January 6th, 2012 
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Assessing Your Needs During Mortgage Renewals
When you first signed your mortgage, you probably had big plans for the upcoming years. If you bought your first condo, maybe you imagined yourself getting a new job and settling down with Mr. or Ms. Right. If you purchased a new home to accommodate a growing family, maybe you imagined having one or two more children in the next five years. Regardless of what kind of home you purchased or what kind of mortgage you signed, your lifestyle and financial needs may have changed drastically since you signed your first mortgage all those years ago. A number of factors can influence your financial needs, from raises at work to having another child. Mortgage renewals are a great opportunity to access your financial needs and to make changes to better suit your current lifestyle.
The average mortgage loan term is a 30-year fixed mortgage. Think about how much change a person can go through over the course of thirty years! In that time, children are born and start growing their own families. Over time, the house that was purchased by expecting parents is now where the grandchildren come to visit on the weekends. Even with shorter 10-year or 15-year mortgages, lifestyle and financial needs and wants can change drastically between signing the mortgage and the mortgage renewal. While many individuals make the choice to stay in their home when it is time to renew their mortgage, they do not use the opportunity to reassess their financial needs and research other options for mortgage renewals.
Lenders count on the fact that too many individuals are too busy to shop around for new mortgages. With today’s busy schedules, lenders know that few people have the time and energy to research new rates and find a new mortgage that suits their financial and lifestyle needs. Banks and other lenders will send out a notice with a new mortgage rate of their choosing knowing that the average person will simply open the envelope, read the rate, sign the appropriate forms and send it back. While this is the easiest way to complete the mortgage renewal process, it may not be the best financial decision.
Mortgage renewals give homeowners the opportunity to shop around for a new mortgage. With online tools and resources, the average homeowner has access to information and tips that can help them sort through the options for mortgage renewals. A number of factors influence what an individual can afford with their mortgage, and these needs change over time. The mortgage rate that was perfect when you first signed your mortgage may not suit your current lifestyle or financial needs. Taking the time to research your options may allow you to find a better rate and a better mortgage.
Mortgage renewals are an opportunity to reassess your lifestyle and financial needs. If you are planning on staying in your home, do not hesitate to take this opportunity to find a mortgage rate and term that might suit you better. What was the ideal mortgage for you 10, 15 or 30 years ago may be a bad choice for your current lifestyle and needs!
California Mortgage Lenders
California Mortgages are similar to Mortgages anywhere else in the country. The only difference between the Mortgages in California and any other place is that Mortgages in California can be taken only along with an earthquake and flood insurance. This is an extra liability that needs to be considered before mortgaging any property in California. Also, Californian Mortgage rates are higher than the Mortgage rates anywhere else in the country. They are rarely affected by the ups and downs in the prices in the rest of the country.
Many financial institutions specialize in Mortgages, along with a number of private lenders in the state of California. Shopping around might produce some interesting answers for all questions, along with some good deals on mortgages. Although the rates are pretty standard, some private lenders and financial institutions might offer a little extra deal if the customer does some business with them. Also, California Mortgage lenders can get a customer the best deal based on various factors and details provided by the customer. Professional lenders or brokers who work for major Mortgage institutions, such as banks or private companies, are specialized in that area and would be able to provide proper guidance to the customers.
Most California lenders these days have their own websites. Customers can just log into such a website and fill in the online application form, and wait for the lenders to contact them on the date and time provided on the application form. Basic details regarding the property or real estate to be mortgaged would be required by these lenders, and the customer can provide the same with the help of the no-obligation online form. The lender would provide a quote, once the application is passed through as being legal and the information verified to be correct. The customer can get back to the lender regarding the quote and start with the negotiations at the earliest convenience.
Since the market rates in California are higher compared to rates in any other part of the country, moneylenders strive to provide better options for that price to the customers. Negotiations are high and the customer can get the lender to reduce the price to a certain extent, with the way the details of the property for Mortgage are put forward in front of the moneylender.
A variety of resources are available for securing a Mortgage; all one needs is to be able to find a good Mortgage broker. Californian brokers take into account the individual’s financial situation, along with other requisite property details, before offering the best advice on a mortgage. They help with the whole process to ensure that the customer feels the least discomfort.
By: Kevin Stith
Purchasing Property With No Money Down: My Personal Experience
Have you ever seen those infomercials about buying houses with “No Money Down?” They are really well done. They have all kinds of people offering great testimonials about how they have gotten rich, buying rental properties, with absolutely no money out of their pocket. You see this guy, standing on a street corner, talking to someone, and he says, “I own that one,” pointing to a beautiful colonial. “I also own that one next to it, and the one two doors down, and I’ll be closing on the one directly across the street from it, next week.” He then assures us that he has purchased 17 homes in the last eight or ten months, with zero money down on the properties. Plus, in many cases he’s also paid no closing costs.
And, let’s not forget, this same guy is grossing tens of thousands of dollars monthly, and his net worth is nearly one million dollars. So, he says.
Now, all of this looks wonderful, so when the person selling the course that will teach you how to do this, at a nifty price of just $297.00, speaks, you are glued to his every word. “Real estate is the safest and fastest way to make money, today,” the expert will tell you.
So, can this really be done? Can you purchase houses with no money down? Can you become a landlord in as little as one month’s time and start raking in the cash from those rent payments? The answer is an absolute “Yes.” It can be done, and I am proof positive, because I’ve done it. The question you should be asking yourself is not can I buy real estate with no money down, but should I?
You see, this is a question that the guy selling the No Money Down course, with all of his people and their great testimonials hopes you never ask. His advertising and marketing strategy would collapse, if he gave anyone a chance to ask this question, because he would be forced to lie if he answered it.
Rarely is the whole truth anywhere to be found in infomercials, especially when the advertising is about No Money Down real estate programs. The infomercial makes the idea and the program look so easy that any child could handle it. It makes it seem like every American should be doing it, and we’d all be millionaires. But every American is not doing it, and many of the ones who are doing it not only are not getting rich, they are actually going broke. The infomercial won’t tell you this. That’s why I’m here.
The Truth
Now, let’s get started with the truth about buying real estate with no money down and the truth about being a landlord. The first thing you need to know is that they are both very bad ideas. Let me illustrate by using my own experience in these areas. I started buying rental property nearly 10 years ago. The first property I bought was a deal orchestrated by some real estate con artist, who told me I needed just $2,000 to take ownership of this home and, in the process, help out a woman who was about to be foreclosed upon.
In two years, she would clean up her credit, refinance the loan on the house, and I would make $10,000. Sounded good to someone who was quick to buy into anything that returned big dollars in a short time.
This worked for the first year, as the woman paid on time, and I pocketed an extra $100 monthly. Later, though, things began to collapse, as the house began to need repairs, all of which the woman couldn’t afford, so I had to pay for them. I put nearly $5,000 into the house in a four-year period. When I was finally able to sell it, I didn’t quite make back what I had put into it.
Meanwhile, I was eager to overcome this problem by adding many more. A slick mortgage broker got hooked up with an even slicker real estate prospector, and the two of them convinced me that they had a way I could buy houses rapidly, with absolutely no money out of my pocket. Although my experience will probably be enough to enlighten you to the pitfalls of this model and of being a landlord, let me say that I can’t emphasize enough how dangerous buying property with no money down is.
In six months time, I had purchased eight houses – many with loans from the same wholesale lender. These lenders should have been concerned with all of the debt I was building, but they kept approving loans, based on my good credit and rents covering the mortgage payments. One of the biggest problems, which I was not experienced enough to detect, was that most of the rents were just $50 to $100 above the mortgage payment.
“Don’t worry,” the investor/ hustler would say. “You’ll make all your money on volume. We’ll get you into 30 or 40 houses, and you’ll be pocketing $4,000 to $5,000 every month.”
As you might imagine, my mind raced. I was making the huge deposits at that very moment. My bank account was fattening up at breakneck speed.
The Illusion
This is what people who buy houses, using the No Money Down plan envision happening. After all, if you can buy one house with no money down, why not five or ten or fifty? For some reason – the vision of the dollar sign, most likely – I failed to seriously consider the maintenance of these houses, the possibility of missed rent payments, and the chance that renters might actually stop paying, altogether, forcing me to evict them – a time-consuming and extremely costly undertaking.
As you may have already guessed, all of these things happened to me, after I had amassed 26 rental properties. In fact, oftentimes, all of these problems happened in the same month. Now, for awhile (when I had about 10 houses), if one person failed to pay rent, I could cover it with the nine other payments. But when two, three and sometimes even five tenants didn’t pay in the same month, it was devastating to my business. I had to go to my business account and pay up to $3,000 at a time in mortgage payments, with no income to cover it. Plus, I had to pay a property management company to get my tenants to pay or to evict them.
Soon, this became the norm, not the exception. There were constant problems at my houses. Unhappy tenants led to poor upkeep of the property and even more maintenance problems. About one year, after I had amassed 26 houses, I was having problems with roughly 10-15 houses and/or tenants each week. I was evicting at least two tenants each month, and approximately four to seven tenants were either behind on rent or not paying at all. Promises were made, payment plans arranged and few, if any, ever followed through.
It didn’t take long for me to realize that this was no way to make money in real estate. Consequently, I got rid of these houses as fast as I possibly could. There were plenty of buyers, willing to take over my headaches, because they had the ability to make it work, they believed.
In 10 years of being a landlord, I lost thousands of dollars and likely took some years away from my life with all the stress I had endured. So, whatever you do, avoid the No Money Down Trap. There are much better, still inexpensive ways to make money in real estate.
Learn the best ways at Directlendingsolutions.com
By: Mark Barnes
It’s Great Owning Real Estate Near Lake Michigan
Living in West Michigan is great because of the number of inland lakes, but mostly because of Lake Michigan. Lake Michigan is surrounded by four states; Michigan, Indiana, Illinois, and Wisconsin. Having the freshwater lake in the area makes West Michigan Real Estate very popular.
Having the Lake near by is great because it can keep you from being bored. There are a number of beaches along the West Michigan Coastline, so it does not matter which city you live in. Being at the beach allows you a chance to relax, go swimming, hang out with friends, and even make new friends. It is also a great place to have a date. Even in the winter you can find local residents and tourists taking pictures of the lake and walking along the beach.
There are a number of inland lakes that run into Lake Michigan. Lake Macatawa is an inland lake in Holland Michigan that I enjoying using. It is a blast to take a boat out with friends and participate in water sports; like tubing, skiing, and wakeboarding. Lake Macatawa leads into Lake Michigan so you are able to take long boat rides and even drive your boat to the number of beaches along the Lake Michigan Coastline. Having Lake Michigan near your home allows you to do a lot of fishing. There are a number of different fish available to catch, but a few of the more popular fish to catch are perch, Salmon, and Walleye.
If you have gone swimming in both freshwater and saltwater you will understand how great it is to swim in freshwater. Being in freshwater allows you to open your eyes underwater, play a number of activities without having a mouthful of salt, and you can get out of the water feeling refreshed, rather than being covered in salt.
Having Lake Michigan offers rare opportunities to watch fireworks over the water, and visit a number of lighthouses. It also offers the opportunity to glimpse the beautiful sunsets.
Living in West Michigan has a number of benefits, but in my mind the best benefit is being so close to Lake Michigan. Lake Michigan will keep you from being bored, you will be able to go boating and fishing, and you can experience activities that are uncommon to many areas throughout the nation. Make your move to West Michigan; you will be glad you did!
By: Luke Bouman
Why Rent a Flat in Glasgow in 2012?
If you want 2012 to be the year in which your life changes for the better then maybe a change of scenery is just what you need. If you are wondering why rent a flat in Glasgow in 2012, then here are a couple of reasons.
A Thriving City
For anyone who wants to live in a place where there are job opportunities, lots of night life and great restaurants then Glasgow is a very good choice. But why rent a flat in Glasgow if you want a slower pace of life? Well, there are also quieter, more easy going areas where you can just take it easy when you are at home and relax after work or University. The choice of action or relaxation comes down to where you choose to stay.
A Friendly City
If you have never been to the city before then you will be amazed by the warmth and humour of the people. Why rent a flat in Glasgow and stay in every evening when you can go to the pub, a football match or the shopping centres and enjoy some time in great company? You will find it really easy to settle in and feel a part of Glasgow, and that it the most important thing when you are moving to any new city.
College Football Notebook (11/10)
I’ve always believed that the number zero is extremely defining! In the world of sports, as in real estate, it’s all about “location, location and location!” A zero in the right-hand column of the won-loss standings is a very good thing, while one in the left-hand column, is not so good!
As college football enters its stretch run, anyone remotely associated with the game is well aware that USC, Texas and Alabama (listed in order of the team’s BCS rankings), remain the nation’s lone unbeaten teams. However, there a few other teams with a zero in that right-hand column, when it comes to conference standings.
West Virginia of the Big East, easily took care of Cincinnati on Wednesday night, moving to 5-0 in league play. The Mountaineers still have games remaining on November 24 versus Pittsburgh (in Morgantown) and on December 3 at South Florida. The Mountaineers had the Big East title in their grasp last year but lost at home to Boston College 36-17 and at Pittsburgh (16-13), to finish the year. This year’s team shows no signs of imploding but one never knows
TCU has already clinched the MWC title, in its first year in the league. The Horned Frogs easily dispatched of Colorado State last Saturday (33-6), clinching the school’s first outright conference title since winning the SWC crown in 1958. At 7-0 in the MWC, the Horned Frogs (29-point favorites!) need only beat UNLV in Fort Worth on Saturday, to finish at 10-1 overall and 8-0 in league play. Ironically, the team’s only loss in 2005 came against an old SWC rival, SMU. Just one week after opening the season by winning 17-10 in Norman versus the Sooners (as almost four-TD underdogs), TCU lost 21-10 at SMU, a team that is just 3-6 on the year.
At least one of college football’s seven remaining conference unbeatens HAS to lose this weekend. Boise State and Fresno State of the WAC (both 5-0), meet Thursday night on ESPN. Boise State entered the WAC in 2001 and in that very first year, ended Fresno’s 17-game home winning streak with a 35-30 victory as a 16-point underdog. After losing at La Tech later that year, Boise began a conference winning streak that’s reached 31 games! During that run, the Broncos are an impressive 21-10 ATS.
Despite the fact that Boise owns that long conference winning streak and have beaten Fresno in all four meetings since joining the conference (winning by an average score of 41-21 and goings 4-0 ATS), the Bulldogs are solid favorites (more than a TD) in Thursday’s game. Fresno State is surely no slouch, as the Bulldogs are 38-5 SU at home since 1998 and enter their showdown with the Broncos at 7-1 (only loss at 8-1 Oregon, 37-34) and ranked No. 20 in the AP (current BCS ranking is 22).
The winner of Thursday’s showdown will likely win-out the rest of the way in conference-play but it’s no ‘lock.’ Boise gets an easy game at home versus Idaho but must play at La Tech (7-1 SU at home since 2004). As for Fresno, after traveling to USC on December 19 for a non-conference game, the Bulldogs must go to Reno, where Nevada has gone 9-2 SU and ATS in its last 11 home games. Fresno finishes the season with a game against La Tech at home.
Getting back to the nation’s top-three teams, USC faces the one school that’s given them the most trouble the last few years. USC takes a 31-game winning streak into its game at Cal this Saturday, as well as a 14-game road winning streak and a 21-game Pac-10 winning streak. Cal was the last team to beat USC, 34-31 in triple-OT back in 2003. Cal almost beat the Trojans last year in Los Angeles losing 23-17 and in 2003, losing 30-28. Adding some more drama to the mix, a USC win will tie Cal’s Pac-10 record winning streak of 22 straight, set from 1947-50. USC is an 18 1/2-point favorite and will close the year with home games against Fresno State and UCLA (Trojans have won 25 straight in the Coliseum).
Texas, the nation’s No. 2 team, goes for its 17th straight win this Saturday in Austin against Kansas. While both Texas and USC have won games by similar margins, Texas outscores its opponents 48.3-14.3 with USC outscoring its opponents by an average of 49.9-20.6, the Longhorns are 8-1 ATS while the Trojans are just 4-5! Texas is a 33-point favorite over Kansas and finishes its regular season with a visit to College Station, where the Longhorns face the disappointing Aggies. The likely opponent for Texas in the Big-12 title games is Colorado, a team the Longhorns beat in Austin 42-17, back on October 15.
While few think either USC or Texas will stumble down the stretch, the nation’s No. 3 team, Alabama (but just 3-6 ATS), finds itself a home ‘dog’ (plus-3) this Saturday to No. 5 LSU. Since losing WR Tyrone Protho, the Tide have scored just ONE TD in their last three SEC games. However, Alabama owns the nation’s No.1-ranked scoring defense (8.2 PPG) and shouldn’t be counted out of any game. If Alabama escapes against LSU, the Tide play Auburn in the “Iron Bowl” on December 19 in Auburn. Alabama’s likely SEC title game opponent (if the team makes it that far) is either Georgia or Florida.
The SEC saw Auburn go 12-0 last year but get left out of the BCS title game and it seems likely that Alabama could finish 12-0 in 2005 and also get left out. USC increased its lead over Texas in the latest BCS standings and Texas’ lead over Alabama is SUBSTANTIAL! BCS history says that the two teams ranked first and second in the initial BCS poll of the season (this year it was USC and Texas), have NEVER gone on to meet in that year’s BCS title game. However, USC and Texas have already made BCS history in 2005, as the same two teams have never before been either one or two in each of a season’s first-four BCS standings. Maybe USC and Texas are destined to meet in Pasadena?
LOVABLE LOSERS
I can’t close without listing the winless teams, the ones with the zero in the wrong location! Temple is 0-10 (4-6 ATS) in 2005 but gets the week off before closing its season December 19 at Navy. New Mexico State is 0-9 (2-7 ATS) and is home to Nevada, where the Aggies are 9 1/2-point underdogs. Buffalo, also 0-9 (5-4 ATS!) is at Kent State and the Bulls may actually have a chance. The not-so Golden Flashes are just 1-8 themselves in 2005 but are favored by about a TD. Note: Buffalo also owns the nation’s longest current road losing streak with 22 straight losses.
Rice (0-8 SU and 1-7 ATS) in 2005 and owners of the nation’s longest current losing streak at 14, plays its Homecoming game this week against 2-6 Tulane. The Owls are actually a ONE-POINT favorite! Could it be? By the way, including Buffalo, New Mexico State and Rice (Temple is playing this year as in Independent), there are still 13 schools which are still winless in conference play entering this weekend’s action.
By: Larry Ness
Commercial Versus Residential Mortgage – Which Will Work Best For You
In the world of real estate there can be differences between the commercial and residential real estate sectors. The same thing applies to commercial and residential mortgages. While they both will help you be able to purchase the property you are looking for the requirements to receive a commercial or residential loan can be quite different.
When you do a side by side comparison of the two, it is clear that with commercial real estate the financial institution is interested in if the business is stable and can be profitable in the future. For example you could have a business that is unprofitable and has bad credit yet can still be able to purchase the commercial property. What the bank would look at is how much revenues you are bringing in versus the total amount of debt that you have. If they feel that the business wouldn’t qualify for the mortgage they may ask to see your personal credit history or require some kind of a down payment but in general you will be able to receive the loan.
With a residential mortgage the financial institution is concerned about your ability to repay the loan. Some big factors that play a role in determining if you will receive the loan are what your annual income has been over the past three years, your credit history, if you can put 10 to 20% down and if you can afford to spend 38% of your annual income on the mortgage. In many cases any one of the above factors could disqualify you from receiving the mortgage at that particular bank. Clearly there can be big difference between the world of commercial and residential mortgages With commercial mortgages the bank is mainly concerned about how stable and profitable the business can be in the future. Conversely with residential mortgages they are concerned about your ability to pay the loan back.
By: Feseha George
Mortgages: Pay Back Over 40 Years
Mortgages are traditionally taken out over 25 years, 30 years at a push – but house prices have got so high that many would be homeowners have found themselves completely unable to get on the property ladder.
Mortgage lenders have found a solution – offer a mortgage over a longer term so borrowers can afford the repayments. The catch is – the borrower pays a lot more in the long run, and the lender’s profits increase exponentially!
However, for many, it is the only way they can afford to buy a house. One couple opted for a 35-year mortgage with Northern Rock. Mr A is 36 years old, so the mortgage won’t come to an end until he is past retirement age. However, he has an optimistic viewpoint, and believes that his working situation will improve in the meantime, therefore allowing them to pay the mortgage off far earlier. It’s a gamble, but most people can safely assume that their earnings will increase as their career progresses.
For example, a mortgage of ?200,000 over 25 years on a 2 year tracker mortgage (initial rate 4.79% rising to 6.5% standard variable) will cost ?1,140 a month for the first 2 years, ?1,329 from then on.
Take that same mortgage over 40 years instead, and the monthly rate after the initial 2 years is ?1,157 – a total of ?172 less a month, and around ?2,000 less a year. However, the total cost that you pay back is quite different. With the 25-year mortgage, you’ll pay ?394,241 in total. Over 40 years, you’ll pay ?549,931 – a difference of ?150,000. You could buy another house with that!
It’s very important that people that opt for the longer term mortgage in order to get onto the property ladder do take steps to remortgage and shorten the term as soon as possible. Making frequent overpayments would also help considerably. The worst case scenario is that you enter your pension years, still having to pay off the mortgage. With the future of pensions also in an uncertain state, it’s definitely not a gamble worth taking lightly.
A spokesman from Mortgage Advice Bureau, Brian Murphy, says, “Stretching a mortgage term to lower the payments is a risky business. We always advise clients to keep repayments to as short a term as possible, to enable them to free up money for pre-retirement investments.”
As long as the borrower is savvy and is well aware of the risks, and has every intention of turning the situation around, then it’s not necessarily a bad thing. It’s the borrowers that do not have the financial sense to realise the risks that could fall foul.
At the moment, a number of lenders including Northern Rock and Cheltenham & Gloucester, go up to 35 years. HSBC, Halifax, Ulster Bank and Coventry Building Society offer 40 years mortgages. Bradford & Bingley have trumped the competition with a 45 year offering, however it is very much targeted at young professionals, accountants for example, whose salaries are guaranteed to increase substantially, at which point they can remortgage and make higher monthly repayments over a shorter term.
According to Northern Rock, the average lifespan of a mortgage product is between 3 and 5 years, so prospective borrowers take note – a mortgage isn’t for life. It’s until a better offer comes along, and as long as you keep your eyes open, you should always be able to find a better deal.
Before choosing to get a longer mortgage term, chat it through with a specialist broker. There are plenty of no-obligation brokers, available through the internet, that will be able to give you professional advice, and help you find the best deal at the same time!
By: Michael Challiner
Commercial Real Estate – Is There a Proven System For Success in Commercial Real Estate Investing?
The answer is a resounding yes, without a shadow of a doubt. You must first understand there is a right way and a wrong way to go about it. The masses go out and try to become the next Donald Trump without the proper skill sets. Let’s take Donald for a minute and see why he has been so extraordinarily successful in real estate. For starters he had a great mentor from the start, Fred Trump his dad.
Fred Trump was a very successful Real estate developer; to go a little further Fred Trump built a portion of empire on low income housing and apartments. Growing up Donald was able to soak up all that information and have a head start on his competition, what types of advantages do you think you would have growing up being able to see the daily actions of your dad wheeling and dealing in the world of Real Estate, that part can’t be measured. That was just the beginning the second part which most are not aware of was that Donald Trump went to the Wharton School of Business and not only graduated, but excelled at his studies. He did not just try to get by, he did what was asked an much more, back in the late 70′s was researching foreclosures of all things.
There is an old saying “Success leaves Clues”, I hear so many people use Donald trump as a role model, as someone they would like to meet, but most that I talk to are looking for a short cut, they want the success of Donald Trump, but they are unwilling to do the things that made Donald Trump successful. The first tip I give most individuals before they even decide to purchase there first investment property, invest in yourself, that is the one investment if utilized properly will give you a 100% return every time. Everyone needs somebody, it is very difficult in today’s society to do things by yourself, A Great book for all investors, residential or commercial to read is E-Myth Revisited by Michael Gerber, it gives you very practical systems and formulas to reduce your chances of failure.
Ok the question you are probably asking, I do not have a very wealthy Dad to follow and immolate like Donald Trump, what can be done. I certainly do not have the ability to attend the prestigious Wharton School of Business, are there any options if I want to fast track myself to success in the world of Commercial Real estate. It is funny that you ask that question, what if you had a chance to be mentored by one of the 50 most powerful people in the state of Michigan, someone who has achieved unprecedented success in the world of Real Estate, residential and commercial. Well that opportunity is only a few key strokes away, if you want to take your Commercial Real Estate business to the next level an understand that success is almost there for you, please contact The Power to Be Free.
By: Darrick Henry Scruggs