The old adage of "bigger is better" is completely passé now. If you want to be on the forefront of what's hot in today's world, don't think big; think small! It's all the rage in nearly every industry-mobile phones, music players, fashion (mini skirts and slim jeans!), and cars. And guess what? That trend is also big in real estate. While it used to be empty-nesters and retirees who were most likely to downsize their home, more and more growing families are joining the "smaller is better" revolution when it comes to their choice of home. Why? They want a better quality of life now, while they're young enough to enjoy it.

Though there are many benefits of downsizing a home-decreased utility costs, less expensive home maintenance, and cheaper property taxes, for example-the biggest benefit of downsizing a home is the money saved on mortgage payment. I know what you're thinking: If you buy a smaller home, you'll be cramped. Well, consider this: If you're like most Americans, 45% - 55% of your income is dedicated to your mortgage payment and mortgage-related / homeowner-related expenses. When you consider your other financial responsibilities, that doesn't leave very much disposable income to just enjoy life! Going smaller, however, definitely makes more room in your budget, which means you can spend more time outside of your home exploring the world! Let's look at an example:

The average preferred size home in America today is 2,500 square feet. Now, let's say that the price tag for a home that size is about $240,000. With a 20% mortgage down payment and a mortgage rates of about 5.33%, the mortgage payment would be $1,225.77 / mo. Now, if we compare that to a 1,500 square foot home priced at $175,000 and a 20% mortgage down payment, the mortgage payment would dip to $780.04 / mo. That's a decrease of $445.73 in your mortgage payment. Over the course of one year, that's a mortgage savings of $5,348.76! Plus, you'd save about $40 for every $100 of utilities every month, which is another $480! That's nearly $6,000 annually. How much more living could you do with that kind of savings each year?

Now, for those of you who really want to super-size your mortgage savings by downsizing, you're going to need to hunt for a special kind of home: A Small House. These types of homes, which are designed by specialty builders like Tumbleweed Homes, provide the ultimate in mortgage savings.

Small Houses are cozy cottages that take economizing living space to the extreme; on average, they range from 80 square feet to less than 1,000 square feet! Of course, opting for a small house will take some getting used to for most Americans; there's room for luxuries but not non-necessities. However, if you can make the transition, it will certainly pay off in the long run. The tiniest of Small Houses can be purchased / built for about $25,000 and the larger Small Houses-even those built with top-notch fixtures and building materials-typically have a price tag of less than $70,000! Therefore, a mortgage payment at 5.33% for a 30-year mortgage would be just $390.02 / month! That's an 835.75 monthly savings on your mortgage payment if you downsized from a 2,500 square foot house, which equates to savings of $10,029 per year! Now how's that for a manageable mortgage payment, and an affordable way to live big by thinking small?

"Hogwash!" That's what you should scream out in your mind if you ever come across a mortgage broker who tells you a lender will only offer you a larger mortgage loan is if you make a bigger mortgage loan down payment or improve your credit score. While both tactics will certainly encourage a mortgage lender to reduce your mortgage rate, neither tactic is truly effective in helping you to secure a mortgage loan greater than what you've been offered. However, if your dream home is just slightly out of reach, there is one way that may result in a lender granting you some additional credit: A green mortgage.

While they're not new, green mortgages (aka energy-efficiency mortgages) are gaining popularity today because more Americans are more environmentally conscious. Plus, with rising costs on food, clothing, energy and just about everything else, more homebuyers are looking to cut costs any way they can; that includes agreeing to "green" their soon-to-be new homes. That's exactly what a green mortgage is designed for: To save homeowners money in the long run.

The way green mortgages work is similar to any other mortgage. First, you must apply and qualify for a mortgage loan! That's the biggest hurdle to get over. Once you do, and if your lender offers green mortgages or has a green mortgage product, you follow the firm's specific procedures from there. If you're accepted as a green mortgage candidate, the lender will loan additional monies.

Now, green mortgages are not "name your mortgage amount: type loans; the amount is capped. Typically, lenders will up to 15% of the home price. Though each mortgage lender may state stipulations in various ways, the main stipulation is that the loan amount beyond the home price must be used for energy-efficient improvements or installments on the home. For example, you may decide to use some of the monies to install lighting that uses electricity more efficiently, low-flow water pumps, and a water recycling irrigation system.

Now, I bet you're wondering how taking on a bigger mortgage loan and greening a home saves the homeowner money in the long run. Simple: By installing or improving the home so it's more energy-efficient and environmentally friendly, the homeowner saves money on utility bills-water, electricity, etc. Homeowners can easily save $200 or more each year on utilities. That savings will "reimburse" the homeowner well before the 30-year term of the loan has been reached; the savings on utilities also makes managing the slightly higher mortgage payments manageable. Plus, there's an added benefit for buyers who obtain a green mortgage for a newly constructed home: The homeowner will save on the cost of the building materials used on the home.

If you're interested in a green mortgage, the first step is to do your research into lenders who offer them; the lenders are few and far between so do not be surprised if they are not available in your area. Also, realize that, mortgage lenders are highly selective in those to who they will offer green mortgages. Don't let that stop you from asking though because you never know. Besides, even if you don't get a green mortgage, you'll still have your home...and can green it when you're financially able.

Being a homeowner is a huge undertaking. As a homeowner, you're responsible for mortgage payments, property taxes, maintenance on the home, and the exterior upkeep as well. They're all major responsibilities but the one responsibility that's the most important, and that will affect your ability to handle the responsibilities listed above, is selecting an affordable mortgage loan; the key to that is know what your financing options are and how to use those options to your advantage. Three steps is all it takes.

The first step in using your financing options to your advantage is to shop around for up to three mortgage lenders-whether they're brokerage firms or bank-direct lenders-to foster the financing of your mortgage. Find firms / mortgage consultants that are patient, willing to answer your questions directly and that appear to genuinely care about helping you find a good mortgage loan. Do not move forward with the second step until this is done.

The second step is to order your credit reports from Transunion, Equifax, and Experian. The goal here is simple: To find out your credit standing before you have a mortgage consultant make an official inquiry. Once you have your credit reports, look to see which report has the lowest credit score; use that number as the credit score you give to mortgage consultant to help them determine the types of loans for which you may be eligible. That way, you'll know what your mortgage loan options are in a "worst case" scenario.

The third step after you've chosen a your potential mortgage lenders and have your credit reports in-hand is to look at all of the financial aspects of each mortgage loan your chosen mortgage consultants offer you based on that credit score. More specifically, you should pay attention to the (1) mortgage rates, (2) mortgage points, (3) mortgage down payment requirements, (4) mortgage loan fees, and (5) private mortgage insurance requirements. Here's a look at what you need to know and ask in order to make sure you select the best (aka least costly) mortgage loan:

Mortgage Rates

Mortgage rates are the interest rates at which a lender agrees to loan you money for your mortgage. The rates for a proposed loan can be fixed, variable, or a combination.

» Where can I find a list of the current mortgage rates your firm offers?

» Are the listed rates daily, weekly, or monthly rates?

» How will I know whether the rate is fixed or adjustable?

» For the adjustable mortgage rate loans, how often do the rates change?

Mortgage Down Payment

The mortgage down is like any other initial payment; it's simply a way to show the lender that you're willing to financially invest in your home purchase so they're not taking all the risk. Generally, the larger down payment you can make, the better. With that said, here's what you should ask:

» What is the minimum down payment required for each loan?

» By how much will my mortgage payment decrease if I pay a larger down payment than
    the minimum required? Note: You can also do this online yourself with a mortgage loan
   calculator.

Mortgage Points

Mortgage points can be a fee applied to your loan; they can also be a way to decrease the cost of your loan. Therefore, be sure to ask:

» On which of the loans is purchasing points to decrease my interest rate an option?

» What is the actual dollar cost of each point for X loan?

» By how much will each mortgage point purchase decrease my mortgage loan payment?

Private Mortgage Insurance (PMI)

Private mortgage insurance is an additional cost that some lenders require of homebuyers to protect their investment in case you default on the mortgage loan. Some buyers are required to pay it; others are not. Therefore, anytime you're applying for a mortgage loan, ask:

» Based on the down payment I am able to make and the loan types I'm eligible for, will I
   need to pay for private mortgage insurance?

» How and from where can I get PMI?

» By how much will my private mortgage insurance increase my mortgage payments?

» At what point will I be released from being required to have private mortgage insurance?

» What can I do to not have to pay PMI?

Mortgage Loan Fees

Mortgage lenders often have fees they attach to loans, which means more money out of your pocket. Now, there's no way to get around paying some fees but you can minimize the amount of the fees you do pay. So, be sure to ask:

» Are your fees based on the mortgage loan amount, set fees, or a combination?

» Where can I find a list of your mortgage loan fee schedule?

» Where can I find an explanation (disclosure) of each fee?

Once you have the answers to all of the above, sit down and compare each of the loans. Be sure to consider the up-front expenses as well as the monthly costs and overall costs of the home purchase. Putting the numbers side-by-side in black and white will help you to see which loan(s) are the most fiscally smart. Admittedly, this may not be the fastest or most convenient way to shop for a mortgage but it is the smartest. Therefore, take the time and put in the work. If you do, you're sure to end up with a mortgage that will allow you to enjoy your home and live comfortably with cash to spare!

Home mortgage rates are at record lows; however it is quite likely they will be going up soon due to the current mortgage environment. Because of the subprime mortgage crisis the entire financial system across the globe has been impacted. In fact, the crisis has resulted in many failures of huge companies including government sponsored entities as well as mortgage companies and investment firms not to mention tens of thousands of foreclosures. The crisis has escalated over 2007 and 2008; however it began several years ago quite slowly. This financial crisis has not only affected current home mortgage rates, but will surely change the face of lending forever.

Current mortgage rates
Mortgage rates are currently quite low making this a perfect time to buy a new home. However, buying a new home is more difficult than ever because lenders do not have the money to lend and/or they have such high lending requirements that the vast majority of potential borrowers do not qualify. Unfortunately, this combination will affect the mortgage environment even more because when banks do not lend money not only does the housing market stagnate, but it also affects daily business. In fact, the fact that banks are wary of making loans these days is unlikely to change in the near future as it is predicted billions of dollars in credit card debt will also be defaulted on soon.

How did we get here?
Those wondering how the current housing market arrived at such a state should understand that the subprime and adjustable rate mortgages were at fault for the busting of the US housing bubble. The rate of default on these loans was staggering and looking back it is easy to see where trouble was brewing. However, at the time banks had lax lending standards and were approving practically anyone who applied for a home loan with very easy terms. What happened is many individuals were approved for loans for homes that they could not afford. These individuals, as well as the banks, were confident they could easily refinance into easier terms because housing prices were skyrocketing and everyone simply ignored the fact that defaults were up and too many people were being approved for loans they truly could not afford. All of this works together to create the current mortgage market that is quite unstable.

Where to go from here
The biggest hurdle will be to get the already gun-shy banks and lending institutions to start lending again. They are too worried to loan large sums for homes when so many defaults have occurred. In fact, some major banks have failed and been bought out by other banks due to their inability to make it through this crisis. However, the only hope for banks to survive is to begin lending again. That truly is their bread and butter and without loans more banks will go under. So, what can banks do in this particularly challenging mortgage loan market?

One thing that has been done in the US is a bailout to the tune of $700 billion. This money will go to shore up the banks and allow them to begin lending again. Of course, in order for banks to begin lending again potential borrowers are going to have to offer some form of protection to the bank in the way of a substantial down payment. Those with excellent credit may be able to qualify for better terms; however most borrowers will find they are required to provide a down payment of 5 to 10% of the home's purchase price.

The home mortgage market is changing on a daily basis and most banks and consumers are hoping the worst is behind us. That is not a guarantee on the financial markets will probably be reeling for some time. However, the credit market has certainly been changed by this financial crisis.

Just like many things in this world, not all mortgage loans are created equal. In fact, there are numerous loan offers that you might find scouring the Internet or by visiting with multiple mortgage loan consultants. The question is: How do you determine which mortgage loans are great mortgages? Well, as the saying goes, great things come in threes...or in this case, in three steps.

The first step to finding a great mortgage loan is to hire a quality mortgage consultant. In the real estate business, that means having a mortgage loan consultant who operates with transparency so you'll know every fee that you'll be assessed and the amount of each fee. A transparent mortgage loan consultant will also explain everything-even the things you don't ask but need to know-in plain language so that you fully understand everything related to obtaining a mortgage.

The second step to finding a great mortgage loan is to find an appropriate mortgage loan. What does "appropriate" mean? It means that the mortgage consultant you've chosen to work with has located a mortgage loan that has a feasible interest rate for the payments you can afford; the lower the mortgage rate, the better. There is a catch: Mortgage loan consultants in Florida, California, New York, or anywhere else in the US can only offer you the mortgage loans that you are eligible for, which is based on the current  market rates and your credit score. Therefore, be sure to keep tabs on both.

The third step is to put on a pair of mortgage loan blinders. By that, I mean you need to narrow the scope of the types of loans you'll entertain; only consider loans that are 100% buyer-friendly. Ideal buyer-friendly loans give you, not the lender or the mortgage broker the advantage. Buyer-friendly loans have flexible loan terms. For instance, the loan may be available as a one to ten year loan; it may be available as an open, closed, variable, or convertible mortgage. Another key sign of a buyer-friendly mortgage loan is that the mortgage allows you to have some control over the interest rate. If a mortgage loan consultant says that "points" is an option, it's an offer worth considering. Mortgage loan points, in case you don't know, allow you to decrease the interest rate on a given loan. Though buying points will increase your initial mortgage loan costs, it'll save you money in the long run. That's why it's a great option to have, regardless of whether you utilize it.

If you follow the steps above as you begin hunting for your perfect mortgage loan, you won't have any problems finding a loan that you can live with. Keep in mind that finding such a loan does take time. Be patient, plan ahead, and most importantly, find the right mortgage consultant or firm to help you along the way first!

Read more articles at Mortgage Articles .

With everything that has been taking place in the past few months with mortgage giants Fannie Mae and Freddie Mac, there is no doubt that families and individuals are feeling anxious about their finances and home's futures.

            The trigger of the real-estate boom that the country had been going through mostly throughout the last four to five years was due in large part to low-mortgage rates. 30-year mortgage rates went down as much as 6.32% in 2005 which made the possibility to buy property much more accessible to those who were unable to before, especially those earning low-incomes.

Ultimately however, people's finances began to spiral out of control and although home- buyers were reveling in low-mortgage rates, the real estate reality was very different.

The government take-over of Fannie Mae and Freddie Mac during the summer of 2008 was distressing at best. Neither had sufficient capital to sustain themselves throughout the crisis, consequently making a government take-over necessary. Both Fannie Mae and Freddie Mac control ½ of United States mortgages and the take-over consequently drove rates down a staggering 6.2%.  The real estate bubble burst and people were seen dealing with sudden and unexpected foreclosures.

            The question now is: How does the housing market look now? Will low mortgage rates continue and for how long? As of last week (the week of September 15), home mortgage rates had fallen to 5.78% down from the previous week's 5.93% which motivated a significant amount of buyers to apply for loans. The 15-year fixed mortgage rates are now at 5.35% while one year adjustable rates are at 5.03% (source: iht), making low-mortgage rates likely to continue.  

            Despite these low-mortgage rates, the housing market is not likely to look much better in the near future. According to the National Association of Realtors, the median national home price went down 9.5% to $203,100 indicating that people are now more reluctant to apply for loans because of the current financial crisis the country is facing.

            The U.S. government is now seeking to pass a $700 billion financial package that would bail out financial institutions in peril, but if passed, that does not mean that the housing crisis is going to fix itself over time. Though low-mortgage rates exist now, rates continue to fluctuate and can by no means be considered "stable." As long as investors continue purchasing bonds, investors will be less reluctant to keep interest rates down.

            As long as you, or anyone else wishing to apply for mortgages has a good credit history and a record of paying on time, then the eligibility to obtain loans will be more likely. Due to the current economic crisis though, banks will be much more careful in handing out loans. Obtaining credit will require a much more careful examination of records which in turn will affect the housing industry despite the low-mortgage rates being offered. People affected may include younger individuals wishing to purchase property or those in general who have never bought a home before. In the end, the better credit report, the more favorable rates for your home will be given.

            Low mortgage rates are not only an American issue though. They are seen overseas in places such as England where approval rates are increasingly more difficult to obtain as banks there have seen the crisis in the United States and are now more cautious in how they themselves handle their housing market which has also been seen in the world's second largest economy, Japan.

            Despite the rates maintaining themselves relatively low, some prefer to wait for rates to dip even lower as is the case in Hawaii where even though mortgage and interest rates are low now, the fluctuation in rates cause people to believe that better rates are yet to come . These cases are not only seen in Hawaii though, but throughout the rest of the country as well.

            Wherever home buyers may be, the outlook for mortgage rates remains uncertain because of the changing regulations banks are now going through as a result of the problems the home markets have gone through as well as the rise in foreclosures people are now seeing in their own communities. It is ultimately up to the buyer along with the sound advice of their banker that a decision on buying a home should be taken. Only then should a choice be made because the long-term consequences may not only be damaging to the individual, but as seen by today's current crisis, everyone else who may own a home as well.

AR, here are some cool links for those who would like to get their websites listed on the major search engines as well as get submitted to directories the major directories.. Enjoy!

The Search Engine Marketing Kit by SitePoint
http://www.sitepoint.com/books/sem1/

Search Engine Submission Pages:
http://www.google.com/addurl.html (for Google, Yahoo, and AOL)
http://www.altavista.com/addurl (for AltaVista)
http://www.alltheweb.com/add_url.php (for Lycos/Fast)
http://www.wisenut.com/submitsite.html (for WiseNut, LookSmart (assumed eventually) page taken down 24/6/2002)
http://submit.search.yahoo.com/free/request (Yahoo Search/Inktomi)
http://ask.ineedhits.com/ (AskJeeves, Teoma)

Directory Submission Pages:
http://dmoz.org/add.html (for DMOZ, Google, AOL, Others)
http://docs.yahoo.com/info/suggest/ (for Yahoo Directory)
http://listings.looksmart.com/?synd=none&chan=lshomeft (For MSN, LookSmart, Altavista)
http://www.zeal.com (Free way into LookSmart for non-commercial sites)
http://www.goguides.org
http://www.joeant.com/
http://vlib.org/ (mostly educational sites)
http://www.wannalearn.com/ (educational sites)
http://libraryspot.com (primarily reference sites)

To find small specialty directories try looking through http://www.isedb.com/

Other Resources:

Search Engine Features:
http://www.searchenginewatch.com/web.../features.html (who uses meta tags, who uses link popularity, etc)

Other Stuff:
http://www-db.stanford.edu/~backrub/google.html (Thesis that started Google)
http://www.sys-con.com/coldfusion/source.cfm?id=388 (Search engine friendly URLs with ColdFusion)
http://www.promotionbase.com/article/485 (Search engine friendly URLs with PHP)
http://www.searchenginewatch.com/web...iderchart.htmlSearch Engine Spider Identification

It’s not a difficult concept to grasp that not all websites are the same. If you visit enough of them, you can clearly see that some websites appear to be superior to others. That could be because of the design of the website, the information on the site, or some other reason. The bottom line is, you know when a find a “decent” website and when you find a sub-par site. Unfortunately, it isn’t as simple when it comes to spotting the “perfect” website hosting service.

Contrary to what you may believe, not all website hosting services are equal. There are actually website hosting services that are quantifiably better than others. Here’s a look at some of the factors to compare when choosing a web host:

- Web Space (a.k.a. Disk Space)

This is the amount of room, usually measured in megabytes (MB), you’re given to “hold” all of the content related to the inner workings of your website. Informational websites with few pictures typically require less than 1MB of disk space. Websites with video, music, databases and other dynamic elements will require much larger amounts of space.

- Data Transfer

As the name suggests, data transfer is how much information can be accessed from your website; it’s a sort of “downloading allowance.” Data transfer is measured in gigabytes (GB) but sometimes the amounts are provided in MB. (1 GB = 1,000 MB). Unlike web space, the amount of data transfer that you’ll require is not dependent on how much content you have on your website but the number of people who are accessing the information on your site. As your website traffic increases, so will your data transfer requirements.

- Website Building Tools Compatibility PHP.

JavaScript. HTML. XHTML. MySQL. Dreamweaver. Frontpage. There are a variety of web scripting languages, database and web creation programs out there…and those are just some of them! It won’t do you any good to purchase web hosting from a provider that does not support the type of files with which your website is built. Check for compatibility before buying!

- Customer Service & Technical Support It’s a fact:

Customers freak out when they cannot access their website or the site is not functioning properly. Therefore, it’s always calming to have a web host that can be reached when you need them; the amount of accessibility that you prefer is up to you. The key here is that the web host is accessible and responsive.

- Cost

Bargain shopping is not exclusive to clothes and cars. If you can find a web host that provides everything that another is offering for half the price —from web space and data transfer allotments to customer service and tool compatibility—then by all means, go ahead and save yourself a couple bucks!

Now that you know some things to look for when narrowing down your potential website hosting providers, here’s the golden rule for determining whether a web host could ultimately be the choice for you. Are you ready? Okay. Here goes…

If the web hosting service provides enough capacity for your website to operate as you need it to, it’s a right hosting choice; If it doesn’t, it’s not.

Mind-boggling, isn’t it? Well, while that is the primary determination of whether a hosting service is “the right choice,” here’s the factor that determines whether a “right choice” is a “good choice”…Good web hosts, a.k.a. reputable hosting services, do not oversell.

Have you heard of overselling before? Probably so…just not in terms of website hosting. Well, for those of you who don’t know, overselling is the website hosting equivalent of airlines that overbook flights. You know the scenario: When a plane is overbooked, people get booted off the flight until another comes along with more space. The same thing has the potential to happen when a hosting provider oversells web hosting accounts. Websites hosted on the provider’s server may or may not be able to utilize the full capacity they’re supposed to have. If not, select website functions may not function properly; Worse case scenario: Websites could go completely offline until the web traffic on the host’s server decreases and there’s enough “space” for all of the host’s clients’ websites.

In the end, you will find that there are a number of affordable website hosting services to choose from. Some of them will quickly stand out as wrong choices for you—because of inadequate disk space or data transfer allowances—and others simply because of price or customer service accessibility. Just remember that, when you need a tiebreaker to determine which hosting service is going to win your business, the winner will be the one that guarantees that they do not oversell. Find that web host and you’ll have found your perfect fit.

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Today, there's lots of talk to those in their twenties and thirties about putting money aside for retirement. It's good advice but the men and women retiring today weren't given that same advice 35 years ago. So, in order to supplement their retirement, many retirees are looking to their most valuable asset to help them get by: their home.

In order to access the equity in their homes, some retirees opt to tap into the equity in their home through a traditional refinance loan. However, others are finding that reverse mortgages are a more appealing option. The primary reason: Homeowners who choose to go with a reverse mortgage do not make loan payments. Instead, the lender pays a lump sum or makes monthly payments to the retiree! It may sound fantastical but that's the reality of a reverse mortgage.

Despite the fact that reverse mortgage loans do not feel like traditional loans initially, rest assured that, in the end, reverse mortgages are still loans. Reverse mortgages must be repaid and interest does accrue on the loan payments made to retirees. For instance, if a lender ends up paying the retiree $1000 per month for 10 years at 6% interest rate, the retiree will owe the lender the principal and the interest on all loan payments during those 10 years. Typically, the lender is "repaid" when one of two things occurs: (1) the homeowner sells the property or (2) the homeowner dies.

In the United States and Canada, reverse mortgages can only be made on a home that is a principal residence. Additionally, reverse mortgage loans are only available for those 62 years or older. Reverse mortgages can be a great option but, as with any mortgage loan, speak with a mortgage professional to determine whether a reverse mortgage loan is the best option for you.

Most people know that when they become homeowners, they'll need to have homeowner's insurance. What they don't realize is that they may also be required to pay private mortgage insurance (PMI) too. The difference between the two: who gets protected.

Homeowner's insurance protects you if something happens to your home. Private mortgage insurance protects the lender if you are unable to make mortgage loan payments; It's an extra expense that can drive up monthly mortgage payments but the good news is that not all mortgage loans require private mortgage insurance. Most often, lenders will only require private mortgage insurance when a down payment of less than 20% of the purchase price is made. Certain lenders may also require PMI for buyers with less than desirable credit.

Very few people today have tens of thousands of dollars in the bank to dole out for a home loan down payment so mandatory PMI is common. If you're told that you'll need to pay PMI, be sure to get a mortgage payment quote from your lender that includes the PMI...as well as property taxes...so that can confirm that the home and the loan fits your budget.

Though having to pay private mortgage insurance may be an unpleasant surprise, there is good news: You won't have to pay PMI for the life of the mortgage loan! Under current regulations, PMI is no longer required once you've paid 22% of the home loan off. You can also request that the private mortgage insurance requirement be rescinded once the property has appreciated by 20% or more.

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