cases you can also quickly accumulate points [even double points] by using your card to shop for groceries, purchase clothes, pay for gas for your car, and more. Use your card wisely and you may be able to accumulate enough points for a luxury trip once a year!

Bonus Benefits – A select group of cards will give to you a free seat upgrade certificate which can be used on a future flight while other cards allow you to accumulate points toward hotel stays too. The more options your airline rewards credit cards has, the better for you!

If you are looking for an airline rewards credit card, you’ll find that many of the best offers are available online. Find the airline rewards card that is right for you and begin making plans to take that important trip you have long dreamed about on someone else’s dime!

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Ed Vegliante runs the website http://www.Credit-Card-Surplus.com , a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers including Airline Rewards Credit Cards.

keywords: airline rewards credit cards, airline rewards, credit card, credit cards, rewards credit card, reward, airline, points

Cash Back Credit Cards

EdB — Tue, 17 Jan 2006 18:25:00 +0000

As part of the advanced techniques taught in The Mortgage Eliminator program, credit cards are used to enjoy a longer float time of your income in the flexible mortgage account.

Here is another article that talks about reward credit cards.
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You have seen them advertised on your television. Likely, you have gotten their solicitations in your mailbox. Your neighbor has one and he just got a brand new gas grille for free! So, what am I talking about? Cash back credit cards, of course.

Cash Back Credit Cards: How To Play The Cash Back Game

Copyright © 2006 Edward Vegliante

You have seen them advertised on your television. Likely, you have gotten their solicitations in your mailbox. Your neighbor has one and he just got a brand new gas grille for free! So, what am I talking about? Cash back credit cards, of course. Millions of consumers are making the switch over from plain credit cards to cash back cards. They have learned that a game can be played that guarantees that they will be a winner. Do you know how to play the cash back game? If not, read on for some helpful tips that can help you get started down the road to free money.

So, you think that there aren’t free things in life, right? Well, in the case of cash back credit cards there are. You just need to know how to play the game.

For starters, there are a few rules for you to remember. If you carefully follow these rules you can profit handsomely and come away with money...not just a few dollars, but hundreds of dollars annually…even more. All for just using your cash back credit card!

Rule #1 – You have to be in it to win it. Yes, your card must be a cash back card in order to accumulate points that can be redeemed for money. Many credit cards offer rewards or other “come ons” to get you to use your card, but not too many give you money back. You can choose one of the numerous cash back credit card deals offered online to begin playing the game today.

Rule #2 – To maximize potential earnings, you must charge everything. That’s right, in order to receive the most points – redeemable for money – you must get in the habit of charging all of your purchases. Not just clothing and not just household items. Charge your gas, your groceries, your visit to Burger King, you name it. The more your charge, the quicker you accumulate points. The more points you accumulate, the more money back in your pocket.

Rule #3 – Pay off your cash back credit card monthly. Okay, so there is a catch! In order to make this type of card work for you, you need to pay off your balance every month. If you don’t, then the points you accumulate will easily be offset by interest charges and then some!

Rule #4 – Redeem and have fun. Yes, sooner than you know it, you will have accumulated enough points to redeem for money. Once you hit the threshold you want [check your credit card provider’s redemption book] you can cash your points in for money or receive it as a credit toward your current balance. Either way, you have money in your pocket!

Do cash back credit cards sound too good to be true? They can seem as if they are, especially when you know that no one gives away free money without a hitch to it. What the credit card companies do to give money back to you is to set aside some of the money they collect from merchants and turn around and give that money to you. Merchants win because you buy their product, credit card providers win because you use their card and they get merchant fees with every purchase you make, and you win because you chose the correct card. A true win-win-win situation for everyone, but you must be “in it, to win it” in order to reap your reward. You’d be surprised how many people do not play “the game” or they break the rules, costing them money in the long run.

Like your neighbor enjoying his free $450 Weber grille, you can be a winner too. Select the right cash back credit card today and you’ll soon be enjoying your free money too!

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Ed Vegliante runs the website http://www.Credit-Card-Surplus.com , a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers including Cash Back Credit Cards.

keywords: cash back credit cards, cash back, cashback, credit card, rebates, credit card

Candid Video Shot of Brian Koralewski, Money Principal Group/Mortgage Eliminator Coach

EdB — Sun, 15 Jan 2006 21:08:00 +0000

[If you don't see the video above, you need to download the updated Quicktime player and iTunes bundle at Apple.com/quicktime and install for Windows 2000/XP Home, Professional, etc. Update now to download and view the latest in video podcasts, streaming media and more!]

This posting is a video snapshot of one our Money Principal Mortgage Eliminator coaches, Brian Koralewski.

He is a Mortgage Eliminator Coach and works for our partner company Financial Freedom. Financial Freedom provides the coaching services for and in conjunction with Money Principal Group, as part of our overall Mortgage Elminator program.

In addition to Mortgage Eliminator coaching, he handles credit counseling and Money Principal's Debt Eliminator coaching powered by PayAccel (another Financial Freedom proprietary program, which helps consumers pay off debt in the fastest and most efficient way possible.)

Since it was a Saturday, he normally wouldn't be in, unless coaching sessions are scheduled in advance. His wife Camy happened to be in the office as well, so she was part of my "candid" video shoot. At least you can see who one of the coaches are, once you sign up as a client of Money Principal Group and who you would be working with on The Mortgage Eliminator.

Unfortunately, I wasn't able to capture other coaches, but on my next visit I'll make sure to show more of the wonderful, dedicated and experienced staff, located in beautiful Orem, Utah.

Remember, you can call or email for your personal financial analysis, to see how you can pay off your home mortgage off in 6-10 years and how it all works for you.

Visit PDXLoan.com for more information.