What Happens When The Mortgage Forgiveness Debt Relief Act Expires?

The Mortgage Forgiveness Debt Relief Act is set to expire at the end of 2012. This act protects homeowners who sell their home through a short sale protection again an IRS 1099 claim from their mortgage company. Learn how to protect yourself.

What Are Credit Scores?

Many first time applicants for credit accounts such as mortgages or car loans are exposed to their credit scores when they apply for credit and their salesperson reviews their credit report with them. We know that many people have asked the question: what are credit scores? Credit scores are pretty simple to understand conceptually, but […]

basic lip balm recipe

This is a lip balm that goes over well with the younger crowd. Namely my daughter and her friends. There are plenty of additives that you can bring to this little baby in order to create your own unique lip balm.

cellulite massage oil/ wrap

This is a simple blend of essential oils that you can combine in order to help reduce the look of cellulite on thighs and buttocks and pretty much any where you see those unsightly bulges. This works in conjunction with massage and a spa like wrap. This was given to us by a friend who is a massage therapist and has seen significant reduction in the look of her legs hips and thighs. She used this 5 times a week.

Liquid soap recipe

This is a general liquid soap recipe that I started with when I first started making Liquid soap. It leaves the skin clean and it’s naturally antibacterial because it’s pH is higher than most bacteria can handle. Things you will need.
Crock pot, oils, water, potassium hydroxide, thermometer, pH test strips, extra containers to put the soap paste in when you’re done.

Can I Really Get The Best And Lowest Mortgage Rates?

I do not know why, but when mortgage interest rates go down; the ugliness in the mortgage business seems to come out. What I mean by this is that mortgage loan officers seem to promise the cheapest mortgage rates and fees, and interest rate shoppers get ultra concerned about an extra $15 in closing costs. Being on the phone talking to mortgage rate shoppers for many years, I have heard

Energy Efficient Home Improvements Equal Monthly Savings and Tax Benefits

Outfitting your home for maximum energy efficiency is not cheap, true. For the full blown upgrade, you would likely be looking at replacing your furnace, air conditioning, hot water heater, and all of your windows. Expensive stuff, to be sure. All the same, energy efficient home improvements are quickly becoming very popular.

My Home Equity Line Of Credit Is No Longer Available

Last week I received a call from an agitated client that I had referred many months before, to a large private bank when he needed a Home Equity Line of Credit – HELOC. He told me he obtained the line with absolutely no problem, but hadn’t accessed it since he hadn’t needed the money until recently. The bank told him that he can’t use the HELOC anymore with the declining property values in his neighborhood.

What Is A Bi Weekly Mortgage Loan Program?

What is it about the bi weekly mortgage plan that is so appealing that homeowners would pay someone to set it up? Some companies charge as much as $400 plus perhaps even a monthly maintenance fee for as long as you are enrolled in the program? Well, what makes a bi-weekly mortgage program so attractive is that you can save 10’s of 1,000’s of dollars in interest and pay your home off 5-7 years earlier if you really do the plan.

Attention Homeowners: Get A Home Equity Line of Credit

The best time to get money is when you do not need it. What do I mean by this? You may have good credit, a good job and money in the bank, but this can change very quickly. You never know when you might have a crisis or emergency that you are financially unprepared for.

Adjustable Rate Mortgages Are Getting Ready To Adjust

he NACA (which stands for the Neighborhood Assistance Corporation of America) originally exposed and confronted Subprime and predatory lending in 1991. They remain in the forefront of this impending disaster for millions of homeowners across the country who feel that they have no voice. People who, over the last few years, numbered in the millions of Americans who were lured into a Subprime or predatory loan.

What You Need To Know About Home Improvement Projects

As an appraiser the most often asked question to come my way is “What upgrades should I add to my home that would have the greatest influence on the property value?” At first glance it appears to be a simple question, however, the number of factors that are taken into consideration are numerous and not always consistent.

Mortgage Foreclosure Problem? Chairman Bernanke’s Bailout?

The big news recently is that the Federal Reserve lowered the fed funds rate by half of a percent. What appear to be a great idea to get the real estate housing market moving again is having disastrous results in other areas.

My Home Value Was Appraised Low – What Should I Do?

Sometimes an appraiser will miss a sale that they should have used in their assessment. One thing you can do is to provide the appraiser with other sales that you think they ought to consider.

Who Wins When Mortgage Applications Are Sold To Other Companies?

When you fill out an Internet form for mortgage rate comparison websites, you will have lenders competing but they may drive you crazy in the process. What may not realize is that you might be showered with aggressive sales people all competing for your business

Figuring the Value of My Home

People wonder about how accurate free home value websites such as Domania.com and Zillow.com. While these sites might be starting point for satisfying one’s curiosity, I caution against relying on these sites for buying or selling decisions.